I am not currently driving, so I couldn’t speak to whether these things are actively changing. I’ve been off the road for about a year now, and have little desire to drive again. I would happily work within the trucking industry to help resolve the issues, though.
I’m not sure what you mean about supplemental insurance, and without more information on the program I couldn’t speak to whether it would address anything. On the surface, it doesn’t sound like something that will be too effective, but I may be thinking along different lines than you.
It’s probably important to note that the majority of my experience is with large companies, and these may be less of an issue for smaller companies that tend to be more hawkish with operations due to scale. Or, it could be even more of a problem, due to scale and less clout with companies you work with. I can’t say for sure without the experience. I’d be very happy to offer any help I can.