We insure a trucking company whose fleet consists of several trucks with refrigeration equipment. The client specializes in transporting food items that need refrigeration.

We insure his company under both commercial auto and motor truck cargo policies. The motor truck cargo policy includes coverage for damage to goods caused by mechanical breakdown of the refrigeration equipment.

Recently one of the drivers delivered his shipment to the appropriate customer. However, the person at that location did not — for whatever reason — accept the shipment. So, the driver returned the truck to the terminal.