ServicesNew Authority Truck Insurance
New Authority Truck Insurance in Alpharetta
Your MC authority stays inactive until an insurer files proof of liability with the FMCSA. We quote carriers with a new DOT number, place the coverage, and send the filings, and the same person follows your file the whole way so nothing stalls between steps.
What new authority coverage does
When you apply for operating authority, the FMCSA won't activate it until your insurer electronically files a BMC-91X showing at least the federal minimum for primary liability. Most brokers and shippers will also want cargo coverage, and your lender will want physical damage on a financed truck. New authority insurance is that package written for a carrier with no operating history under its own name.
Underwriters treat a new venture differently from an established fleet. With no loss runs under your DOT number, they lean on your CDL experience, your motor vehicle record, the trucks you run, what you haul, and how far you go. We gather that up front so the application answers their questions before they ask.
One person handles your account here. The agent who quotes you also sends the filings, issues certificates to your brokers, and takes your call when a load needs a coverage change.
What we set up for a new carrier
- 01
Primary auto liability
The coverage the FMCSA requires before your authority goes active. Many brokers ask for a limit above the federal minimum, so we quote the limit your lanes actually call for. Our Primary Auto Liability Insurance page explains the coverage in detail.
- 02
BMC-91X and MCS-90 filings
Once the policy binds, we have the insurer file the BMC-91X with the FMCSA and attach the MCS-90 endorsement. We confirm the filing shows on your record before you book a load.
- 03
Motor truck cargo
Covers the freight on your trailer against loss or damage. We check the policy exclusions against your commodities, since reefer breakdown, theft, and unattended-vehicle clauses vary from one cargo form to the next.
- 04
Physical damage
Pays to repair or replace your tractor and trailer after a collision, fire, or theft. If the truck is financed, we list the lienholder correctly so the lender gets its proof.
- 05
Certificates of insurance
Brokers won't load you without a certificate naming them. We issue these as setup packets arrive, so your first week on load boards isn't spent waiting.
Questions about New Authority Truck Insurance?
Call(770) 270-3686Signs you need this coverage now
Your MC number shows pending
The FMCSA is waiting on proof of insurance. Without a filing in time, the application can be dismissed and you start over.
You're leaving a lease
Running under another carrier's authority meant their liability covered you. Once you go independent, that coverage ends and yours has to begin.
A broker asked for your COI
A setup packet asking for a certificate means they're ready to load you. You need active coverage and a certificate that lists them correctly.
You bought or financed a truck
A lender will want physical damage in place with them shown as loss payee before funding or soon after.
How we get your authority active
- 1
Phone or video intake
We go over your CDL history, MVR, truck and trailer units, commodities, operating radius, and garaging location. Bring your DOT and MC numbers if you have them.
- 2
Market the application
We send a complete submission to carriers that write new ventures. A clean, accurate application gets a faster answer than one with blanks underwriters have to chase.
- 3
Review quotes line by line
We walk through each quote with you: limits, deductibles, cargo exclusions, and down payment. You choose based on what each policy covers, not just the premium.
- 4
Bind and file
After you sign and pay, the insurer files the BMC-91X. We watch the FMCSA record until the filing posts and then start sending certificates to your brokers.
What moves your premium
New authority premiums usually run higher in the first year because underwriters have no history under your DOT number to price from. The figure depends on facts about you and your operation, and several of them are in your control. We explain which ones matter most for your quote.
- Driving experience
- Years holding a CDL and time in the same class of equipment count heavily. Fewer than two years of verifiable experience narrows the market.
- MVR and inspections
- Moving violations, accidents, and out-of-service inspections raise rates. A clean record opens more insurers to you.
- Radius and commodities
- Long-haul interstate work and high-value or hazardous freight carry more exposure than local runs hauling general freight.
- Equipment and limits
- Truck value drives the physical damage premium, and higher liability or cargo limits cost more. Deductibles can bring the price back down.
New authority questions
Can I get coverage in place before my MC number is issued?
Yes. You can quote and bind with a pending MC number, and the insurer files against your docket once it's assigned. Starting early keeps you from losing time once the FMCSA processes your application.
How long until my authority is active after the filing?
The filing usually shows on the FMCSA record within a few business days, but the agency sets the activation timeline, not us. We check the record and tell you as soon as your filing posts.
Will an insurance company write a policy with no trucking history under my own authority?
Several insurers write new ventures. They rely on your personal driving experience and record instead of company loss history. Recent CDL holders have fewer options, and we'll tell you plainly where your application stands.
Do I need cargo coverage if the FMCSA doesn't require it?
For most general freight, the federal rule covers liability only. In practice, nearly every broker requires cargo coverage in their setup packet, so carriers without it struggle to find loads.
What happens to my premium after the first year?
At renewal, underwriters see your actual loss record and inspection history. A clean first year often gives you better options, and we re-market your account when it does.
Get your filings moving
Have your DOT number, CDL details, and truck information ready. We'll go through your operation and take it from quote to active filing, keeping you updated at each step.