Reefer Truck Insurance

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What is Reefer Truck Insurance

Refrigerated trucks are a large capital investment for any company. These trucks generate great returns however, since they enable your company to offer chilled goods and cargo regularly, over vast distances. Refrigerated trucks may be used by meat packing plants, retail food warehouses and even catering companies or bakeries in smaller forms.

Given the perishable nature of the commodities being transported and the specialized refrigeration equipment required in trucks to avoid food deterioration, companies that specialize in refrigerated products transportation have specific hurdles in obtaining insurance coverage. In addition to perishable commodities, Reefer Truck Insurance coverage also includes dairy products, fish and other perishable items. An essential part of a complete reefer truck insurance policy is full coverage of refrigerated cargo since this is one of the few cargo classes that might possibly deteriorate during transit. Specialty refrigerated trailer insurance may be required by companies that specialize in the transportation of chilled products.

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Get a personalized Reefer truck insurance quote

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. 

Common Reefer truck insurance questions

A reefer truck insurance premium is determined by a variety of variables. This includes, to mention a few, the kind of vehicle, the storage location, the radius, the age of the driver, the driving record, the value of the truck, and the dot history. Contacting an agent is the simplest approach to find out how much insurance could cost. Even if you don't have a work lined up, a skilled truck insurance agent should be able to offer you a ballpark figure.

Reefer truck insurance falls under the category of commercial auto insurance. To be deemed lawful, most jurisdictions need a minimum auto liability coverage of $750,000. Other coverages are available, and your broker may be compelled to provide them. Truckers general liability, physical damage coverage on a non-owned trailer, and motor truck cargo coverage are examples of such coverage.

The major reason reefer truck insurance might be costly is the possible harm that a standard semi truck can do. Consider this: the typical automobile weighs between 2,000 and 4,000 pounds, but a commercial vehicle, such as a semi truck, may weigh up to 40,000 pounds.  To summarize, all states require trucking companies to have a minimum vehicle liability insurance of $750,000 in case the worst case scenario occurs.

Commercial Truck Insurance California

Recommended coverages reefer truck insurance

We can customize a reefer truck insurance plan to meet your specific requirements, from liability just to start you on the road to complete coverage.

Other common trucking operations

We can tailor a reefer truck insurance plan to your individual needs, from liability just to get you on the road to full coverage.

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States we can offer reefer truck insurance

We can assist you in putting up an economical reefer truck insurance plan. We write commercial auto insurance in the states listed below.

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