# Motor Truck Cargo & Reefer

Motor Truck Cargo insurance covers freight while it is in transit. It protects the company against loss or damage caused by theft, accidents, spoilage, or equipment failure during transportation.

If the policy includes **Reefer Breakdown**, it also protects against temperature-related cargo damage for refrigerated loads.

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### What It Covers

* **Freight Damage** – Caused by collisions, shifting, or improper handling
* **Theft or Loss** – Stolen or missing cargo during transport
* **Reefer Breakdown** – Spoilage due to refrigeration failure (optional but recommended)

> 🧊 Reefer Breakdown coverage must be explicitly included in the policy if hauling temperature-sensitive freight.

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### When It’s Required

* For any carrier transporting freight under a bill of lading (FTL/LTL)
* Mandatory if your company moves refrigerated or frozen cargo
* Required by most brokers, shippers, and customers for cargo protection

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### Required Fields

When adding or editing this policy, the following fields must be completed:

* **Policy Type**: Pre-selected as *Motor Truck Cargo*
* **Policy Number**
* **Insurance Provider**
* **Coverage Limit** (in USD)
* **Start Date**
* **Expiration Date**
* **Provider Rating** (A–F scale)
* **Reefer Breakdown Included**: Checkbox toggle
* **Certificate Upload** (PDF or image)

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### Visual Cues

* ✅ **Active**: Displayed with green tag and expiration info
* ⚠️ **Expired**: Shown in red and disables cargo dispatch
* 🧊 **Reefer**: Reefer coverage is tagged separately if included

\
\&#xNAN;*Figure: Tag styles for active cargo insurance and reefer inclusion.*

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### Add/Edit Policy Modal

* Reefer checkbox appears only if "Cargo" type is selected
* Required fields trigger inline validation
* Document upload required for reefer-protected freight

\
\&#xNAN;*Figure: Motor Truck Cargo modal with Reefer Breakdown option.*

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### Notes

* Policies without Reefer Breakdown cannot be used for reefer loads
* One active cargo policy is required to dispatch loads with cargo assigned
* Reefer tag visibility helps brokers verify compliance on refrigerated freight

> ✅ Tip: Always confirm that reefer units have current breakdown coverage before dispatching temperature-controlled freight.


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