Can your technician repair the walk-in before tonight?
Insurance that helps you say yes to the next refrigeration call.
Prefer to talk? Call +1 802-GOT-RIZA
Meet restaurant and facility requirements before work starts.
Add technicians, vans, recovery equipment, and parts as the business grows.
Show service, installation, refrigerants, controls, and emergency response in one clear review.
Restaurant operator requests insurance evidence for multi-location refrigeration service contract. Riza reviews the operation and requirements, then confirms the commercial refrigeration business can move forward.
When refrigeration stops, inventory and revenue are already at risk. Insurance should help you respond.
Add the call. Dispatch the technician. Keep vehicles, refrigerants, recovery gear, parts, and customer systems moving.
01Contract requirementLiability limits and endorsementsMapped
02Operational changeNew technician, van, and recovery equipmentAdded
03Job accessCertificate packageReady
Get cleared for the customer’s facility.
Organize limits, certificates, vendor requirements, and after-hours access before service begins.
Show the system and refrigerant.
Small appliances, walk-ins, racks, ammonia, CO2, process cooling, controls, and installation can change carrier fit.
Protect more than the machine.
Build around customer stock, downtime, refrigerants, technicians, vehicles, parts, and completed work.
Coverage built around your refrigeration work.
Coverage fit
Built for urgent calls where product is already at risk.
Common details that shape the quote:
- Restaurant, retail, hospitality, and cold-storage mix
- System sizes, refrigerants, and controls
- Emergency response, vehicles, parts, and tools
Service and repairCover what keeps your refrigeration business moving.
Customer inventory, refrigerants, technicians, service vehicles, recovery equipment, parts, and completed systems create different insurance needs.
Protect the customer around the system.
Help protect the business from covered injury, property damage, and completed-work claims arising from eligible commercial refrigeration operations.
Explore general liability →
Protect technicians working around pressure, electricity, and refrigerants.
Support state requirements and benefits for covered employee injuries as field and service payroll grows.
Explore workers’ comp →
Keep emergency refrigeration service moving.
Help protect eligible work vehicles and drivers carrying people, parts, tools, and equipment between customer locations.
Explore commercial auto →
Protect recovery, vacuum, and diagnostic equipment.
Help protect eligible tools, diagnostic instruments, and mobile equipment between the shop, vehicles, and jobsites.
Explore tools and equipment →Need more than the core policies? Add pollution, professional, property, umbrella and excess, installation, equipment breakdown, and other available coverage to the same review.
Explore all coverageAlready insured?
A better renewal starts with the policy you already have.
Send it once. We’ll compare it with today’s systems, refrigerants, technicians, vehicles, recovery equipment, projects, and available options.
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Illustrative example. Availability, eligibility, pricing, coverage, and terms depend on carrier underwriting and the policy.
Your questions, answered.
What you may want to know before you buy or switch.
What insurance does a commercial refrigeration contractor usually need?
Commercial refrigeration contractors often consider general liability, workers’ compensation, commercial auto, and tools and equipment coverage. Property, business income, umbrella or excess, pollution, professional, cyber, installation, or other coverage may also matter depending on the operation and carrier eligibility.
Why do refrigerant type and system size matter?
Small restaurant systems, supermarket racks, cold storage, process cooling, ammonia, and CO2 can present very different pressure, toxicity, environmental, machinery, and business-interruption exposures. System size, charge, refrigerant, and emergency controls should be described accurately.
Can Riza review my current a commercial refrigeration contractor insurance before renewal?
Yes. Send the current policies, loss runs, vehicle and driver information, payroll, revenue, system types and sizes, refrigerants, service and installation mix, technicians, vehicles, equipment, and customer types, and representative contract requirements. Riza can organize the submission and compare available options.
What affects the price of a commercial refrigeration contractor insurance?
Carrier pricing can reflect refrigerants, system size, ammonia or CO2, industrial work, emergency response, hot work, revenue, payroll, vehicles, equipment, and loss history, locations, states, limits, deductibles, and loss history. Carrier appetite and the complete policy structure also affect the available options.
Ready for
the next job?
Tell us about your commercial refrigeration business or send your current policy. We’ll help organize the next step.
Prefer to talk? Call +1 802-GOT-RIZAMon-Sun, 8am-8pm ET