Insurance for refrigerated trucking.
Hauling refrigerated freight adds a coverage most cargo policies limit or exclude: reefer breakdown. A spoiled load can be a total loss, so the cargo coverage has to be built for temperature-controlled freight.
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The reefer breakdown gap
This is the key issue. A standard motor truck cargo policy often excludes or limits spoilage from a refrigeration breakdown, exactly the loss a reefer operator fears most. Reefer breakdown coverage addresses it, but the terms, maintenance requirements, and limits matter, so the cargo coverage has to be read carefully.
Cargo, food, and limits
Refrigerated loads, often food and beverage, carry high values and contamination exposure, so the cargo limit and terms have to match the freight. We line the coverage up with what you haul and the contracts your shippers require.
The rest of the program
Beyond cargo, reefer operations need primary liability, physical damage on the tractor and reefer unit, and the filings that apply under authority. We build the whole program around temperature-controlled freight.
Common questions.
What insurance does reefer trucking need?
Does cargo insurance cover spoiled refrigerated loads?
What affects reefer breakdown coverage?
Does your coverage match how you run?
Tell us your operation, authority, radius, and cargo and we will check your liability, cargo, physical damage, and filings against how you actually operate. Educational, no obligation.
Coverage built for refrigerated freight.
Tell us what you haul and we will make sure reefer breakdown and cargo are covered.