One thing I also advise guys to do when getting insurance is to find out about the insurance carrier's average time frame for payment. An auto accident, when it is pretty clear who is at fault will result in a quick check, but something like theft or fire will usually have a prolonged time frame for payment, usually the policy holder will be waiting close to 30 days for payment. Most small LCO's do not have the capital or credit to go out and get all new equipment while they are waiting for the insurance check, if they loose all their equipment, truck & trailer, and they can't work for 30 days, there is a good chance they will loose many customers.
A very easy way to avoid this is to be sure the inland marine policy covers rental while waiting for payment. Also check the time frame on the insurance, how long do you have to wait to get a check for the insurance? will insurance carrier pay directly or reimburse you? how long will they allow you to keep the rentals after they cut you the check for the loss? Some insurance companies will continue the rental coverage for a period after cutting the check for the loss. This gives you time to order the equipment after you get the check.
Why do people not respect us as they do other tradesmen? Because every Tom, Dick, and Harry doesn't think he can be a plumber or electrician!