Reefer insurance
Temperature-controlled freight. Standard cargo cover usually won't pay for spoilage, so reefer breakdown is added on.
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Where reefer claims come from
Unit failure
A refrigeration unit that stops mid-route can spoil a whole load of produce, meat, or pharmaceuticals in hours.
Temperature disputes
Receivers reject loads over a few degrees. Unit downloads and temperature logs decide who pays.
High-value loads
Proteins and pharmaceuticals can push a single load past a $100,000 cargo limit.
Usually on the policy
What underwriters ask
- Reefer unit age and maintenance records
- Commodities (produce, meat, pharma)
- Whether you can download temperature records
- Cargo loss history
Common questions
Does reefer breakdown cover running out of fuel?
Usually not. Most policies exclude spoilage from running out of fuel or setting the wrong temperature. It covers sudden mechanical failure of the unit.
Do I need records to file a reefer claim?
Yes, in practice. Keep unit download data and maintenance receipts. Without them, spoilage claims are hard to prove.