Commercial Auto Refrigeration Insurance Coverage from Cochrane & Company
Do you place trucking clients that haul temperature-sensitive freight and need refrigeration-specific protection? Cochrane & Company, a Managing General Agency with deep transportation expertise, offers access to multiple markets for Commercial Auto Refrigeration Insurance Coverage. Our markets remain active in a space where many carriers have pulled back, and we place business with A.M. Best A+ rated carriers when available.
Overview
This program helps agents place refrigerated trucking accounts that require coverage for cargo spoilage and refrigeration breakdowns, in addition to standard auto and liability protections. We focus on established operators who can demonstrate consistent equipment maintenance and operational controls.
Ideal Accounts and Appetite
We write commercial auto risks that transport refrigerated goods — produce, dairy, frozen foods and other temperature-sensitive loads. Target accounts include owner-operators and small to mid-size fleets with a documented maintenance program. Spoilage coverage is not available to brand-new ventures.
Example accounts that often fit the program:
- A regional produce distributor with a small fleet of temperature-controlled trucks and routine maintenance logs.
- An established frozen-food logistics company that moves long-haul loads across the western U.S. and can provide service history for reefers.
Coverage Highlights and Advantages
Markets available through Cochrane & Company can provide a combination of coverages designed for refrigerated transportation, including:
- Cargo insurance for temperature-sensitive goods
- Commercial auto liability
- Physical damage for power units and reefers
- Truckers general liability (GL)
- Refrigeration breakdown coverage
- Broadened reefer breakdown wording — available in select states
Spoilage coverage is available upon request but requires documentation of maintenance and is not offered to new ventures. Our carriers expect proof of regular servicing and detailed loss-control practices when a spoilage or breakdown claim occurs.
Underwriting Notes and Minimum Premiums
Underwriting is focused on well-documented, experienced risks. Agents should be prepared to submit:
- Refrigeration equipment maintenance and service records
- Driver and operational history
- Loss runs and cargo handling procedures
Minimum premiums vary by market, state, and account complexity. Provide complete documentation up front to improve placement options and pricing accuracy.
Territories and Availability
This program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Coverages are placed with a mix of admitted and non-admitted carriers depending on the state and the specific carrier appetite.
Why Work With Cochrane & Company
As a specialized MGA, Cochrane & Company brings decades of experience placing specialty transportation risks. We maintain relationships with markets willing to write refrigeration breakdown exposures and work directly with agents to structure appropriate coverage. Our regional expertise, market access, and focus on documented, well-managed accounts make us a reliable partner for placing hard-to-place refrigerated trucking risks.
For more information about Commercial Auto Refrigeration Insurance Coverage or to discuss a submission, contact us.