A thermal insulated composite wall panel for use in insulated trailers, containers and insulated compartments, including a first liner panel, a second liner panel having a layer of fibers and at least one structural polymer resin layer disposed coplanar to and bonded with the layer of fibers, thereby forming a laminate liner panel, and an insulated core layer disposed intermediate to and bonded with the first and the second liner panels. The layer of fibers is adjacent the insulated core layer and is lofted prior to being bonded to the insulated core layer.