The reefer exclusion is not on the certificate

A COI is a snapshot. It is not the policy. Temperature-change exclusions are ordinary on motor truck cargo. Reefer breakdown endorsements are not.

Carriers who can see the gap can fix it — a different unit, a different endorsement, a different book. Brokers who can see it stop the Tuesday that becomes a claim.

Husky does not sell insurance. It makes the documents you already carry readable against this load.