Refrigeration Breakdown Coverage for Truckers
When you haul perishable goods, your refrigerated trailer is more than equipment—it’s the lifeline of your business. A single mechanical failure or power outage can ruin an entire load, costing you tens of thousands of dollars and damaging relationships with shippers. That’s why Refrigeration Breakdown Coverage is essential. At FleetGuard USA, we provide trucking insurance solutions that protect reefer loads and keep your business on solid ground.
What Is Refrigeration Breakdown Coverage?
Refrigeration Breakdown Coverage is a specialized form of Motor Truck Cargo Insurance that pays for losses when perishable freight is damaged due to:
Mechanical or electrical failure of refrigeration equipment
Sudden breakdown of cooling units
Power supply failure during transit
This coverage helps pay for spoiled or damaged cargo, protecting truckers from costly claims and keeping contracts secure.
Why Reefer Coverage Matters
Without refrigeration protection, one breakdown could result in massive out-of-pocket costs. This coverage ensures:
Financial Protection – Pays for spoiled or damaged perishable goods.
Contract Compliance – Many brokers and shippers require reefer coverage before assigning loads.
Business Reputation – Keeps relationships intact with clients who depend on timely, safe delivery.
- Peace of Mind – Allows you to focus on the road, not the “what if” of equipment failure.
Protect Your Loads. Protect Your Business.
Don’t let a refrigeration failure put your trucking business on ice. With Refrigeration Breakdown Coverage from FleetGuard USA, you’ll have the protection, compliance, and confidence to keep hauling perishable goods profitably.
Who Needs Refrigeration Breakdown Coverage?
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Owner-Operators hauling refrigerated freight like produce, meat, seafood, or pharmaceuticals.
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Fleet Owners running reefer trailers across multiple routes.
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Contract Carriers seeking to win higher-paying loads that require proof of reefer protection.
What Does It Cover?
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Spoilage of cargo caused by reefer unit failure
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Perishable goods ruined due to power loss during transit
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Financial losses for shippers and brokers, reducing liability disputes
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Optional higher limits for specialized or high-value loads
Note: Coverage typically excludes poor maintenance or driver negligence. FleetGuard USA helps you understand exclusions and build coverage that fits your operation.
Why Choose FleetGuard USA?
Not all agencies understand the complexities of reefer operations. At FleetGuard USA, we specialize in insurance for haulers, offering:
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Trucking-Specific Expertise – Tailored policies that address reefer-specific risks.
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Access to Multiple Carriers – Competitive rates with flexible coverage options.
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Fast Certificates – Get proof of coverage quickly to book loads.
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Compliance Support – Guidance to meet broker and shipper requirements without overpaying.
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
© 2025 FleetGuard USA. All rights reserved.
Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements.
Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
