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.