When the unit fails and the load is on the line.
Reefer Breakdown covers cargo spoilage caused by refrigeration unit failure, the exact loss that a standard cargo policy usually excludes.
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In short
Reefer Breakdown insurance covers spoilage of refrigerated freight caused by a mechanical failure of the truck or trailer's refrigeration unit, a loss standard Motor Truck Cargo policies normally exclude. It is essential for carriers hauling temperature-sensitive produce, fruit, and dairy on a regular basis.
What it covers
The protection this policy actually puts in place.
- Spoilage of refrigerated goods caused by mechanical breakdown of the reefer unit
- Temperature-sensitive produce, fruit, vegetables, and dairy in transit
- The refrigeration-failure loss that standard cargo policies carve out
- Cold-chain exposure that Motor Truck Cargo alone does not cover
Who needs it
Is this coverage for your operation?
Any carrier hauling refrigerated freight on a regular basis, significant produce and seafood freight moves through Florida and the Southeast. Standard Motor Truck Cargo excludes spoilage from reefer unit failure, so without this coverage a breakdown that ruins a full load comes out of your pocket.
Read the exclusions carefully: many reefer policies also exclude fresh seafood, pharmaceuticals, and meats, as well as spoilage caused by driver delay or negligence. We tell you up front what your policy does and does not cover.
Why Road Ready for reefer breakdown
The difference is how we place it.
Reefer breakdown claims live and die on maintenance records and the policy's exclusions. We place coverage that is realistic about how reefer units actually operate, and we tell you exactly what a carrier will expect at claim time.
Premiums turn on load type, unit specs, driver history, service radius, and deductible. We shop those variables so you are not overpaying, and we pair the coverage with your cargo policy so the two read as one package.
Common questions
Straight answers on reefer breakdown.
Related coverage
Coverages that often ride alongside this one.
Ready to review your reefer breakdown?
Talk to an agent who specializes in trucking. We will review your operation and place coverage with no gaps and no padding.