Editorial Policy
HaulCover uses cautious language, avoids sales claims, and separates general education from official requirements.
Editorial boundaries
HaulCover does not publish insurer rankings, cost comparisons, quote-incentive content, or claims that a specific coverage amount guarantees compliance. Pages involving FMCSA filings, MCS-90, BMC forms, or state-specific requirements must reference source registry entries that support each regulatory claim.
The site does not recommend a specific insurer, agency, policy form, deductible level, or filing strategy. The goal is to help readers recognize which questions to ask a licensed professional and where official sources should be consulted—not to substitute for that consultation.
Prohibited content
The following types of content are not published on HaulCover: insurance company star ratings or rankings; statements that a carrier will or will not qualify for coverage; promises about premium ranges, savings, or availability; referral links or affiliate arrangements with insurers or agencies; legal advice or interpretations of specific policy language; and claim outcome predictions.
Pages should not present general educational content as a compliance checklist. A carrier reading that a filing threshold is typically a certain amount still needs to confirm that figure with FMCSA, a licensed agent, or a filing service—the page should say so.
Language standards
When requirements vary by state, operation type, vehicle class, cargo, or authority status, pages state this directly. Absolute wording—must, always, required in every state—is reserved for statements clearly tied to a specific official source and a narrow, well-defined context.
Numbers and thresholds cited on coverage pages are linked to the regulatory or official source where the figure appears. If a threshold is subject to change or varies by operation, the page notes this rather than stating the number as permanent. Dates are referenced as of the source version consulted, not as permanently current.
Urgency language—phrasing that pressures a reader to obtain coverage immediately, submit personal information, or contact a provider through the site—is not used. Pages may note that coverage lapses carry real consequences, but that observation should come with a pointer to the licensed professional or regulator who can advise on next steps.
Review priorities
Regulatory pages, state filing pages, certificate pages, and MCS-90 or BMC form pages receive the most conservative editorial treatment. If a source is unclear, incomplete, or contradicted by another official source, the page narrows the claim, notes the uncertainty, or tells the reader what to verify rather than resolving the ambiguity editorially.
Pages flagged by the automated audit system—for thin source coverage, broken links, or content similarity overlap—are reviewed before any further changes are published to the affected section. Correction requests from readers are treated as the highest-priority review trigger.