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Commercial Auto & Trucking
Reefer Breakdown
Also known as: refrigeration breakdown
Cargo coverage extension that pays for spoiled refrigerated freight when the refrigeration unit fails.
Standard motor truck cargo coverage typically excludes spoilage caused by refrigeration equipment failure. Reefer breakdown is an endorsement that adds this protection — covering produce, meat, frozen goods, and pharmaceuticals that spoil because the reefer unit broke down en route. Coverage often requires maintenance records and continuous-running for high-value loads.
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