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? (Credit: DFoidl/Wikimedia) 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? (Credit: DFoidl/Wikimedia)

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 declaration. (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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