Deterioration of stock

Deterioration of stock (DOS) insurance

What is deterioration of stock insurance?

This insurance will cover you against deterioration of goods placed in cold storage due to a breakdown of refrigerating machinery

What does deterioration of stock insurance cover?

It is a follow up cover to machinery breakdown insurance and may cover all goods suitable for storage in cold storage houses like fruits, vegetables, fresh meat, dairy products and many more.

What’s covered

  • Loss or damage to stock due;
  • Rise or fall in temperature
  • Unforeseen and sudden escape of refrigerants into the cold storage rooms
  • Incorrect composition of storage atmosphere directly resulting from any material damage

What’s not covered

  • Damage caused to stocks by the following perils are not covered under the DOS policy. This is because the risks are coverable under other policies.
  • War, Invasion, hostilities, civil war, rebellion, revolution etc.
  • 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 equipment.
  • Overloading of the Refrigeration Plant and Equipment beyond its maximum rated capacity.
  • Improper storage, insufficient circulation of air/non-uniformity of temperature for whatsoever reasons.
  • 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
  • Wilful act of wilful negligence
  • Fire
  • Lightning
  • Explosion
  • Natural hazards
  • Burglary
  • Transport Risks

What’s optional

  • Political Violence and Terrorism: Cover against political violence and terrorism

Goldstar claim process

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Claim process

How to make a claim

We have a number of options to help you make a 
claim quickly and effectively. Contact our dedicated claims team for advice on
an incident/claim.
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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance
Company in Uganda (2015) and has over
 the years consistently maintained a Global A+ Credit Rating
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How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?


  • Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
  • Always keep valuables safely and locked out of site to protect against the risk of theft