Question 1

What insurance do I need for my new authority?

Accepted Answer

At minimum, the FMCSA requires $750,000 in primary liability coverage for general freight (or $1M for hazmat). Most brokers also require cargo insurance, typically $100,000. We recommend discussing your specific operation so we can tailor coverage to your needs.

Question 2

How fast can I get my MCS-90 filing?

Accepted Answer

Once your policy is bound, we file your MCS-90 and BMC-91 endorsements with the FMCSA the same day. Filings typically appear in SAFER within 24-48 hours.

Question 3

Do you insure owner-operators?

Accepted Answer

Yes. Whether you operate under your own authority or lease onto a carrier, we have coverage options. Owner-operators with their own authority need primary liability and cargo. Those leased on typically need occupational accident, non-trucking liability, and physical damage.

Question 4

What affects my premium?

Accepted Answer

Key factors include your driving history (PSP/MVR), years of experience, type of cargo, radius of operation, equipment value, and loss history. New authorities typically pay higher premiums until they build a track record.