Insurance for Temperature-controlled Trailers

Whether you’re keeping flowers cool and fresh or preserving paint at room temperature, hauling perishable or delicate goods calls for a reliable reefer. Insurance for temperature-controlled trailers needs to cover a range of scenarios that could threaten your cargo and disrupt your work.

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What kind of coverage do temperature-controlled trailers need?

While spoilage is a top concern, it’s not your only risk. Many types of perishable goods are big targets for cargo theft, from fruit to meat. You also have shortages in capacity, the threat of temperature variance, and the vulnerabilities of telematics technology to consider.

When there’s a lot to monitor, there can be more room for mistakes – and more to consider when it comes to insurance coverage. We’ve developed a policy tailored to reefers and temperature-controlled trailers, including features like:

  • Commercial Automobile Coverage
  • Cargo Insurance
  • Commercial General Liability
  • Warehousemen’s Legal Liability
  • Property Insurance

Need more? No problem.

We have other handy coverages for trailer operators, like our Select Endorsement: this extends coverage to include your operations as a freight forwarder or load broker.

When you deal with shipping contracts, you’ll welcome the features of this coverage, including Declared Value of Cargo, Brands and Labels, and Control of Salvage. Your broker can walk you through all the advantages of Select Endorsement!

When can temperature-controlled trailer insurance come to your rescue?

Keeping a stable temperature can be more difficult than it seems. Just a few degrees too cold or too warm could jeopardize a fruit shipment, and delicate products like paint are both flammable and vulnerable to freezing conditions. But temperature control is only one challenge your fleet could face.

Your insurance should be broad enough to respond in a range of situations that could arise between point A and point B, but also deep enough to ease the costly burden of a covered loss. Here are a few scenarios where specific features can come into play.

Cargo Insurance

When things go bad, you need a safety net

Spoilage can be a major concern, and sometimes a simple mistake can turn into a major loss. If, for instance, an employee mixed up Fahrenheit and Celsius when setting the temperature on the reefer, you may find your load of chicken is ruined when it arrives at its destination.

Human error is part of life, and when it affects your cargo, you could get help from your carrier’s cargo liability policy. Cargo insurance is designed to help cover the cost of lost or damaged third-party cargo while it’s in your possession.

Automobile Insurance

Thieves can leave you in the lurch

Cargo theft is on the rise, and thieves are getting greedier: not only are they targeting big, high-value loads, but now some are stealing the truck itself, dismantling it, and profiting off the parts.

When you lose your truck and trailer to crafty criminals, you’ll look to auto insurance for help – but personal auto coverage won’t cut it. You’ll count on your commercial auto coverage to help with the costly consequences of the cargo, trailer, and vehicle loss.

Commercial General Liability

Beware of hazards on your lot

You’re aware of risks on the road, but keep in mind you can be held responsible for incidents on your lot or in your warehouse, too. If a visitor was to slip and fall on a slab of ice or perhaps a slick of oil, they could injure themselves badly – and blame you for the incident.

Commercial general liability (CGL) coverage is crucial for any carrier to have, considering how one small incident could bring expensive consequences. If a customer or other visitor brought a lawsuit against your company for an injury or property damage that occurred on your worksite, your CGL coverage could help with the costs of the legal proceedings.

Assistance at every step of the way

On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist services for extra peace of mind.

Legal Assist

Legal Assist

Need legal advice? You have unlimited telephone access to legal guidance and insight on a wide variety of legal topics related to your business – no question is too small!

Trauma Assist

Trauma Assist

Losses can bring extreme emotional fallout, so we offer access to confidential 24-hour counselling to help our customers, their employees, and their family members cope.

Risk Management Assist

Risk Management Assist

Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.

Cyber Assist

Cyber Assist

We’ve partnered with CyberScout to offer consultation on data and cyber risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach.

Learn more about how and when our Assist services can come to your rescue!

Commercial Truck Filings

Proving that you have enough liability insurance to meet all federal requirements isn’t an option – it’s a necessity. That’s why we help complete and expedite federal filings for our customers who do business in the U.S.

Plans change, and last-minute arrangements can be stressful. When you’re short on time, we can get things moving right away, arranging your financial proof of responsibility quickly so you can stay on track without risking a penalty when you cross the border.

Managing Risk

We know that risk differs across industries. We also know that your temperature-controlled trailer fleet is unique, and the challenges you face deserve careful consideration and a personalized approach. Insurance plays an important role, but it’s not everything – you can lean on our industry expertise, library of focused resources, and confident guidance to take your protection and loss prevention to the next level.

Our Risk Services specialists

Our Risk Services specialists

The Northbridge Risk Services team is the most experienced in the transportation industry. Our goal is to share with you the tools and resources that will help you identify risks along with opportunities that can add greater value and help improve your bottom line.

Each year, our team conducts over 5,000 risk assessments and service calls for Canadian businesses. We’re committed to serving our customers onsite and offsite, applying our expertise wherever – and whenever – it may be needed.



Risk consulting and advisory is at the heart of our service. Ongoing industry-specific consultations, Collision Trend Analysis, and hazard analysis add significant value to the insurance programs tailored to customers in the transportation industry.

Our High Risk Driver Program delivers tangible benefits like reduced violations, increased intervention options for high-risk driver management, and the ability to recognize opportunities to change unsafe behaviours.

What happens during a risk assessment? Take a look at what you can expect.



Northbridge offers a number of specialized training courses and programs, from customized Safety Manager Workshops to defensive driving and safety seminars, like our FACTS driving programs.

The Northbridge Risk Services training center has something for every fleet. Connect with our Risk Services consultants for more information about our training offerings.

Education and resources

Education and resources

We know hands-on help is important, but we also want to give our customers the tools they need to help themselves from the very start.

Our library of Risk Insights, along with safety management guides and forms, outline industry best practices and provide safety tips to help you better manage and control risk across your operation.

Are you ready to set up a comprehensive insurance policy for your temperature-controlled trailer transport business?

Get a quote now!

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