You have "reefer breakdown coverage" right? if your tractor has engine problems and your load of tomato's gets to the shipper 2 days late and are over ripe, they are covered right? PROBABLY NOT! In most cargo policies sold today there is an exclusion of coverage that carriers often miss, the wording will be along the lines of: This Policy does not apply to any liability resulting from: - Delay, loss of use, loss of market. The word to focus on is DELAY. Carriers must realize