Refrigerated Truck (Reefer) Insurance
Insurance for refrigerated trucks hauling perishable food, pharmaceuticals, and temperature-controlled freight.
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
Does reefer insurance cover spoiled cargo?
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.
How much more does reefer insurance cost?
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.
What records do I need to maintain for reefer claims?
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.
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