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Refrigerated Truck (Reefer) Insurance

Insurance for refrigerated trucks hauling perishable food, pharmaceuticals, and temperature-controlled freight.

See Refrigerated Truck (Reefer) Insurance Cost →

What It Covers

Liability coverage for reefer operations
Refrigeration breakdown / mechanical failure coverage
Spoilage coverage for temperature-sensitive cargo
Physical damage for tractor and reefer trailer unit
Reefer unit mechanical breakdown insurance
Cargo insurance with temperature endorsement

Who Needs This Coverage

Carriers hauling perishable goods, frozen foods, produce, dairy, meat, pharmaceuticals, and any temperature-sensitive freight. Reefer operations face unique risks from equipment failure and spoilage that standard cargo policies do not cover.

Avg Fleet Size

1-40 trucks

Common Cargo

Produce, frozen foods, dairy, meat, pharmaceuticals

Typical Coverage Package

Primary Liability ($750K-$1M)
Physical Damage (Comprehensive + Collision)
Motor Cargo with Reefer Breakdown
Spoilage Coverage
Non-Trucking Liability
Reefer Unit Mechanical Breakdown

Frequently Asked Questions

Standard cargo policies usually exclude spoilage from mechanical breakdown. You need a specific reefer breakdown or spoilage endorsement. We make sure every reefer policy includes this critical coverage.

Reefer operations typically pay 10-20% more than dry van due to the spoilage risk and higher cargo values. Expect $10,000-$18,000 per year for an owner-operator depending on commodities hauled.

Keep temperature logs, pre-trip reefer unit inspections, and bill of lading temperature requirements. These documents are critical if you need to file a cargo claim for spoilage.

Reviewed by

Nazar Mamaev

President, Full Coverage LLC

TRIP, CDS, TRS Certified · Licensed in 47 States

Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.

Indianapolis, IN·317-427-5599·Get a Quote

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