Reefer Truck Insurance in Texas
Reefer insurance covers refrigerated fleets, including reefer-breakdown coverage for temperature-sensitive freight that spoils if the unit fails.
Refrigerated freight adds a spoilage exposure most cargo policies exclude by default. Reefer breakdown coverage — with the right maintenance and temperature-log requirements — is what protects a load when the unit fails.
What underwriters look at
- Reefer breakdown endorsement on the cargo policy
- Temperature logging and unit maintenance requirements
- Commodity — produce, pharma, or frozen goods
- Higher cargo limits for pharma and high-value perishables
Coverages for a reefer fleet
Auto Liability
Commercial auto liability pays for bodily injury and property damage your trucks cause to others, and is the coverage FMCSA requires on file before a carrier can operate.
Physical Damage
Physical damage insurance pays to repair or replace your own trucks and trailers after a collision, theft, fire, or other covered loss.
Cargo
Motor truck cargo insurance covers the freight you are hauling if it is damaged, destroyed, or stolen in transit.
Common questions
- Does cargo insurance cover reefer breakdown?
- Not by default — most cargo policies exclude loss from refrigeration failure unless reefer breakdown coverage is added. Carriers usually require proof of unit maintenance and temperature logs for the coverage to respond.