Who we insure
New authority insurance
Starting your own trucking company? We insure first-year authorities and handle the filings that get your MC active.
Getting your authority active
Your MC isn't active until the FMCSA has your insurance on file. Here's the usual order, and where we come in.
| Step | What happens | Who handles it |
|---|---|---|
| 1 | Form your business (LLC or corporation) | Our permit team |
| 2 | Apply for your USDOT number and MC authority | Our permit team |
| 3 | Designate a process agent (BOC-3) | You, with a process agent company |
| 4 | Bind liability and file your BMC-91X with the FMCSA | Our agents |
| 5 | Register for UCR, IRP plates and IFTA | Our permit team (IRP, IFTA) |
| 6 | Pass your new entrant safety audit in your first 12 months | You. Keep driver files, logs and maintenance records ready. |
What new ventures should expect
New authorities pay more than established carriers, because there's no loss history to price from. Rates usually improve at renewal if you keep claims and inspections clean. Ways to start in a better position:
- Hire drivers with at least two years of verifiable CDL experience
- Keep your radius and commodities consistent with what you told your agent
- Install dashcams and ELDs from day one
- Pay attention to your CSA scores and inspection results
Common questions
Can I get insurance before my MC is active?
Yes. In fact you have to: your MC goes active only after your insurance company files proof of coverage with the FMCSA.
Will anyone insure a driver with less than two years of experience?
Some markets will, at a higher price. Tell us your situation and we'll show you what's available.
How long does it take to get my authority active?
It depends on FMCSA processing and vetting, which has changed in recent years. Getting your insurance filed promptly keeps you from adding delays.
Ready to get your trucks covered?
Talk to a trucking agent today. Quotes are free and there's no obligation.