Industries · Trucking and transportation

Insurance for refrigerated carriers.

Primary liability, cargo with reefer breakdown coverage, and physical damage on the tractor and trailer, for carriers hauling produce, meat, dairy, and frozen freight.

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What reefer carriers usually carry

Primary auto liability, $1M
Motor truck cargo
Reefer breakdown
Physical damage, tractor and reefer trailer
Trailer interchange
General liability

Watch for these in a reefer policy

Reefer breakdown is separateA basic cargo policy usually does not pay for spoilage when the unit quits. Reefer breakdown coverage adds it, often with its own, higher deductible.
Unit age and upkeepMany policies limit breakdown coverage to units under a set age or require maintenance records. An old unit with no service history can leave the load uncovered.
The temperature downloadA spoilage claim usually turns on the unit’s download. Keep pre-cool, setpoint, and continuous-run records for every load.
Rejected loadsA receiver can refuse a whole load over one bad reading. Ask whether your policy pays for a rejected load or only for spoilage you can prove.
Listed commoditiesMeat, seafood, and pharmaceuticals are often limited, excluded, or given a higher deductible. Match the commodity list to what you haul.

What food shippers and brokers ask reefer carriers for

Reefer breakdown on the certificateFood shippers often want it shown by name, not assumed inside cargo.
Cargo, $100,000 to $250,000Higher for meat, seafood, and other high-value loads.
Temperature and cleaning recordsFederal food transport rules put duties on carriers, so many shippers ask for your procedures in writing.

Questions reefer carriers ask

Straight answers.

The questions we hear most, answered plainly.

Is spoilage covered if my reefer unit breaks down?

Only with reefer breakdown coverage, and only if the unit was maintained and running as set. A unit turned off or set wrong by the driver is a different claim, and often excluded.