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Reefer Truck Insurance covers refrigerated commercial trucks that haul fruits, vegetables and other foods on a consistent basis. This type of insurance is particularly valuable to motor carriers or independent owner/operators because fresh produce is one of the few classifications of cargo that can potentially spoil during transportation. Those in need of produce haulers insurance often use trucks with refrigerated trailers which need specialty insurance of their own.
Since there is an element of loss involved with many shipments, and the commercial truck’s refrigeration system adds yet another variable to possible cargo spoilage, a good produce haulers insurance policy will account for the nature of the produce industry and protect drivers against all possible cargo loss.
We encourage you to NEVER base insurance decision solely on price. Normally, when we buy a product we look for the lowest price — if all other things are equal, we take it. If you insure for lower rates, but that company can’t provide good timely service, the lower premiums will not help you out at all when you can’t get loaded due to problems with your insurance. The same is valid when your claim is not covered because your insurance agent sold you a “subprime” policy. Please note that your actual proposal may vary based on underwriting factors such as location, age of driver, MVR and more. Coverages, payment plans, policy terms and conditions vary state by state. No two policies are the same. No two insurance needs are the same either.
Many reefer truck insurance cargo policies contain important limitations in coverage, such a total exclusion or sublimit for “high-risk” commodity (example: seafood). A well-tailored reefer truck insurance policy must contain the following cargo and physical damage coverages:
Reefer Breakdown – provides coverage for cargo loss caused by the mechanical or electrical breakdown or malfunction of a temperature control system.
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– this coverage allows you to pay only one deductible in the event a loss occurs involving both physical damage and cargo.
Please complete our one page quick quote sheet for a quick reefer truck insurance quote or call us at
(844) 235-9449 to speak to one of our licensed trucking agents.
DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.
Top notch organization to deal with for commercial truck insurance. When I thought I had a serious issue aquiring truck insurance, John @ Big Rig expedited things and came thru with top rated insurer for a premuim price almost half of what I was being quoted. Give him a call and let him work his magic. He got my 100% approval!
Jan – Singleton Trucking Inc.
I have been in the trucking business for about 5 years. I have had 2 other insurance agency’s. I switched to Insure Big Rig about a year ago and hands down this is the best service I have ever received. The products that they offer are over the top. No one else can offer the products that Insure Big Rig provides. Very happy customer.