As we approach the end of the year, we thought we'd take a look back at some of the subscriber questions that came in and pick out our favorites. We always enjoy animal questions, and this year brought us some new animal-related questions that we hadn't had before:

Bull semen QUESTION 1

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 insureds 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?