Refrigeration damage includes all damage or loss of items in a refrigerated display case, refrigerator, freezer, or small cold storage room.
"}},{"componentType":"sectionTitle","title":"What is and isn't insured with the additional coverage for refrigeration damage?"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"This is insured","usps":[{"body":"Damage due to loss, spoilage, or devaluation of refrigerated products caused by damage to the refrigeration installation","iconType":"check-mark"},{"body":"Damage due to loss, spoilage, or devaluation of refrigerated products after a power outage caused by fire","iconType":"check-mark"},{"body":"Costs incurred to reduce or prevent imminent damage","iconType":"check-mark"}]},{"title":"This is not insured","usps":[{"body":"Damage due to poor maintenance of the refrigeration installation","iconType":"cross"},{"body":"Damage due to wear, corrosion, and other gradual deterioration","iconType":"cross"},{"body":"Damage due to lack of fuel or capacity of the refrigeration installation","iconType":"cross"}]}],"title":"This is insured,This is not insured"},{"componentType":"sectionTitle","title":"How do you take out the additional coverage refrigeration damage?"},{"componentType":"paragraph","richBody":{"value":"You insure refrigeration damage as an additional coverage with your ING Company inventory and goods insurance via ING. You cannot take out refrigeration damage coverage separately. Do you already have inventory and goods insurance but no additional refrigeration damage coverage? You can easily change this in your app or My ING Business. Also, take a look at the additional coverages for business interruption and tenant interest.
"}},{"componentType":"cta","microCopy":"You can calculate your premium in My ING Business","textLink":{"url":"/en/business/insurance/ing-company-inventory-and-goods-insurance","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"You take out this insurance via ING with Allianz Benelux. You can apply, change your coverage, or make a claim in My ING Business or the Mobile Banking App. Allianz Benelux is the risk carrier of this insurance, meaning they will collect your premium and handle any damage payments.
More about our partnership with Allianz Direct
"}},{"componentType":"sectionTitle","title":"FAQ – Refrigeration damage coverage"},{"componentType":"accordion","accordionList":[{"title":"What does refrigeration damage coverage cost?","richBody":{"value":"The premium for the additional coverage for refrigeration damage depends on several factors, such as the value of your refrigerated inventory and the risks your business faces. Easily calculate your premium using the button below and request a quote directly.
"}},{"title":"Why do I need refrigeration damage coverage?","richBody":{"value":"In case of sudden failure of your cooling system, for example, due to a sudden breakdown or an unexpected power outage, your refrigerated stock can spoil quickly. Refrigeration damage coverage ensures that you are insured against the financial consequences of such damage, so you can quickly resume your business operations.
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