Medical, Pharma & Controlled Goods
Frozen & Controlled Temperature Cargo Insurance
Specialised cover for {label} shipments — built for the real risks of your trade lane.
Frozen food, fresh produce and temperature-sensitive cargo lose all value the moment the cold chain breaks. CIO insures reefer shipments with cover that addresses temperature deviation, mechanical failure and rejection at destination.
What's covered
Temperature deviation cover
Cover for spoilage caused by reefer breakdown or power failure.
Rejection cover
Optional cover for cargo rejected by authorities on arrival due to cold-chain issues.
Data-logger requirements
Cover available when shipments are monitored by approved temperature loggers.
Risks we protect against
- Refrigeration machinery breakdown (over 24h)
- Spoilage and deterioration
- Theft, pilferage and non-delivery
- Accidental damage in transit
- Loading and unloading mishaps
- Weather, water and contamination damage
- Fire, explosion and collision
- General Average and salvage charges
Why insure with CIO
- Instant online quote in under 2 minutes
- A+ rated global insurers backing every policy
- All-risk cover on ICC (A) wording where available
- Door-to-door protection across air, sea, road and rail
- Digital certificates issued in real time
- Dedicated claims support — paid in days, not months
Insure your {label} shipment today
Get a tailored quote in minutes — no paperwork, no waiting, full digital certificate on confirmation.