Reefer Breakdown Coverage for Refrigerated Carriers

What it covers

• Mechanical breakdown coverage
• Temperature deviation claims
• Load-specific limits available

Reefer breakdown coverage closes the most expensive gap in a refrigerated carrier's insurance program: it covers cargo loss when the refrigeration unit itself fails mid-haul, including temperature deviation claims.

We write it as an endorsement to your motor truck cargo policy with limits matched to your typical load value, so a mechanical failure doesn't turn into a five-figure claim out of your own pocket.

Who needs it

If you haul refrigerated or frozen freight, your standard cargo policy almost certainly excludes losses caused by mechanical breakdown of the refrigeration unit. One failed reefer unit can mean a rejected load worth tens of thousands of dollars.