New authority insurance is easier to navigate when business, vehicle, driver, cargo, and operating details are organized before market submission.
Coverage starts with your operating model.
Underwriters evaluate how equipment, drivers, freight, routes, contracts, and business experience work together.
- New MC and DOT applicants
- Owner-operators moving to their own authority
- New hotshot or box truck companies
- Carriers preparing to begin interstate operations
Build the policy around the actual exposure.
Commercial Auto Liability
Core liability protection and the policy basis for eligible federal filings.
Motor Truck Cargo
Frequently required by brokers and shippers, with terms based on freight and operations.
Physical Damage
Protection for scheduled trucks and trailers, including financed equipment requirements.
General Liability
May help address qualifying business operations and contract requirements outside auto use.
Information that helps reduce back-and-forth.
- Legal business name, FEIN, MC/DOT information, and expected authority date
- VINs, values, GVWR, trailer details, and garaging address
- Driver experience, license states, and available MVRs
- Expected cargo, radius, states, contracts, and projected mileage or revenue
Common mistakes to avoid
- Using inconsistent business or authority information
- Waiting to gather vehicle and driver documents
- Assuming a filing means authority is immediately active
- Accepting loads before coverage and authority are confirmed
Know what to expect before you submit.
What insurance do new authorities commonly review?
Commercial auto liability, cargo, physical damage, and sometimes general liability or trailer interchange, depending on operations.
What are BMC-91/BMC-91X and MCS-90?
They relate to federal financial responsibility requirements. The carrier or authorized filing party controls the actual filing process.
When can I start hauling?
Only after required authority, coverage, filings, contracts, and other operational requirements are confirmed by the responsible parties.
What causes avoidable delays?
Incomplete vehicles or drivers, inconsistent authority data, unclear cargo, missing documents, and late changes commonly slow review.
Prepare My New Authority Quote
Share the details of your operation and documents. A licensed producer will review the request and explain the next step.
Coverage notice: Website content is general information only. Coverage, limits, pricing, eligibility, filings, endorsements, and effective dates require review and written confirmation from a licensed producer or authorized carrier. A website submission does not bind, change, or cancel coverage.