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Insurance Coverage Q&A: Bull Semen as Perishable Stock

Questions coverage for bull semen as perishable stock on the spoilage endorsement if not shown in the Schedule.

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We have a commercial policy written under a CP 00 10 04 02 Building Form; with a CP 10 30 04 02, Cause of Loss form; and a CP 04 40 06 95 Spoilage Coverage Endorsement added to it. The insured sells meat they raise on their farm from the location indicated on the decs. (The business and home address are the same). The meat is processed elsewhere. The Decs identify “meat” as the Description of Perishable Stock within the CP 04 40 endorsement.

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