Need reefer insurance for your company? Let our trucking industry professionals help.
If you’re currently shopping for insurance, you may have noticed most insurance companies don’t like to insure truckers who operate reefer trucks. This is because refrigerated goods require special coverages that some agents aren’t familiar with.
Also, you may have noticed that insurance for a reefer is a lot more expensive than other commercial vehicles. This is due to the level of risk involved with reefer units compared to other commercial trucks.
Here at InsuranceHub Leavitt Agency, we have a team of trained agents who specialize in trucking. We’ve been around since 1985 and our agents work with reefer units daily.
What’s considered a reefer?
A reefer is another term for a refrigerated truck. This vehicle is enclosed and designed to haul perishable items like dairy products, pharmaceuticals, seafood, and meat. The trailer stays at a certain temperature so frozen and refrigerated items don’t thaw or go bad.
Food factories and grocery stores rely on reefer trucks for their daily operations. Without them, our grocery stores shelves would be bear!
What type of insurance do reefers need?
As stated above, there are more risks involved when operating a reefer truck. There’s a chance you get into an accident, or your refrigeration unit breaks down and the perishables spoil.
Refrigerated cargo is expensive and you don’t want to be left footing the bill if an unwanted incident occurs.
Here are some of the coverages you’ll need to protect your reefer business:
Your reefer insurance rate will be dependent on several factors such as:
- The age and experience of your drivers
- Your location
- Speeding tickets
- The type of perishable items you transport
- Your hauling radius
- The condition and age of your reefer units