Munich Re Risk Solutions Ireland

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Deterioration of Stock Insurance
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Deterioration of Stock Insurance

Comprehensive cover for temperature-controlled goods risks

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    We understand the risks your clients face, and we know how to help

    Our team of underwriters work closely with insurance brokers to offer robust deterioration of stock insurance solutions which are tailored to suit policyholders’ specific requirements.


    We can provide coverage for the deterioration of temperature-controlled stock, as a result of equipment breakdown, accidental damage, refrigerant contamination or failure of utilities.

    Wide ranging appetite for Irish and European domiciled companies of all sizes from small/micro to large/corporate, involved in the storage of their own or third party owned temperature sensitive commodities.

    • Stock in own locations and third party locations
    • Wide variety of temperature controlled commodities considered
    • Single location excess of EUR 10,000,000
    • Retail locations including Cash and Carry’s
    • Non-permanent cold stores and vehicles in isolation
    • Refrigeration equipment that is excess of 15 years old
    • Businesses with no contingency plans in place for failures or power outages
    • Businesses with no maintenance and servicing regimes
    • Businesses with no temperature logging
    • Stock that is being processed

    Why work with us?

    Accessible expertise
    Our team of underwriters and claims personnel are accessible directly, ready to support you and your clients' needs with our specialist expertise.
    Strength in service delivery
    The service which we deliver to brokers and policyholders alike is something which we pride ourselves on, and brokers rely on.
    A Munich Re company
    We're part of Munich Re Specialty Group Limited, which means we're supported by the financial strength and stability of Munich Re.

    Get in touch with us

    Insurance brokers looking for more information about our deterioration of stock insurance solution for their clients can contact our team.

    Making a claim

    If you are looking to make a claim, you should contact us as soon as possible. Details on how to make deterioration of stock insurance claims can be found on our claims homepage.

    The information provided in this content is intended for Irish insurance brokers acting on behalf of their prospective or existing clients.

    Any description is for general information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product. Policyholders who have questions or wish to arrange or amend cover should contact their insurance broker. Insurance brokers can find details of how to contact us here.

    Any descriptions of coverage contained are meant to be general in nature and do not include nor are intended to include all of the actual terms, benefits, and limitations found in an insurance policy. The terms of any specific policy will instead govern that policy. Any guidance for Irish insurance brokers is intended to provide general information only, and should not be used as a substitute for legal advice.