Refrigerated Freight
Reefer insurance that actually covers a breakdown.
Because a $60K load of produce spoils fast.
Reefer-specific coverages
- Motor truck cargo with reefer breakdown
- Higher limits ($100K–$250K)
- Produce / meat / pharma endorsements
- Temperature-monitoring compliance
- Physical damage on reefer trailers
- Trailer interchange
What is reefer breakdown coverage?
It pays for cargo losses when the refrigeration unit fails and spoils the load. Most standard cargo policies exclude reefer breakdown unless you add the endorsement.
Do I need higher cargo limits for produce?
Yes. Fresh produce, meat, and pharma loads typically require $100K–$250K cargo limits, sometimes higher based on shipper contracts.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.