Different types of cargo—grain, lumber, dairy, produce, steel, hazmat, sand and gravel, etc. —each possess different risks. Your transportation insurance broker should understand exactly what you are hauling and offer a broad form Motor Truck Cargo to cover you when necessary. If you don’t have a broad form cargo policy, you should know exactly what loss scenarios are not covered. Reefer Breakdown coverage is also required if you are transporting fresh food, meats, dairy, etc. with a refrigerated truck and/or trailer.