Refrigeration TrucksIf you own a food delivery service or transport temperature-sensitive goods from one location to the next, your commercial auto insurance needs to reflect the risks you face should your truck's cooling system fail. All delivery trucks and other refrigerated truck operators face this potential risk regularly, and if it happens to you, your inventory could be irreparably damaged. However, the right commercial auto insurance can help to minimize financial losses in these situations.

What Does Spoilage Coverage Offer?

When considering commercial auto insurance policies, pay close attention to the details of the plan. Your policy should offer spoilage coverage — which is essential for those who carry any type of goods that need to be in a temperature controlled delivery system at all times. Spoilage insurance can help you to recoup the losses associated with accidental and unexpected breakdowns of your mechanical systems. Do note that spoilage coverage does not provide help in situations where normal wear and tear cause the breakdown or incidents that result from poor maintenance.

That said, the incident is a covered, this type of business insurance may help with the costs associated with replacing the lost inventory. Of course, you should provide information about the cost of what you are transporting as well as why the breakdown occurred. For many businesses that maintain a high level of inventory for delivery or transport from one area to the next, this type of spoilage coverage can be valuable —as it is otherwise impossible to minimize the financial impact of a breakdown.

If you do not have sufficient commercial auto insurance, now is the time to update your existing policy to better reflect your needs. Keep in mind that all types of businesses operating refrigeration trucks — or any other trucks used to keep inventory at a proper temperature — should consider this investment. This protection can't always be found on average policies, though. Check to see if it's listed on your business insurance policy and be sure the coverage amount represents at least the amount of value you transport on any given day.

Protect your cargo on the road. Call Integrity Network Insurance Group, LLC at (512) 989-6006 for a commercial auto insurance quote.
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