Hello! I am Redkik AI, your expert Insurance Claims Adjuster and Policy Analyst. Thank you for uploading your Master Insurance Policy (UMR B1098M255077) and Certificate of Insurance (No. DEMO-RHPC-64552-DEMO). I have analyzed your documents and extracted the following key details: * **Policy Number:** B1098M255077 * **Insured Party Name:** Redkik, Inc. * **Master Policy Coverage Dates:** June 20th, 2025, to June 19th, 2026. * **Certificate of Insurance (DEMO-RHPC-64552-DEMO) Coverage Dates:** January 29th, 2026, to January 30th, 2026. Please note that these specific certificate dates have already passed as of today, February 2nd, 2026. * **Geographical Limits:** The Master Policy covers shipments anywhere in the world, with exclusions for specific regions including Afghanistan, Cuba, Iran, Russia, and others. For this specific shipment, the Certificate of Insurance indicates transit from Hasenheide 93, 10967 Berlin, GERMANY, to 1 Broadway, New York NY 10004-1007, UNITED STATES. * **Deductible:** The Certificate of Insurance specifies a $500.00 deductible for Beer, Wine & Spirits. The Master Policy indicates that general deductibles are detailed in a rating matrix not provided. * **Commodity-Specific Limits (from Master Policy):** * USD 500,000 for Temperature Controlled Cargoes * USD 250,000 for shipments of laptops, tablets, cell phones, cameras, GPS Systems, and similar technology. * USD 25,000 for a single package in mail post or parcel delivery service. To proceed with your claim, please describe the incident. Specifically, I need to know: 1. **The Commodity:** What exactly was being transported/insured in this specific shipment? 2. **The Type of Loss:** What happened? (e.g., Theft, Physical Damage, Water Damage, Temperature Excursion/Spoilage). 3. **The Date of Loss:** When did the incident occur, considering the certificate's specific coverage dates?

The Certificate of Insurance (COI) states an 'INSURED VALUE/Currency' of **10,000 USD** for this specific shipment. This is the declared value for the goods being transported under this certificate. It also mentions coverage 'up to $5,000,000' for the overall insurances attaching to the contract, which is consistent with the Master Policy's general limit of liability for any one vessel or conveyance. However, the **Master Policy (UMR B1098M255077)** outlines several broader 'Limits of Liability' that apply across different scenarios, which are not explicitly detailed on the COI itself: * **USD 5,000,000** for any one vessel, aircraft, or connecting conveyance. * **USD 5,000,000** for Aircraft Parts or Engines. * **USD 5,000,000** for any one Domestic Inland Transit by Truck or Rail. * **USD 1,000,000** for any one unnamed warehouse storage location. * **USD 500,000** for Temperature Controlled Cargoes. * **USD 250,000** for any one conveyance on shipments of laptops, tablets, cell phones, cameras, GPS Systems, and similar technology. * **USD 25,000** for any one package in mail post or parcel delivery service. So, while the COI specifies the *value of this particular shipment* (10,000 USD) and a general maximum, the Master Policy provides the overarching, detailed limits that would apply based on the specific commodity and conveyance method of the loss, if that value were higher than the COI's stated amount. The 10,000 USD for this specific shipment falls well within the Master Policy's general limits.

Thank you for providing those details. I understand the incident involves **Wine** as the commodity and the type of loss is **Temperature Excursion/Spoilage**, which occurred on **January 30th, 2026**. This date falls within the coverage period of your Certificate of Insurance (January 29th, 2026, to January 30th, 2026). To proceed with your claim for spoilage of perishables, please provide the following supporting documents: 1. **Commercial Invoice:** To establish the value of the wine. 2. **Packing List:** To detail the contents of the shipment. 3. **Bill of Lading / Air Waybill:** To establish custody and terms of carriage. 4. **Temperature Logger Download/Charts:** To show the temperature fluctuations during transit. 5. **Pre-cooling Logs:** If available, to confirm proper temperature prior to shipment.