Reliable Coverage for General Freight & Temperature-Controlled Hauling
Dry Van and Reefer Insurance
Dry vans and refrigerated trucks (reefers) are the backbone of regional and long-haul freight in the U.S. Whether you're hauling consumer goods, packaged food, pharmaceuticals, or time-sensitive cargo, your operation depends on reliable coverage that safeguards your load, your schedule, and your bottom line.
At The Truckers Insurance, we provide tailored insurance programs for dry van and reefer fleets — built to support your growth, maintain compliance, and keep your trucks on the road.
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
Coverage for Growing Fleets
Whether you're operating a 5–9 truck regional dry van fleet or managing 10+ power units with mixed reefer and dry freight, we scale your insurance program to fit your:
Cargo type and value
Shipper requirements
Routing and geographic exposure
On-time performance metrics
