Refrigerated (Reefer) Trucking Insurance

Refrigerated (reefer) operations need everything a dry-van carrier carries plus reefer-breakdown coverage and higher cargo limits — because spoilage from a refrigeration-unit failure can be a large cargo claim that standard policies may exclude.

Key exposures

• Cargo spoilage from reefer-unit breakdown
• Higher cargo values (perishables, pharma)
• Temperature-sensitive freight handling
• Long-haul radius
• Auto crash severity

Coverages you typically need

Commercial auto liability, motor truck cargo with reefer-breakdown coverage (watch the breakdown exclusion), physical damage, and general liability. Cargo limits should reflect the value of the loads you haul.

Filings & authority

Interstate for-hire reefer carriers carry the same FMCSA filings as other for-hire operations (MCS-90 / BMC-91), plus cargo filings where required.

FAQ

Does motor truck cargo cover spoilage?

Only if your policy includes reefer-breakdown coverage and you maintain the unit per its terms. Many standard cargo forms exclude spoilage from mechanical breakdown.

What cargo limit do I need for reefer loads?

Set the limit to the value of your highest-value loads; perishables and pharmaceuticals often need higher limits than dry freight.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; coverage, filings, and eligibility vary by operation, authority, and carrier. Related: transportation & trucking insurance · motor truck cargo · hired & non-owned auto.