Liberty Commercial Premises insurance (Castellano)
B.2. Deterioration of goods in refrigerating appliances
Any damages or losses are guaranteed if they are a result of the deterioration or decay of goods stored in cold stores, refrigerators and / or freezers installed in the insured premises caused by the following:
- Breakdown of the cold store or refrigerating appliance or any of its components.
- Increase or decrease in the temperature as a result of a breakdown in the cold store or refrigerating appliance or an inherent fault.
- Accidental leak of coolant liquids or gases.
- Faults in the electricity supply lasting over 6 hours.
- Stoppage of the cold store or refrigerating appliance due to any risk covered by the insurance policy.
A deductible of 10% per loss shall be applied to the indemnity amount with a minimum of euros 100.
THE FOLLOWING IS NOT COVERED:
a. Damages or deterioration as a result of the faulty or inadequate packaging or storage of stock.
b. Inherent faults or the natural decay of the stock.
c. Damages sustained because the stock was not in perfect condition when it entered the cold store, refrigerating appliance or freezer.
d. Loss of weight.
e. Damages as a result of relays, thermometers and thermostats breaking down.
f. Damages sustained by stock while the establishment was closed for more than 96 hours.
g. Damages as a result of any loss insured by the basic covers A.1. and A.2. regarding damages to building and contents, set forth in these general conditions and by the optional cover B.3., regarding theft with violence and theft with intimidation.
h. Damages due to lack of maintenance or the obsolescence or natural wear and tear of machinery.
B.3. Theft with violence and theft with intimidation
4. Risks excluded from all guarantees