Reefer Truck Insurance

If you’re a trucking company that specializes in transporting perishable products, Coast Transport has the knowledge and expertise to help you through the particular insurance problems you face. Commercial truck insurance rates are among the most competitive in the market since we have access some of the top insurance carriers.

There are typically large coverage gaps in refrigerated goods transit insurance plans that exclude or restrict coverage for “high-risk” commodities (seafood, for example). In order to have a complete reefer truck insurance policy, the following coverages should be included: cargo and physical damage.

Reefer Breakdown – Coverage is provided for cargo loss due to a temperature control system failure or malfunction.

Loading & Unloading – provides coverage for the commodity while it is being loaded or unloaded.

Debris Removal – provides coverage for reasonable and necessary costs to remove debris caused by and resulting from a covered loss.

Broadened Pollution – provides coverage for the discharge of pollutants which are in, upon, owned, being transported by, loaded or unloaded from a covered auto.

Earned Freight – replaces income lost when a load cannot be delivered due to a covered cargo loss.

Sue and Labor – covers costs related to preventing further loss to damaged cargo. Also known as loss mitigation.

Collision and Comprehensive – to protect your tractor, trailer and the refrigerated unit for collision, fire, theft, vandalism and other causes of loss.

Towing and Storage – provides coverage for expenses related to towing and storage of a damaged equipment.

Combined Deductibles – In the case of a loss involving both physical damage and cargo, this coverage lets you to pay a single deductible. Covers the reasonable and necessary costs of clearing debris caused by and resulting from a covered loss.