GlossaryEN1 min readUpdated: Jun 24, 2026
Goods in Transit Reefer Insurance
Reefer cargo insurance covers the specific risk that a standard cargo policy typically excludes: cold-chain disruption causing spoilage of temperature-sensitive goods.
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Source: https://www.marsh.com/uk/services/logistics-and-marine-cargo-insurance.html
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Definition & Explanation
Reefer cargo insurance covers the specific risk that a standard cargo policy typically excludes: cold-chain disruption causing spoilage of temperature-sensitive goods. As a specialized marine cargo cover, it applies to frozen seafood, fresh produce, meat, and temperature-sensitive pharmaceuticals transported in refrigerated containers. The policy responds to refrigeration unit failure at sea, temperature excursions during port handling, and documented quality deterioration through to final discharge. Continuous data logger records are the evidentiary backbone of any claim; gaps in the temperature log remain one of the most common grounds for partial or full denial of coverage. Shippers arrange this cover as part of their broader cargo insurance programme, transferring financial exposure from a spoiled consignment to the insurer at a premium calculated on cargo value and route risk.
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