DOI License #0K77310 · Licensed CA broker since 2013 · Serving CA, TX, IL, AZ, NV, NC, WA EN RU ES

Commercial trucking & DOT/MC insurance — new authority welcome.

Owner-operators, new DOT/MC authority, long-haul, cargo and fleets. We place hard-to-cover trucking risks and issue COIs and filings fast.

New DOT/MC authority OK Same-day COIs & filings Owner-operator & fleet
🏆 5.0 ★ Yelp 🤝 40+ carriers ⚡ Bind same-day 🇷🇺 Russian-speaking
Why CoverToday

Built for trucking

New authority is hard to place and expensive in year one. We know which carriers price new DOT/MC reasonably, handle your federal filings (BMC-91, etc.), add cargo and trailer-interchange, and turn around certificates of insurance the same day so you never miss a load. Whether you run one truck or a growing fleet, we build the full program and keep your filings current.

Coverage

What it covers

Primary liability

The FMCSA-required coverage (commonly $750k–$1M) that lets you operate under your authority.

Motor truck cargo

Protects the freight you haul — most brokers require at least $100k.

Physical damage

Repairs or replaces your tractor and trailer after a crash, theft or fire.

Trailer interchange

Covers trailers you pull under an interchange agreement.

Non-trucking / bobtail

Coverage when you drive without a load or off-dispatch.

Pricing

How much it costs

New-authority owner-operators typically pay $12,000–$20,000 per year — roughly $1,000–$2,000 per month per tractor for a full package — because carriers price in the added risk of a fresh authority. Rates vary widely by state, lanes, commodity, truck value and driver history, and they drop significantly after about three years of clean operation. We shop trucking-specialist markets to get new authorities priced fairly and bundle liability, cargo and physical damage for the best total cost.

Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.

Requirements

Who needs it

If you operate under your own DOT/MC authority you must show the FMCSA proof of liability (and cargo for household goods) before your authority is granted — we provide the filings. Owner-operators leased to a carrier may only need non-trucking/bobtail and physical damage. Fleets need scheduled coverage with same-day COIs for brokers and shippers.

Simple process

How it works

1

Send your operation details

Authority status, units, radius, commodities, drivers.

2

We match the right carriers

We shop trucking-specialist markets for new and seasoned authority.

3

Filings & COIs same-day

We handle DOT/MC filings and issue COIs fast.

FAQ

Common questions

How much does new-authority truck insurance cost?

Usually $12,000–$20,000 per year, or about $1,000–$2,000 per month per tractor, depending on state, lanes, commodity and experience. It drops after ~3 clean years.

Can you cover brand-new DOT/MC authority?

Yes — we specialize in new-authority owner-operators that many agencies turn away.

Do I need insurance before I get my authority?

Yes. The FMCSA won’t activate your authority until your insurer files proof of the required liability (and cargo for household goods).

How fast can I get a COI?

Same day, often within the hour for existing clients.

What coverages do I need?

Typically primary liability, motor truck cargo, physical damage, and trailer interchange — we build the right mix for your operation.

What is a BMC-91 filing?

It’s the federal form your insurer files to prove you carry the FMCSA-required public liability. We handle it for you.

Do you do cargo and trailer interchange?

Yes — we build the full program: liability, cargo, physical damage and trailer interchange.

Will my rate go down over time?

Yes — after about three years of clean operation, trucking rates typically fall significantly.

Related coverage
Motor truck cargoMoving companiesBusiness insurance

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