Refrigerated Truck Insurance

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Reefer trucks or 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 not only damage your refrigerated truck but can also create a massive liability exposure for your refrigerated truck business. It's essential to have the right Commercial Auto insurance policy to protect your refrigerated trucks and to protect 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.

What Does Refrigerated Truck Insurance Cover?

Your refrigerated truck insurance policy can cover a number of risks to both your trucks and to 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.

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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 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.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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