Reefer Truck Insurance Ohio | Insura

Reefer Truck Insurance Ohio | Insura

Reefer trucks, or refrigerated trucks, are an essential part of any business that handles food items. However, due to the perishable nature of their cargo, reefer trucking companies face unique challenges when trying to acquire insurance. Insura’s reefer breakdown coverage program can protect refrigerated trucks that transport vegetables, fruits, seafood, meats, dairy products, and other spoilage-prone items.

We offer excellent insurance for refrigerated trucks to ensure that your vehicles continue to run smoothly and your cargo is covered. Whether you’re a private carrier or own a fleet, you will find the right policy that protects you and your investment in any situation. Continue reading to learn more about Insura’s special reefer coverage.

What Does Insura’s Reefer Breakdown Coverage Include?

Insura offers customized reefer truck insurance programs that also include regular commercial truck coverage. Because the needs of refrigerated trucking operators are unique, Insura will create an insurance plan that is tailored to your requirements. To give you an idea on the benefits you will receive, the typical inclusions of reefer truck insurance are:

  • Collision Coverage
  • Third-Party Injury Coverage
  • General Liability Coverage
  • Medical Coverage
  • Motor Truck Cargo Coverage
  • Non-Trucking Liability Coverage
  • Garagekeepers’ Liability Coverage
  • On-Hook Towing Coverage

This isn’t an exhaustive list of the protection programs that Insura offers, and you can acquire all or a combination of offers depending on your needs. Customers are advised to contact our team to learn more about our unique policies for reefer trucks and other additional plans that may be relevant to your business.

Cost of Reefer Trucking Insurance in Ohio

The price for reefer breakdown coverage will depend on several factors, but the following will be part of your consideration:

  • USDOT regulations
  • OSHA compliance
  • Vehicle type and age
  • Time in business
  • Operating radius
  • Number of drivers
  • Driving history
  • Service history
  • FDA compliance (for perishable cargo)
  • Type of towing

Don’t hesitate to give our team a call to determine the final pricing for your reefer truck insurance plan. We will conduct a thorough evaluation of your needs and design a policy that will work best for your business and your budget.

Areas We Serve

Insura provides reefer breakdown coverage to all Ohio residents and business owners. If you would like to discuss your policy in person, you are welcome to visit us at these locations:

  • Cincinnati, Ohio
  • Dayton, Ohio
  • Reynoldsburg, Ohio

Our dedicated team of insurance agents are happy to assist you in devising the best reefer truck insurance policy that will give your business that protection it deserves.

Frequently Asked Questions on Reefer Coverage

Here are some of the most frequently asked questions that customers have about our products. If you don’t find your query answered here, feel free to contact us, and we’ll gladly help.

Why do I need reefer breakdown coverage?

A reefer breakdown policy will provide coverage for the cargo that’s compromised or spoiled when a reefer truck suffers an electrical or mechanical malfunction on its refrigeration system. Some insurance policies will state exclusions for perishable cargo, like shellfish, meats, pharmaceuticals, and tobacco products. So it’s important that you check if you are covered for whatever you are transporting before picking up a load. If not, talk to our team to get yourself protected.

Do I need to get insurance for all my reefer truck drivers?

This depends on whether you own the reefer trucks or are hiring drivers who are operating their own vehicles. If you own the truck, you will need to cover the cost of the insurance. If your drivers are the owners, they will need to get their own insurance, or you can advise them to get covered right away.

What types of businesses need reefer coverage?

If you transport perishable items that require refrigeration, you need reefer breakdown coverage. This applies to any type of business that needs a refrigerated truck for transporting goods.

Ready to get the protection that your drivers and refrigerated trucks need? Get in touch with the Insura team today to learn more about our customizable reefer breakdown insurance programs.

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