For truckers hauling perishable cargo in California, reefer breakdown coverage goes hand-in-hand with motor truck cargo insurance. In case your refrigerated trailer breaks down, spoiling its perishable freight, reefer protection pays for the destroyed merchandise. It covers the loss when mechanical issues or incidents result in refrigeration failure. For example, https://digitalasset.blob.core.windows.net/digitalassets/socaltruckins/Commercial-Truck-Insurance-California.html