Commercial Package Coverage Includes:
Wholesalers & Distributors of perishable goods face a significant amount of risks.
As with all commercial trucking operations, there is a high risk of being involved in an accident resulting in serious injury, fatality, or property damage.
However, unique to fresh food and produce distribution operations, one of the greatest concerns is the risk of a breakdown in transit - resulting in the spoilage of perishable cargo!
Reefer Trucks are essential for delivering temperature-sensitive products and require special insurance planning to ensure coverage of third-party bodily injury, property damage, and replacement of spoiled stock resulting from a reefer breakdown.
Additionally, many Reefer Trucks are fitted with custom refrigeration systems that are installed/added to the vehicle after the trucks have been purchased. Did you know that most commercial auto policies DO NOT cover these modifications made to the vehicle?
It's extremely important to choose an insurance broker who is familiar with the challenges of hauling refrigerated cargo - having the wrong insurance can leave you stranded with a truckload of spoiled goods.
Our commercial package insurance programs are highly competitive when considering price and compliance.
General Liability
Products Liability
Commercial Automobile Liability
Refrigerated Auto Modifications
Commercial Umbrella Coverage
Food Spoilage
Business Income
Commercial Property
Worker’s Compensation
Disability Benefits Law
* Our programs also include Worker’s Compensation & NY/NJ Disability Benefits Law
With Over 70 Years Insuring Wholesale Operations SCS Agency Provides Its Clients With Invaluable Services,
- Comprehensive and Competitively Priced Insurance Programs
- Dedicated Certificates Department
- Dedicated Certificates Department
- Proactive Claims Management
- Motor Vehicle Report Background Checks
- Fleet Management & Safety Programs & Manuals
- Premium Financing
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Together
Let's Work Together
Our mission is to go beyond the traditional Insurance brokerage model, where most brokers only deal with direct loss using insurance products to transfer risk.
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Proudly serving Lake Success, NY, New York, NY, Brooklyn, NY, Tri-State Area, NY, Nassau County, NY, Fairfield County, CT, and beyond. Licensed in over 20 states.
At SCS, we have the capacity to service large national companies as well as family-owned local businesses - all using the same consultative platform.