Reefer breakdown coverage
Standard motor truck cargo forms often exclude spoilage caused by mechanical breakdown of the refrigeration unit. Reefer breakdown coverage is usually added by endorsement and may require maintenance records or a minimum age for the unit. Read the conditions carefully.
Records that support a claim
- Temperature download for each load
- Pre-trip reefer unit checks
- Bills of lading noting set temperatures
- Maintenance logs for the unit
Frequently asked questions
Does cargo coverage pay if a load is rejected?
Only if the rejection results from a covered cause, and terms vary widely. Ask how each insurer handles rejected loads.