Insurance

By Ray “Show Me the Contract” Kowalski | HaulSmarterHQ Editorial | Published June 2026 · Insurance · 8 min read Most owner-operators approach insurance comparison the wrong way. They start with price. They call three brokers, collect three quotes, and pick the lowest number. Then they find out what that number actually covered when something…

Most operators renew their insurance on price alone. Before you sign for another year, review the four coverages, the exclusions that apply to your freight, and the questions to put to your broker.

By Ray Kowalski / HaulSmarterHQ Editorial / Published June 17, 2026 · Insurance · 9 min read The most expensive words in this business are: “I thought we were covered.” I have watched operators sign a policy, file it in the glovebox, and never read a single page of it until the day they needed…