Companies specializing in the transport of refrigerated goods face unique challenges in acquiring insurance given the perishable nature of the commodities being hauled and the specialized refrigeration equipment used in trucks to prevent food spoilage.

Gold River Insurance Reefer Truck Insurance program covers refrigerated trucks which haul fruits, vegetables, dairy products, seafood, and other perishable foods on a consistent basis. One of the chief considerations of a comprehensive reefer truck insurance policy is full coverage of refrigerated cargo as this is one of the few classifications of cargo which can potentially spoil during transportation. Companies specializing in the transport of refrigerated goods often use trucks with refrigerated trailers which may need specialty insurance of their own.