Food spoilage coverage assists in reimbursing the cost of your lost food and beverages, up to your coverage limits. This coverage helps protect your business against certain risks, which may include:

Prolonged power outage.
Power outages can disrupt refrigeration or freezer units if you don't have a backup generator. This can potentially expose perishable stock to unsafe temperatures and humidity levels.
Equipment breakdown or failure.
Whether it's a malfunctioning walk-in freezer or equipment failure, , food spoilage coverage steps in to help pay to replace spoiled or contaminated food. Please note, that your policy may require you to have equipment service contracts in place that include regular maintenance and repair schedules.
Mechanical breakdown coverage
Food spoilage coverage might also be helpful during an equipment breakdown, according to the Insurance Information Institute. This coverage may help aid in reimbursing you for repairs or replacement costs for food-storage-related equipment, such as refrigeration systems, piping and mechanical and electrical machines.

Before filing a food spoilage claim, it's essential to understand the deductible amount you'll need to pay before receiving reimbursement. Refer to your policy or consult with your agent for clarity.