Reefer truck insurance that covers the load when the unit fails.
Refrigerated freight is the cargo that can spoil in your trailer while nothing else goes wrong. The right cargo policy pays for that — the wrong one excludes it.
Designed for
Owner-operators and fleets hauling temperature-controlled freight
Typical loads
Produce, meat and poultry, dairy, frozen goods, pharmaceuticals
What carriers ask
Cargo type, load values, trailer and unit age, and reefer maintenance
Cargo coverage written for temperature-controlled loads
Produce, meat, dairy, frozen goods, and pharmaceuticals all ride on a refrigeration unit that can fail, run out of fuel, or be set to the wrong temperature. Standard motor truck cargo often excludes spoilage unless reefer breakdown coverage is added, and shippers will ask for it by name.
We place reefer operations with carriers that write temperature-controlled freight, and we check the cargo form for what is actually covered: mechanical breakdown, driver error on temperature, contamination, and the high-value theft exposure of a loaded reefer.
Coverage we arrange for reefer operations
Common questions
Is spoilage covered by regular cargo insurance?
Frequently not. Many cargo forms exclude temperature-related loss unless reefer breakdown coverage is endorsed. We confirm it is on the policy before you haul refrigerated loads.
Does reefer breakdown cover driver error?
It depends on the form. Some cover a unit that fails mechanically but exclude a unit set to the wrong temperature or never turned on. We read the wording and tell you what you have.
Why do carriers ask about the age of the reefer trailer?
Older units fail more often, and some markets limit reefer breakdown to trailers under a certain age. Maintenance records and a newer unit widen your options.
What cargo limit do I need for reefer freight?
Most brokers require at least $100,000; high-value loads such as meat or pharmaceuticals often need $250,000 or more. We size the limit to the loads you actually haul.
Which carriers write this?
Market appetite for refrigerated freight changes by state and by year. Carrierlens is the free directory of trucking insurance markets our agency built: carriers, MGAs, and wholesalers, with the states they write and their appetite documents.
See markets for reefer on Carrierlens →Other operations we insure
- Dump truck insurance
- Hotshot insurance
- Box truck insurance
- Hazmat trucking insurance
- Tow truck insurance
- NEMT insurance
- Semi truck insurance
- Bobtail & non-trucking liability
- Car hauler insurance
- Cargo van insurance
- MCS-90 endorsement
- Amazon Relay insurance requirements
By state
Get a reefer quote
Tell us what you haul, the trailer and unit, and your typical load value. We quote cargo that actually covers spoilage.
A quote request does not bind coverage. Availability, limits, exclusions, and effective dates are subject to carrier approval and policy terms.