New Authority Trucking Insurance
Just got your MC number? We help new authority trucking companies prepare coverage, filings, and the details carrier markets need to review.
Designed for
New DOT and MC authorities preparing to haul
Common needs
Primary liability, cargo, physical damage, and filings
Start with
DOT or MC number, vehicles, drivers, garaging, and freight
Prepare to haul with the right coverage
A new trucking business needs an insurance submission that clearly explains its drivers, equipment, freight, and routes. Previous driving experience can still be relevant even when the business itself is new.
We help organize your application and review available new-venture markets. Insurance approval, required filings, and operating-authority activation are separate steps; confirm each before operating.
Coverage and filing needs to review
Common questions
What do I need to apply?
Provide your legal business name, DOT or MC number if issued, drivers and experience, VINs and equipment values, garaging, freight, radius, and planned start date. The carrier may request more information.
Will new authority cost more?
A new business has less operating history for a carrier to review. Rates and availability depend on the complete submission; we cannot promise a fixed price or savings before underwriting.
How long until I can haul?
Carrier review and filing timelines vary. A quote or certificate alone does not establish that your authority is active. Confirm coverage, effective dates, and required authority status before operating.
Can I start without a DOT number?
Yes, you can begin the conversation and explain that your authority is not yet issued. Your agent will identify the remaining information needed before a carrier can finalize coverage or filings.
From quote request to your first load
1. Describe the planned operation
Confirm your legal name, business and garaging addresses, drivers, equipment, freight, and routes. Explain whether you will haul under your own authority or lease onto another carrier; the insurance needs differ.
2. Review the coverage proposal
Compare limits, deductibles, exclusions, payment terms, and any broker or shipper requirements. A preliminary indication is not a bound policy, and not every insurer accepts every new venture.
3. Coordinate the required filings
After carrier approval, confirm the coverage effective date and who will submit the required insurance filings. FMCSA requires the applicable proof of financial responsibility on file before granting authority; the legal name and address must match the registration.
4. Verify before you dispatch
Check your operating-authority status with FMCSA and confirm active coverage for the proposed work. A DOT or MC number, quote, or certificate alone is not proof that all requirements to operate have been met. Insurance filings do not replace other registration obligations.
What to have ready for your quote
Start with what you have. Your agent will confirm any additional information the carrier needs.
- Legal business name, addresses, and DOT or MC number if issued
- Driver list with relevant commercial driving experience
- Truck and trailer VINs, values, ownership, and garaging
- Planned commodities, load values, routes, and estimated mileage
- Broker or shipper requirements and planned start date
Prepare your new authority submission
Tell us about the operation and we’ll help review coverage needs, filings, and the next steps.
A quote request does not bind coverage. Availability, limits, exclusions, and effective dates are subject to carrier approval and policy terms.