Finance · Insurance
Spoilage Insurance
Cold-chain and perishable spoilage cover, underwritten using your inventory and temperature data. First restaurant platform to bundle insurance natively.
FoodOS exclusive
Active policy
Perishable spoilage cover
Up to ₹400K / claim
Annual premium ₹48,000 · paid in 12 EMIs
Underwriting basisFoodOS inventory + temp logs
CoverageCold-chain failure, power outage, transit spoilage
Deductible₹5,000
Claim filing1-tap from app · 24h payout
Recent claims
This year
Power outage 4h
Jan 14
₹32,000Paid
Chiller compressor
Mar 22
₹84,000Paid
Transit delay
Apr 02
₹18,000Paid
Freezer 2 anomaly
Apr 18
₹12,000Processing
Why insurers love this:traditional spoilage insurance is loss-making for insurers because they can't see actual cold-chain conditions. FoodOS's inventory + temperature data lets insurers price risk accurately and pay claims in 24h. Loss ratio: 64%, half the industry.