• Deterioration of Stock (DOS) Insurance

    • Cover against damage to goods in cold storage
    • Perfect for owners, tenants, manufacturers, etc.
    • Complementary to existing Machinery Insurance


Product Overview

We understand the degree of risk involved in storing high-risk goods in cold storage for long periods of time. 

Damages to the machinery in these cold storage facilities can lead to serious financial losses, since in most such cases, it is a near-total loss of stock.

This is where our Deterioration of Stock (DOS) insurance can help out. We've designed it to protect you and your organisation against the deterioration of goods in cold storage due to a breakdown of the refrigerating machinery. 

The policy can be really helpful for everyone from owners and tenants of cold-storage houses to those involved food preservation, meat and fish processing, agricultural manufacturing, and chemical and pharmaceutical industries.

There are two different types of cold storages, namely cold storage under freezing conditions and cold storage under cooling conditions. These are further divided into different types. You can learn more about them and how we protect each type through our documentation or by reaching out to us.

Note: Deterioration of Stock Insurance is a complementary cover to Machinery Insurance and can only be taken out in connection with the latter.

What's Covered

You are covered for any kind of deterioration of stock that results from the following causes:


You can extend the Deterioration of Stock (D.O.S.) cover to include "deterioration due to the failure of the public power supply", provided the situation regarding public and back-up power supplies is found to be satisfactory.

How to Get Insured

  • Apply by Phone

    Call us at 800 SUKOON (785666) for more information and to enrol over the phone.

  • Apply by Email

    Drop us an email with all your details and we'll get back to you soon.
  • Apply in Person

    Walk into one of our branches to get information, apply, and enrol in person.
Request a call back from one of our insurance experts.

Product Resources

  • No, any loss or damage to items that are immediately affected by the above are not covered. However, your insurance can be extended to cover any loss or damage to the correctly executed items resulting from an accident that happened because of faulty design, defective material or workmanship.
  • No, it's not. It totally depends on you. But we would say that it is advisable.
  • So, this is how it goes. You will need to estimate the maximum value of the stock that you may be holding at a particular point of time during the policy. This will be considered as the sum insured and the premium rate is charged based on this amount. 

    At the beginning of each month, you will need to declare the highest value of the stock that you were holding during the previous month. The same will be considered as the declaration for that month. At the end of the policy period, the premium is adjusted based on the average monthly declarations provided by the insured.
  • To be honest, we don't usually insure plastic factories. However, you can reach out to us and we can come to a decision based on your case.
  • Actual & Constructive Total Loss.

See more FAQs

What our customers think

  • I love how easy it is to claim reimbursements. The requirements are easy and I received the cash in my account within 10 days.


  • So far, I have been very happy with the cover. It is speedy and I particularly appreciate the SMS messages to give ongoing updates about the process.


  • Claims are much faster and easier. Just with online documentation, the claim was sorted out. Not even a single call was needed to get the money.


  • On my accident claim, I got immediate feedback and action from Sukoon and the customer service executive helped me sort out the issue quickly. Thank you for your support and


  • Sukoon was very easy to communicate with; they took care of my car issues and renewed my insurance. The process was very easy and the staff was very polite and helpful.


  • Prompt response, complete service, and ease of communication and resolving insurance-related issues. Definitely, I recommended you to my friends already.


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