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.

A loss occurs involving the refrigeration unit in the basement of the described premises. The refrigeration unit that malfunctioned or broke-down was a unit that stored bull semen. The refrigeration units holding meat, in another part of the insured location continued to work and function properly. The insured uses the semen in his farming operation, to produce calves, which end up making up the meat he sells from his storefront. Can the CP 04 40 be used to provide coverage for this loss in semen?

The semen is not listed as perishable stock. At first glance, it would seem that there is no coverage, or at least, there is not an intent to provide coverage. However, when reading the CP 04 40, I wonder if coverage could be extended.