Reefer trucks, or refrigerated trucks, are an essential part of any business that handles food items. They are similar to box trucks only that reefers are specialized to move perishable cargo.
Because of the nature of the items transported, 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 and commercial box 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 truck coverage products.
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 of 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. For example, if you have a box truck that you want to convert into a reefer somebody, you may need to apply for box truck insurance now and then reefer coverage later.
Customers are advised to contact our team to learn more about our unique policies for reefer trucks, commercial box 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 and box 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 and box truck coverage to all Ohio residents and business owners. If you would like to discuss your policy in person, you are welcome to visit us in these cities:
- Cincinnati, Ohio
- Dayton, Ohio
- Reynoldsburg, Ohio
Our dedicated team of insurance agents is happy to assist you in devising the best reefer and box truck insurance policy that will give your business the protection it deserves.
Frequently Asked Questions About Reefer and Box Truck 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.
What is the difference between reefer and box truck insurance coverage?
Reefer truck insurance is designed to protect vehicles that transport perishable cargo, while box truck insurance covers general freight. Box trucks can be converted into reefers, and in this case, you would need to acquire both types of coverage.
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 in 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.
What types of businesses would need reefer or box truck insurance?
Businesses that use reefer or box trucks to transport their goods would need corresponding insurance coverage. This includes, but is not limited to, grocery stores, food retailers and suppliers, pharmaceutical companies, and florists.
How much does reefer or box truck insurance cost?
The price for either reefer or box truck insurance will depend on the type of vehicle, the operating radius, the driving history of the operator, and other factors. In instances where you might have both types of trucks, you may need to have two separate policies. You can get a quote by contacting our team at Insura.
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.
Are there other insurance policies I should get for my commercial trucks?
Aside from reefer and box truck insurance, you should also get commercial auto liability insurance. This will protect you if your truck causes an accident and damages property or injures someone. You might also want to add on collision and comprehensive coverage, depending on the value of your truck and your needs.
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.