A Commercial Property Policy (if the food is on location) or Commercial Inland Marine policy (if the food is in transit or off-site) would cover a food spoilage claim.
However, having one of these policies in your insurance program does not guarantee reimbursement for any food spoilage claim. That’s why it’s essential to review the “Covered Causes of Loss” with your InsureGood Advisor to make sure your policy can cover all the reasons you might have a food spoilage loss as a power outage or freezer mechanical failure.