2027 New Authority Truck Insurance Checklist & FMCSA Filing Calculator
Use our interactive FMCSA 49 CFR Part 387 compliance calculator and step-by-step new venture document checklist to verify your required liability limits, avoid BMC-91X filing delays, and prepare a complete underwriting submission.
- Licensed in: Georgia & authorized states (view matrix)
- Based in: Atlanta, GA, USA
- No obligation to request a quote
- No SSN or payment required in the initial step
FMCSA Minimum Liability, Filing & Broker Coverage Calculator
Federal Statutory Minimum (49 CFR § 387.9)
$750,000 CSL Federal Minimum (49 CFR § 387.9 Interstate For-Hire General Freight 10,001+ lbs GVWR)
Freight Broker & Shipper Contract Standard
$1,000,000 Primary Auto Liability + $100,000 Motor Truck Cargo (Industry Broker Standard)
Required Filings / Endorsements
Electronic Form BMC-91 / BMC-91X + Policy Form MCS-90 Endorsement + Form BOC-3
Cargo Coverage Notes
$100,000 – $250,000 Motor Truck Cargo matched to exact commodities hauled
Step-by-Step New Authority & Quote Document Checklist
Check off each item as you prepare your authority and quote submission. Your progress saves automatically in your browser.
Readiness Score
0 / 9 Completed (0%)
Phase 1: Legal Entity & Federal Registration (Days 1–3)
Phase 2: Equipment, Driver & Quote Readiness (Days 4–12)
Phase 3: Policy Binding & FMCSA Electronic Filings (Days 13–21+)
Ready to price your commercial truck or new venture policy?
Even if you are still waiting on your 21-day FMCSA protest period, we can prepare your quote so your BMC-91X filing is ready to transmit upon binding.
What Underwriters Evaluate on Commercial Truck Insurance Submissions
Understanding how carriers weigh each underwriting variable helps owner-operators and fleet managers submit cleaner applications and avoid preventable re-rates.
Authority Age & Prior Continuity
New ventures (<12–24 months) lack business loss runs; underwriters rely on driver CDL tenure and prior continuous personal/commercial insurance.
Driver CDL Experience & MVR
2+ years of verifiable Class A CDL experience and zero major violations expand standard carrier market options.
Garaging State & Metro Corridor
ZIP codes in dense litigation or high-traffic corridors (e.g., Metro Atlanta I-75/I-85/I-285) rate differently than rural counties.
Equipment Type, GVWR & Stated Value
Class 8 tractors, multi-car haulers, and high-value late-model trucks carry higher physical damage and liability exposure than local straight trucks.
Commodities & Cargo Sub-Limits
Refrigerated loads (reefer breakdown), motor vehicles (loading/unloading), and target-theft electronics require specialized cargo endorsements.
Operating Radius (Local vs. OTR)
Local (<50–100 miles) and regional (<300 miles) operations face different highway exposure than unlimited nationwide OTR.
Ready to compare your commercial trucking or auto insurance options?
Start your online quote in under two minutes or speak directly with a licensed InsurixPro specialist for COI and FMCSA filing support.
