Coverage for General Freight and Temperature-Controlled Hauling
Dry Van and Reefer Insurance
Dry van and refrigerated carriers transport everything from consumer goods and packaged foods to pharmaceuticals and other temperature-sensitive cargo. The Truckers Insurance helps these operations evaluate coverage based on their freight, equipment, temperature-control exposures, routes, and contractual requirements.
Purpose-Built Coverage for Freight Carriers
We offer comprehensive protection for carriers involved in:
General freight and contract shipping
Temperature-sensitive food and beverages
Pharmaceuticals and medical supplies
Packaged goods, palletized cargo, and e-commerce freight
Grocery distribution and cold chain logistics
Our custom coverage includes:
Auto Liability – FMCSA-Compliant with Optional $1.5M CSL Limit for New Jersey-based Motor Carriers
Physical Damage – for tractors and 53’ trailers, including drop/trailer interchange
Motor Truck Cargo Insurance – with options for:
Reefer breakdown and spoilage
Load rejection protection
Theft, water, and in-transit damage
General Liability – covering loading docks, warehouses, and parking exposure
Drop and Hood/Trailer Interchange Coverage – for non-owned units or shipper-provided trailers
Workers’ Compensation – class-coded for CDL drivers and logistics support staff
Equipment Floater – for APUs, lift gates, pallet jacks, and in-cab systems
We write most policies through A+ rated carriers familiar with FMCSA guidelines and shipper contract requirements.
Reefer-Specific Risk Management
Reefer haulers face increased exposure due to spoilage, temperature control failure, and load rejections. The Truckers Insurance supports you with:
Reefer unit breakdown coverage due to mechanical or operator error
Claims guidance on rejected loads and salvage procedures
Certificate customization to meet grocer, pharma, and cold chain requirements
Seasonal adjustment options for produce or holiday-volume carriers
