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What is reefer breakdown coverage?

The typical reefer truck weighs a lot and contains a refrigerated unit or refrigeration built directly into its frame. It helps to keep perishable goods fresh during long-distance deliveries. If you routinely transport refrigerated goods, adding reefer breakdown coverage to your insurance policy can give you added protection and peace of mind. Refrigerated goods need special protection and come with a higher risk than certain other types of cargo. This cargo isn’t your typical load, and it needs special care and attention so that it can be delivered to the client.

We’ll highlight some of the risks of hauling refrigerated goods below as well as what to look for in a new insurance policy.

Risks of driving a reefer truck

As a commercial driver of a reefer truck, one of the greatest risks you face is that your truck will breakdown while in transit and the goods will spoil. While it might be possible to save some goods, other goods can go bad immediately. The financial loss could be devastating for your business, not to mention the damage to your reputation when you’re unable to deliver a customer’s goods as expected. The customer probably would not be too happy if their load is ruined.

Another risk is being involved in an accident. Reefer trucks, like all commercial trucks, have a higher risk of causing serious injury, fatality, or property damage in the event of a collision. This is especially true in accidents involving a reefer truck and a passenger vehicle. When you drive a large truck, accidents can be serious. Aside from that, a collision could also cause you to spill refrigerated goods on a highway or freeway, resulting in financial loss.

Anyways, these risks are why it’s important to make sure you have the right coverage and the right limit of coverage. You don’t want to be in a position where you have a financial loss due to a reefer unit mishap.

How to choose reefer breakdown coverage

The standard reefer breakdown insurance policy can cover your financial losses if you lose a refrigerated load due to mechanical failure of your commercial vehicle and other common occurrences. However, it’s important to review your policy carefully to see if it excludes any type of goods from coverage. You really need to make sure your policy will protect the load that you’re hauling. We can’t stress enough the importance of reading your insurance policy and asking any questions you have about your coverage.

Ready to compare reefer insurance policies?

It’s important to make sure that you get the insurance you need to protect your business from all the risks you face. We invite you to learn more about cargo insurance and then complete a quote request form to receive and compare several competitive rates. Or, if you prefer, you can fill out our online quote form or give us a call today. Our team of transportation insurance experts would be happy to help you get the reefer insurance you need to protect your business.