Reefer Truck Insurance
Reefer Truck Insurance
Looking for Reefer Truck Insurance?
Reefer trucks are unique because they can haul items that need cooling and temperature control. Since they feature a refrigeration unit, they can haul items such as produce, ice cream, etc. They pay higher freight rates and are one of the most stable cargo types in various economic situations. However, they do have risks, and it is vital for you to protect your hard work from any losses.
As transportation risk specialists, we understand your operations and how underwriters think to ensure you get the best results on your insurance.
Reefer Truck Risks
Reefer Breakdown: Reefer trucks have to worry about the maintenance and functioning of their trailer's refrigeration unit. Since most of the items you will haul need to remain within a certain temperature range, malfunction of the breakdown of the unit will cause you severe stress and financial loss. For example, if you haul flowers or ice cream, the loss of the refrigeration unit means the loss of your cargo.
Spoilage other than Reefer Breakdown: Another issue many reefer trucks can see is spoilage other than reefer breakdown. Sometimes the shipper will load expired food products, welting plants, etc. that will be rejected by the receiver at drop-off.
Maintenance: Since reefer trucks have the added complexity of a refrigeration unit, it is important to keep all equipment well-maintained to prevent any potential loss. Some carriers need the maintenance history at claims time.
Cleanliness: Since reefers can haul items that will be consumed by the public, there is a special concern as to the cleanliness of the trailer. If it is not up to the standards of the shipper or receiver, you might have to work for nothing.
Reefer Truck Insurance
Unique Insurance Considerations
Physical Damage: Reefer physical damage rates are higher than dry vans because of additional coverage to the trailer's refrigeration unit. As one of the most valuable parts of the truck-trailer combination, you may need more coverage to protect the unit.
Cargo Coverage: Reefer cargo coverage can be higher than for a dry van because of the additional risk of reefer breakdown. Since the cargo's preservation depends on the refrigeration unit properly working, they want to ensure the trailer temperature is monitored or the unit is regularly maintained. Thus, reefer cargo policies need reefer breakdown to protect your company from financial loss.
Why Insurance Matters
When you own a reefer truck business, you need to ensure that you are covered for any potential losses that might occur. It’s not just your truck you have to worry about. Insurance helps make sure that you stay compliant with state laws and avoid the many headaches that come with dealing with potentially devasting financial losses.
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