Truck insurance quote

Yes. A new-venture authority is harder to place, because many carriers want a track record under your own authority before they quote, but it can be placed, and we will shop it for you. Expect first-year pricing to run higher until you build clean history.

We request them; your insurer files them. FMCSA does not issue for-hire interstate authority until proof of liability coverage is on file, and that proof is usually a BMC-91 or BMC-91X filing that your insurance company submits to FMCSA. A BMC-34 cargo filing applies only to household-goods carriers. When a shipper or broker asks for proof of cargo coverage, a certificate of insurance answers that, not a federal filing. We request the filing from the carrier when you bind so your trucking authority is not held up.

Most ask for $1,000,000 on the certificate of insurance, which is above the legal minimums for general freight; oil and hazmat haulers can face higher federal minimums. Under 52 Pa. Code § 32.12(a), the Pennsylvania Public Utility Commission (PUC) minimums for hauling property for hire inside Pennsylvania are $300,000 per accident (Manufacturer's gross vehicle weight rating of 10,000 pounds or less (articulated vehicle: manufacturer's gross combination weight rating of 10,000 pounds or less)) and $750,000 per accident (Manufacturer's gross vehicle weight rating over 10,000 pounds (articulated vehicle: manufacturer's gross combination weight rating over 10,000 pounds)). We start at $1,000,000 for owner-operators and fleets unless the lane mix or commodity calls for more.