For truckers hauling perishable cargo in California, reefer breakdown coverage goes hand-in-hand with motor truck cargo insurance. In the event your refrigerated trailer breaks down, spoiling its perishable freight, reefer coverage pays to the ruined merchandise. It covers the decline when mechanical issues or accidents induce refrigeration failure. One example https://www.amazon.com.au/gp/product/B0D4MRHZL9