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General freight fleets

Dry van and reefer fleet insurance

The short answer

Dry van and reefer fleets typically need auto liability (usually $1M, often with excess), motor truck cargo with reefer breakdown for temperature-controlled loads, physical damage and trailer interchange. Long-haul miles and HOS exposure make CSA scores and ELD discipline especially important to underwriters.

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Key risks for general freight fleets

  • High annual miles and multi-state exposure, including high-litigation states
  • Hours-of-service pressure on long runs
  • Cargo theft at truck stops and drop yards
  • Reefer unit failures and temperature claims
  • Rear-end collisions from following too close

Where we help

For general freight fleets we focus on the Unsafe Driving and HOS BASICs, ELD exception reporting, camera programs that win CPDP reviews, and cargo theft prevention. Then we take that story to market at renewal.

Last updated November 10, 2026. Reviewed by a licensed insurance professional at Haul Good Insurance.

Frequently asked questions

Do reefer fleets need special cargo coverage?

Yes. Standard cargo policies often exclude spoilage from refrigeration breakdown, so reefer fleets add reefer breakdown coverage.

What limits do dry van fleets usually carry?

Most carry $1M auto liability and $100,000 or more in cargo, with excess liability as the fleet grows.

Get a free fleet insurance and CSA review.

For carriers with 5+ power units. Tell us about your fleet; it takes about three minutes.

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