Insurance & claims

2 active policies · USD 14.8M aggregate cover · 3 claims YTD (1 paid, 2 open)

Active policies

Stored goods · all zones · halal-grade

● Active

POL-RHDC-2026-018 · AIA General · MY-CC-2026-04421 · 01 Jan 2026 → 31 Dec 2026

USD 12,400,000 aggregate · USD 200,000 per pallet

Includes spoilage, theft, fire, water damage. Halal contamination not covered (separate rider).

Halal contamination rider

● Active

POL-RHDC-2026-019 · Takaful Ikhlas · TI-HC-2026-01292 · 01 Jan 2026 → 31 Dec 2026

USD 2,400,000 aggregate · USD 50,000 per incident

Triggered by JAKIM finding · pays remediation costs and replacement value.

Claim	Scope	Amount	Carrier	Detail	Status
CLM-2026-00184	Almond milk · 4 cartons · transport damage	USD 88.00 claimed	Maersk Line cargo insurance	Inbound IN-2026-00858 · QC photo evidence attached · awaiting carrier review.	◐ Open
CLM-2026-00179	Frozen chicken wings · 18 boxes · zone A chiller fault	USD 1,420 claimed	AIA General · POL-RHDC-2026-018	Investigation ongoing · refrigeration logs being pulled · adjuster visit scheduled 26 Apr.	◐ Open
CLM-2026-00172	Saffron · 1 box · transport damage	USD 380 settled	Maersk Line cargo insurance	Settled 22 Apr. Funds remitted to Kashmir Valley Traders less USD 28 deductible.	✓ Paid