Refrigerated Truck Insurance: everything you should know

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What is Refrigerated Truck Insurance?

Refrigerated truck insurance is a type of commercial vehicle insurance that covers refrigerated trucks and their cargo. This type of insurance typically includes coverage for damage to the refrigeration unit and the cargo being transported, as well as liability coverage in case of an accident involving the refrigerated truck.

Reefer trucks, refrigerated trucks, or trailers are a significant investment and need to be kept in undamaged condition to ensure they won’t let you down. A specialized truck needs specialized refrigerated truck insurance.

Accidents can damage your refrigerated truck and create massive liability exposure for your refrigerated truck business. It's essential to have Commercial Auto insurance policy to protect your refrigerated trucks and your business against liability lawsuits.

Do I Need Refrigerated Truck Insurance?

Commercial Auto Liability insurance is at the heart of every refrigerated truck insurance policy and this essential coverage is required by law in all states. Commercial Auto Liability is potentially one of the largest risks to your refrigerated truck business and your refrigerated truck insurance policy provides coverage for bodily injury liability and property damage liability due to commercial auto accidents, as required by law.

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FAQs on Reefer Truck Insurance

What Does Refrigerated Truck Insurance Cover?

Your refrigerated truck insurance policy can cover a number of risks to both your trucks and your business. Commercial Auto Liability insurance is at the core of your refrigerated truck insurance policy, but your policy can also provide coverage for several other risks including physical damage coverage, which provides coverage for collision damage to your trucks, and comprehensive coverage, which provides protection for other types of damage to your trucks, such as fire, theft, vandalism, and other similar risks. Coverage options can vary by state, but your refrigerated truck insurance policy can also provide coverage for medical payments due to a commercial auto accident, providing essential medical services for your driver or passenger. Your refrigerated truck insurance policy can also provide uninsured and underinsured motorist coverage, which is essential if you are involved in an accident and the other party in the accident does not have insurance or has insufficient insurance coverage. You can also have your reefer truck insurance policy provide cargo insurance for refrigerated goods or refrigerated cargo. Coverage is also available for other trucking-related expenses or risks, such as towing and storage, bobtail insurance, and coverage for specialized equipment, such as expensive refrigeration units.

What Other Types of Insurance Do I Need for my Refrigerated Truck Business?

To fully protect your refrigerated truck business, some additional insurance policies can cover non-auto-related risks or can provide the coverage required to be compliant with state regulations, such as Workers’ Compensation coverage. In nearly all states, Workers’ Compensation coverage is required by law if your business has employees.

To protect your reefer truck business from non-auto-related liability claims, a Commercial General Liability Policy or a Business Owners Policy can provide the coverage your business needs with coverage limits beginning at $1,000,000 per occurrence. Higher coverage limits are available to meet the needs of your growing business.

Business Property insurance can provide protection for your equipment, supplies, inventory, and other business property, with coverage limits and deductibles customized to meet both your needs and your budget.

By combining these essential coverages into a Commercial Package Policy, you can easily manage your insurance coverages and save money by bundling your policies.

What Documents Are Required to Get Refrigerated Truck Insurance?

Speak to a CoverWallet insurance agent, an expert in refrigerated trucks, for a complete list of documents you’ll require to take out your reefer Insurance. Below are the most common requirements to take out your insurance:

1. Motor Carrier (MC) Number: If you cross state lines, you'll need a Motor Carrier (MC) number and the limits of coverage required for us to file your MCS 90 (varies by state). To find out how to get your MC and DOT Numbers, check out the Trucking Authority 101 Guide.

2. MCS-150 and BOC-3 Filings: MCS-150 and BOC-3 Filings are required especially if you have just started your operations. After December 12, 2015, MCS-150 forms can only be used to update a USDOT number; they cannot be used to register for an FMCSA account for the first time. New applicants are required to use the Unified Registration System (URS).

3. Commercial Drivers License: some states will require a Commercial Drivers License, which can also lead to lower insurance rates. This CDL & Weight Class Guide will point you in the right direction to get your Commercial Drivers License.

How Much Does Refrigerated Truck Insurance Cost?

The price of insurance for your reefer truck varies by state and is influenced by a number of other variables, such as the coverage options and limits you select to safeguard your trucking company.

Your driving history and claim history may affect how much your truck insurance will cost. Fewer claims will help to reduce the price of your premiums. You can find here more information about commercial truck insurance cost

How can I save on Refrigerated Truck Insurance?

Your claims history can affect your insurance rates, so always put safety first. Bundling your insurance coverages with a Commercial Package policy is also a great way to reduce your overall insurance expense. Just reach out to CoverWallet’s team of experienced insurance agents for a fast, no-obligation quote. CoverWallet can help you find the coverage you need for your refrigerated truck business without the expensive extras.

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