Trucker’s cargo liability insurance (discussed in a separate article) does not always include coverage for perishable goods damaged or destroyed by a breakdown of the refrigeration unit.  For this reason, if you have a refrigeration unit and haul such goods, check your cargo liability policy carefully and discuss with your broker; if this policy does not include reefer coverage you must buy it separately.

A typical limit, the maximum amount the insurer will pay, might be $250,000, though policies vary.  The amount of coverage you want will also vary from load to load — if you are carrying especially valuable goods, you might want to increase your limits.

• One-time increased limits can be arranged.  Call your broker prior to taking delivery of the goods and arrange for higher limits for that particular load.
• Shipper-required limits: some shippers, especially those who deal in expensive goods, will have a minimum requirement for you to have on your cargo coverage.  Again, a one-time limit can be arranged if necessary.