Refrigeration Breakdown Coverage
Get the best and most reasonably priced Refrigeration Breakdown Insurance Coverage when you use NITIC as your truck insurer. For many years, clients from all over America have relied on us because of our adaptable protection and payment options, expert guidance with claims involving heavy-duty trucks, free insurance filings, discounts, and professional support. We offer the best customer service around!
Keep Your Refrigerated Cargo Safe With The Most Reliable Insurer!
As the owner-operator of a reefer truck, you run the constant risk of temperature-controlled goods spoiling, if your refrigeration unit breaks down. In this situation, refrigerated truck insurance often known as reefer trucking insurance is a lifesaver for you.
It is an add-on insurance option for the cargo policy. A mechanical failure or accident that is unexpected and unforeseen is covered by refrigeration breakdown coverage.
If you frequently carry perishables, having this coverage might provide you with additional safety and contentment. Speak to one of our insurance experts; they will walk you through the approach and help you decide which options are best for your business.
What are the RISKS subject to reefer unit operation?
- If your refrigerated unit malfunctions in transit: While you might be able to rescue some of the things, the majority will likely spoil within a few hours.
- If you get involved in an accident: Reefer trucks are more likely to cause significant injury, death, or property destruction in the event of any collision. Moreover, it could also harm your cargo or your refrigeration system.
What does refrigeration breakdown insurance COVER?
Refrigeration breakdown coverage is an additional endorsement to motor truck cargo coverage. In unexpected and unforeseen circumstances, our insurance plan can protect your company by providing the following coverages:
- Goods replacement cost.
- If the ruined goods cannot be fixed, any loss of value.
- Storage costs at a facility for business.
- Cost of product disposal.
- In case of duty suspension.
What EXCLUSIONS apply to refrigeration breakdown coverage?
- In case of driver's negligence or tardiness.
- Carrying high-risk commodities such as fish, fresh meat, poultry, seafood, tobacco products, and pharmaceuticals.
Who needs refrigerated breakdown coverage?
- Anyone who is transporting frozen or refrigerated goods, cosmetics, plants, flowers, or other temperature-sensitive goods.
- Specific types of vehicles and trailers, such as reefer semi-trucks, refrigerated coaches, and pickup trucks with mounted reefer units.
What other kinds of insurance are required for reefer trucking?
Primary Liability Insurance
Primary liability insurance provides coverage for motor carriers if any goods being transported are harmed. Motor carriers who transport chilled goods add the reefer license. While not normally covered by most insurance, loading and unloading can be included as an approval.
Physical Damage Coverage
The majority of motor carriers will choose physical damage protection to protect their truck in the event of an accident, even if it is not required by law. Physical damage insurance comes in two forms:
- Collision: In the case of an accident, this insurance covers any damage.
- Comprehensive - Includes damage that is not caused by an accident. For instance, if a fallen tree strikes the car, denting the hood or shattering the glass
Medical Insurance
The reefer driver’s and their passengers’ medical needs are covered
Underinsured/ Uninsured Driver Insurance
Additional Insurances
- Trailer Interchange: Provides protection for a trailer owned by a third party while it is in the policy holder's possession (whether or not linked to the tractor). Only takes effect if a documented contract with the trailer's owner is in existence.
- Now-Owned Trailer: Likewise to a trailer interchange, but without the requirement of a written agreement. Only trailers connected to a semi truck, however, are covered.
How Much Does Reefer Breakdown Insurance Cost?
Your refrigerated breakdown insurance premium will depend on how our insurer evaluates the following variables:
- The size, price, and type of truck.
- Driving history of the driver.
- Tax-deductible sum.
- Hauled freight kind.
- Your policy limit.
- Claim history.
- Number of business years.
- The service area.
Therefore, don’t delay referring to trucking insurance. Discuss your options freely with our insurance agent to get the best protection to assist your trucking business comply with FDA regulations and legal insurance needs.
Save Big With NITIC As Your Most Reliable Insurer
National Independent Truckers Insurance Company, provides timely, thorough, and cost-effective insurance solutions for refrigerated breakdown coverage. Regardless of level of experience, we welcome all trucking companies and drivers, and we offer the best protection to meet their specific needs.
We are conscious of all the risks involved in driving, loading, and unloading cargo from a road truck. Due to this, we are committed to comprehensive refer trucking insurance at the best rates.
GET YOUR CUSTOM FREE QUOTE
Sheri is the best customer service rep around. Very pleasant and very informative.
4.7/5
TESTIMONIALS
