A typical reefer truck has a separate refrigerated unit you attach to the trailer or it has one built directly into the frame. Refrigeration units keep perishable goods at the correct temperature for the duration of the trip. If you routinely transport perishable goods, adding reefer breakdown coverage to your insurance policy can give you added protection and peace of mind.
Refrigerated goods need special coverage since they pose a higher risk than other types of cargo. We’ll highlight some of the risks of hauling refrigerated goods below as well as what to look for in an insurance policy.
The Risks of Operating a Reefer Unit
As a commercial driver of a reefer unit, one of the greatest risks you face is that your unit will break down during transit and your goods will spoil. While you may be able to save some of the items, most go bad within a couple of hours. 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 safely.
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. Aside from that, a collision could damage your goods or your refrigeration unit.
Anyways, these risks are why it’s important to make sure you have the right coverage in place for your reefer truck. You don’t want to be in a position where you’re experiencing a large financial loss due to a reefer unit mishap.
Reefer Breakdown Coverage
The standard reefer breakdown insurance policy can cover your financial losses if you lose a refrigerated load due to a mechanical failure. However, it’s important to review your policy carefully to see if it excludes any type of goods from your coverage. You 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 questions regarding your coverage.
Ways to Save on Your Insurance
It’s crucial you purchase enough coverage to protect you and your trucking business fully. We invite you to learn more about refrigerated truck insurance and then complete a quote request form to receive and compare several competitive rates. Or, if you prefer, you can give us a call today. Our team of transportation insurance experts would be happy to get you a competitive truck insurance quote.