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Refrigerated trucks are a large capital investment for any company. These trucks generate great returns however, since they enable your company to offer chilled goods and cargo regularly, over vast distances. Refrigerated trucks may be used by meat packing plants, retail food warehouses and even catering companies or bakeries in smaller forms.

Being able to transport goods without having it go bad before it reaches its destination is a key reason for using refrigerated trucks in your business. When these trucks are involved in auto accidents however, or are damaged by other forces, your company can suffer from severe financial losses. Protect the truck to the fullest extent by making sure your company carries the right types of commercial auto insurance coverage. Here are the primary types of insurance you’ll need for your refrigerated trucks:

Liability InsuranceLiability insurance protects you from having to pay other people’s bills when your truck is the cause of an auto accident. Liability is generally required by law in most states, and you cannot get certain types of truck licenses and permits without first having this coverage. Liability protects other people. If the driver of your refrigerated truck causes an auto accident, your liability insurance will take care of the bills in two specific areas:

Medical PaymentsMedical payments insurance is a way for your company to fully protect the driver of your refrigerated truck and any passengers she has on board at the time of an accident. Medical payments coverage benefits apply to any accident despite who may have caused the accident. It pays hospital, doctor and similar medical bills of anyone who was travelling in your truck at the time of the accident. Medical payments coverage is not available in all areas. Contact one of our licensed representatives and we’ll help you determine its availability to and appropriateness for your company.

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Physical Damage InsuranceThis commercial insurance coverage protects your company from losses to your truck itself. If your refrigerated truck is damaged in some way, your physical damages insurance can pay for the cost of repairing it. This insurance is particularly important for refrigerated trucks because even minor repairs can be quite expensive. If your truck is leased or is still being paid off, this insurance will provide it with the most coverage protection.

Uninsured or Underinsured Motorist - Uninsured and underinsured motorist insurance protects you from having to pay the bills when another person is at fault for an accident. If the driver at fault does not carry insurance, there is no one to pay the repair bills on your truck except for you. If the driver carries insurance it may not be enough coverage to fully pay for the damages they cause to your truck in an accident. In this case the driver is underinsured and your company will find itself having to pay for some of the repairs as well.

When you carry uninsured and underinsured motorist coverage however, you will not have to pay for the repair bills. Instead, your commercial insurance policy will pay for them. This insurance acts very much like your standard liability coverage, except that it pays for repairs and replacements to your refrigerated truck instead of to the other vehicles involved in the accident.

Other Important Commercial Auto Insurance you need for a refrigerated truck includes:


Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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