Unfortunately, insurance companies will only act in their own best interests, not as gatekeepers or policemen for our industry. That’s not intended as a knock against insurers, it is the way it should be for a private company. Their main focus should be on returning a healthy profit for their shareholders. If that is done by restricting the flow of poorly run trucking companies, great, but if the market can bear a few bad apples in the mix, then they will allow it. Remember, insurance is completely numbers driven. Their offices are made up of floor after floor of hard working actuaries, sifting through every possible scenario and acceptable level of risk. It has been my experience, albeit limited, that when dealing with government, they are more likely to respond when confronted by large, united voices, as opposed to small groups of concerned citizens. This is where industry associations can be effective in keeping governments informed of what is happening in their industry and lobbying for necessary changes in regulation. Say what you will about provincial trucking associations, they do serve a purpose and have been effective in the past. Perhaps greater participation would even increase their effectiveness.