Trucking Insurance · Reefer / Refrigerated
Produce, meat and frozen loads on interstate lanes out of California. Cargo with reefer breakdown and spoilage, liability priced for long haul, and the certificate wording produce brokers look for.
Reefer is the most expensive common operation to insure: the loads are worth more, they spoil, and the lanes are long. The cargo policy is where reefer carriers get hurt — a standard cargo form excludes mechanical breakdown of the unit, so a $40,000 load of strawberries lost to a compressor failure is on you unless reefer breakdown is added. We add it, price it, and explain the temperature-log and pre-cool conditions that come with it.
We write reefer for new ventures and established carriers alike, from the Central Valley to Los Angeles produce markets to interstate out of the state. Physical damage on a reefer trailer is priced on the trailer's value including the unit, so tell us what it is really worth.
$100K to $250K+ limits, mechanical breakdown and spoilage, contamination and debris removal.
$1M primary with filings, rated for the radius you actually run.
Insured at full value with the reefer unit, so a total loss replaces the trailer and the unit.
Long-haul rating across the western states and beyond; 30-state licensing means one broker as you grow.
Every reefer breakdown endorsement has conditions; you will know them before a claim, not after.
First-year reefer carriers are placed regularly, including with hired drivers.
Not unless reefer breakdown is added. Standard cargo forms exclude mechanical breakdown of the refrigeration unit; the endorsement adds it, usually with pre-cool and temperature-log conditions.
$100,000 is the floor; many produce and meat brokers require $150,000 to $250,000, and some want the reefer breakdown endorsement named on the certificate.
Long lanes, high-value loads and tight delivery windows. Carriers rate the operation, and reefer sits near the top.
What Truckers Say
Real reviews from real DOT numbers — read them all on Google.
“Excellent customer service. Always available. This is an agency you can count on.”
“I'm a new owner op. He has helped me tons with shopping around finding something to fit the budget. Answers all my questions and very honest. He put up with me calling non stop when I first started. That is someone with patience and not after a quick dollar. Tbh if it wasn't for him I don't know if I would have even made it out on the road.”
“Informative and always available.”
