Who needs it
Anyone hauling temperature-controlled freight, such as produce, meat, dairy, frozen food or pharmaceuticals. Brokers and shippers of reefer loads often ask for it.
What it pays for
- Spoiled freight after a sudden mechanical breakdown of the reefer unit
- Debris removal for the spoiled load, on many policies
- Spoilage after a covered crash damages the unit
What it won't pay for
- Repairing or replacing the reefer unit itself
- Breakdowns from poor maintenance or running out of fuel
- A wrong temperature setting, or freight that wasn't pre-cooled
- Delay or loss of market, usually
What moves the price
We don't show prices online. These are the things an agent and the insurance companies look at.
- What you haul and its value
- Age and condition of your reefer units
- Your maintenance and temperature records
- Your cargo claims history
- Deductible
Real situations
- Your reefer compressor fails overnight and a load of strawberries is rejected at the receiver. Reefer breakdown pays the shipper for the spoiled load, minus your deductible.
- A load of frozen chicken thaws because the unit ran out of fuel. Reefer breakdown usually won't pay, because running out of fuel is excluded.