Deterioration of Stock Insurance (DOS)

Deterioration of Stock is special insurance for the protection of perishable goods stored in warehouse-type cold stores or controlled environment rooms. The policy is not intended for goods stored in retail shops/stores.


Cover is for perishable goods (e.g. meat, fish, vegetables, and fruit) stored in cold stores which suffer damage as a consequence of an insured machinery breakdown accident. Such damage occurs as a result of rise or fall in temperature, a change in the concentration of gases or the action of refrigeration media escaping from the equipment in cold stores, due to a breakdown of the refrigeration system or by the loss of coolant.

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BEE Rating

The RMB Structured Insurance Group is majority owned by RMB Holdings. The Group's BEE shareholder is New Seasons Financial Services (Proprietary) Limited. New Seasons Financial Services (Proprietary) Limited holds a direct 15% investment in RMB-SI Investments (Proprietary) Limited.