Deterioration of Stocks
(Potatoes)

DOS provide cover for loss or damage caused by deterioration or putrefaction or contamination of stock described in policy caused by accident causing a rise in temperature in the Refrigeration Chambers subject to other terms and conditions of Policy.

The policy does not cover any losses or damage due to

• Rise or fall in temperature caused by stoppage of any section or sections of the Refrigeration Plant for less than 24 hours following an accident to the Refrigeration Plant & Machinery specified in Policy and covered by concurrent Machinery Insurance policy.
• Rise or fall in temperature caused by failure of electric supply.
• Rise or fall in temperature due to stoppage of any section or sections of the Refrigeration Plant for repairs, maintenance, overhauling or for replacement of parts due to wear and tear of the plant and equipments or failure of any part/s requiring periodical renewal and operation of fuses and safety devices. However, this exception will not apply for repairs or replacement necessitated by operation of an Insured peril.
• Overloading of the Refrigeration Plant and Equipments beyond its maximum rated capacity.
• Improper storage, insufficient circulation of air/non-uniformity of temperature for whatsoever reasons.
• Packing materials
• Collapse of rack structure/storage platforms due to uneven loading or any other reasons.
• War, invasion, act of foreign enemy
• Nuclear reaction, nuclear radiation or radioactive contamination
• Willful act of willful negligence
• Fire, Lightning, Extinguishment of a fire or subsequent demolition, collapse of building, Flood, Inundation, Earthquake, Subsidence, Landslide, Rockslide, Storm, Tempest, Hurricane, Typhoon, Cyclone or other natural catastrophe.
• Consequential loss or damage or liability of any nature whatsoever.