Why would I need reefer breakdown insurance?

Do I need to purchase reefer insurance? I am thinking about expanding the type of cargo I haul and may get into pharmaceuticals or produce. I already have a commercial insurance policy on my rig, but will I need additional coverage?

Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, you will want to purchase reefer breakdown insurance, which is a type of
liability coverage
, if you start hauling perishable goods.
Reefer insurance specifically covers spoilage due to a failure in one of the reefer components in the truck. Most commercial insurance policies have exclusions that do not cover the spoiling of food and other perishables.
Reefer trucking can be a very lucrative career, but it’s also one of the riskier choices in trucking because of the many ways the shipment can spoil, including:
  • User error
  • Time delays
  • Temperature fluctuations in the area
Work closely with your insurance agent to ensure you have enough coverage for the type of perishables you will haul. For example, some goods like meat, seafood, or pharmaceuticals may be excluded from the policy due to their high-risk factors.
Best of luck and stay cool!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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