Refrigerated (Reefer) Trucking Insurance
Refrigerated trucking companies haul temperature‑sensitive freight that requires specialized insurance coverage. From food spoilage to reefer unit breakdowns, insurers evaluate these operations differently than standard dry van trucking. Wexford Insurance specializes in helping reefer operators secure coverage that meets both regulatory and shipper requirements.
Call For a Quote at 855-784-3077
What Does This Trucking Insurance Cover?
Refrigerated trucking insurance typically includes the following coverages tailored to temperature‑controlled operations:
Auto liability coverage
Physical damage for tractor and trailer
Refrigerated cargo insurance
Reefer breakdown endorsement
Trailer interchange coverage
General liability insurance
Proper coverage ensures protection against cargo losses caused by mechanical failure, temperature deviations, and transit delays.
Insurance Requirements for This Type of Trucking
Most refrigerated trucking operators must carry the following insurance
FMCSA‑required auto liability limits
Cargo insurance meeting shipper contracts
Reefer breakdown endorsements
Proof of maintenance and temperature controls
Carriers often scrutinize maintenance logs, driving radius, and freight type more closely for reefer operations.
Common Claims in This Type of Trucking
Common insurance claims in refrigerated trucking include:
Cargo spoilage
Refrigeration unit failure
Accident‑related cargo loss
Trailer damage
Temperature deviation disputes
Specialized coverage helps limit out‑of‑pocket exposure.
How Much Does This Trucking Insurance Cost?
Reefer trucking insurance costs are typically higher than dry van operations. Pricing is influenced by:
Freight type
Operating radius
Driving history
Equipment age
Prior cargo claims
Wexford works with carriers that actively write refrigerated trucking risks.
Why Truckers Choose Wexford Insurance
Wexford Insurance understands how reefer trucking is underwritten. We work with insurers that specialize in temperature‑controlled freight and help operators secure competitive pricing without sacrificing coverage.
Call For a Quote at 855-784-3077