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Commercial Truck INSURANCE

Custom Truck INSURANCE Solutions for Your Business

When you think of 'INSURANCE ,' high costs and the stress of claims might come to mind. We get it—it can be overwhelming! But for trucking businesses across 12 states, having the right INSURANCE isn’t just a necessity—it’s a game-changer. At SuperMario INSURANCE , we simplify the process so you can focus on what truly matters: keeping your trucks on the road. Whether it’s protecting your fleet, ensuring your team’s safety, or safeguarding your clients’ cargo, we’ve got you covered. With tailored coverage that meets both state and federal requirements, we’re your trusted partner in driving your business forward with confidence.

We proudly serve 13 states with tailored commercial truck INSURANCE solutions.

Click your state to learn more!


shape
Arizona‎
SOUTH CAROLINA
Nwe Jersey
Massachusetts
NEW YORK
Alabama‎‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎
Florida‎‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎ ‎
VIRGINIA‎
PENNSYLVANIA
ILLINOIS
MICHIGAN
TEXAS
NORTH CAROLINA
MISSOURI
CALIFORNIA CALIFORNIA

States We Serve

Alabama
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Arizona
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
California
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Florida
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Illinois
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Massachusetts
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Michigan
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Missouri
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
New Jersey
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
New york‎
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
North carolina
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Pennsylvania
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
South carolina
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Texas
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance
Virginia
  • Medicare Advantage
  • ACA (Obamacare)
  • Commercial Truck
  • Life Insurance
  • Bussines Insurance
  • Vehicule Insurance
  • Property Insurance

WHY SUPER MARIO INSURANCE

🚛 Commercial Auto Liability
  • What It Is:This INSURANCE covers damages and injuries caused by your commercial vehicles while on the road. It’s a legal requirement for businesses operating vehicles as part of their operations.

    Why It Matters:
    Protects your business from costly lawsuits, medical expenses, or property damages arising from accidents. Whether it’s a single work truck or a fleet of vehicles, we ensure your coverage meets federal and state requirements while safeguarding your assets.

📋 Trucking Authority Packages
  • What It Is:
    Getting your trucking authority means obtaining the legal permissions to operate as a motor carrier. Our package includes everything you need, such as USDOT numbers, MC numbers, and other filings required to get you on the road legally.

    Why It Matters:
    Starting your own trucking business can be overwhelming. We simplify the process, ensuring all the paperwork is handled correctly so you can focus on growing your operations.

🛡️ INSURANCE Coverage
  • What It Is:
    We offer tailored INSURANCE plans, including:

    • General liability
    • Physical damage
    • Cargo INSURANCE
    • Non-trucking liability (bobtail insurance)

    Why It Matters:
    Every trucking operation is unique. We help you select the right policies to protect your business from all angles, ensuring you’re covered for property damage, cargo loss, and more.

📦 Trucking Permits
  • What It Is:
    We assist with obtaining essential permits like:

    • International Registration Plan (IRP)
    • International Fuel Tax Agreement (IFTA)
    • Oversize/Overweight Permits

    Why It Matters:
    Staying compliant with state and federal regulations is vital to avoid fines and delays. We’ll help you navigate the complex permitting process, so you can keep your trucks moving without worry.

🛡️ DOT Safety Compliance
  • What It Is:
    We provide guidance and tools to ensure your trucking business complies with Department of Transportation (DOT) regulations, including:

    • Driver qualification files
    • Hours-of-service tracking
    • Vehicle maintenance records

    Why It Matters:
    Failing to meet DOT compliance standards can result in hefty fines, shutdowns, or loss of operating authority. We help you establish strong safety practices to pass inspections and audits with confidence.

🔧 Employment Health INSURANCE Packages
  • What It Is:
    We offer customized health insurance plans for your employees, including options for:

    • Group health insurance
    • ACA-compliant plans
    • Dental, vision, and other benefits

    Why It Matters:
    Attracting and retaining quality drivers and employees is easier with robust health insurance benefits. We’ll design affordable packages that protect your team and give your business a competitive edge.

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    What You Need to Stay Legal on the Road

    Learn the essential INSURANCE requirements for truckers operating in 12 states. Stay compliant and protect your business whith SuperMario INSURANCE

    Primary Liability INSURANCE

    Required by law to operate legally and avoid

    State-Specific Regulations:

    Regulations vary by state. We'll helps you meet the requeriments wherever you operate.

    Physical Damage INSURANCE :

    Protects your Truck

    Motor Truck Cargo INSURANCE :

    Protects cargo in transit, often required by clients.

    Federal Minimums

    $750,000 for general freight.
    $1 million for hazardous materials.

    Non-Trucking Liability:

    Covers personal use when off-duty.

    Uninsured/Underinsured Motorist Coverage:

    Protection against drivers without adequate INSURANCE.

    Workers’ Compensation:

    Required if you employ drivers, covers Driver Injures

    FAQs for Commercial Trucking INSURANCE , USDOT, and FMCSA Compliance

    1. What is the FMCSA, and why does it matter for my trucking business?

    The Federal Motor Carrier Safety Administration (FMCSA) is the federal agency responsible for regulating the trucking and commercial vehicle industry. They ensure safe operations through compliance rules, including proper licensing, INSURANCE minimums, and safety audits. Compliance is critical to avoid penalties, fines, or shutdowns.

    2. Do I need a USDOT number for my trucking business?

    Yes, if you operate a commercial vehicle that:

      • Transports passengers or cargo across state lines (interstate commerce).
      • Has a GVWR of 10,001 lbs or more.
      • Carries hazardous materials, regardless of size or weight. Some states also require USDOT numbers for intrastate operations.
    3. What is the minimum liability INSURANCE required for my trucking business?
      • Interstate operations: The FMCSA requires a minimum of $750,000 in liability coverage for general freight, but it can be higher for hazardous materials or passengers.
      • Intrastate operations: Minimum requirements vary by state. For example, Texas requires $750,000, while Illinois requires $1 million for hazardous materials.
    4. What are MCS-90 and BMC-91 filings? Do I need them?
      • MCS-90: A federal filing that ensures your liability insurance covers claims even if your policy wouldn’t normally apply.
      • BMC-91: A filing your insurance company submits to FMCSA, proving you meet minimum liability coverage. If you operate interstate, both are mandatory.
    5. What is the Unified Carrier Registration (UCR), and who needs to file it?

    UCR is an annual registration system for interstate motor carriers, brokers, and freight forwarders. If you operate across state lines, you must file it to avoid penalties.

    6. How do I stay compliant with FMCSA regulations?
      • Maintain proper insurance coverage and ensure all filings are up-to-date.
      • Comply with hours-of-service (HOS) regulations to prevent driver fatigue.
      • Pass the New Entrant Safety Audit within the first 18 months of starting your business.
      • Keep accurate maintenance and inspection records for your fleet.
    7. Do intrastate truckers need to follow FMCSA regulations?

    Some FMCSA regulations, such as those on drug and alcohol testing, still apply to intrastate operations. Additionally, states may have their own requirements, like USDOT numbers and insurance minimums

    8. What happens during a USDOT compliance audit?
    • A compliance audit involves checking your:
      • Driver qualification files (background checks, medical certifications).
      • Hours-of-service logs.
      • Maintenance records.
      • Insurance filings and coverage. Failing the audit can lead to fines or loss of your operating authority.
    9. How can I lower my trucking INSURANCE premiums?
      • Hire experienced drivers with clean records.
      • Implement a robust safety program and telematics devices to track safe driving.
      • Bundle multiple policies (e.g., liability and cargo) with the same insurer.
    9. How can I lower my trucking INSURANCE premiums?
      • Hire experienced drivers with clean records.
      • Implement a robust safety program and telematics devices to track safe driving.
      • Bundle multiple policies (e.g., liability and cargo) with the same insurer.
    10. What is the difference between interstate and intrastate trucking?
        • Interstate trucking involves transporting goods or passengers across state lines or into foreign countries. FMCSA regulations fully apply.
        • Intrastate trucking involves operations within a single state. State-specific rules may apply, but some FMCSA requirements, like drug testing, still apply.
    11. Do I need cargo INSURANCE?

    While cargo insurance isn’t federally mandated, most shippers require it. It covers the value of the goods you’re transporting against loss or damage

    12. What are the penalties for non-compliance with FMCSA or state trucking regulations?
    • Penalties include:
      • Suspension or revocation of your operating authority.
      • Fines ranging from $1,000 to $10,000 per violation.
      • Increased insurance premiums or policy cancellations.
    •  
    13. How often should I renew my USDOT registration?

    You must update your USDOT registration every two years, even if no information changes. This is known as the Biennial Update

    14. What is an MC number, and do I need one?

    An MC (Motor Carrier) number is required for interstate for-hire carriers or freight forwarders. Private carriers transporting their goods usually don’t need an MC number but must still comply with USDOT requirements

    15. Can I operate immediately after applying for USDOT and MC numbers?

    No. New carriers must complete the New Entrant Program, including a safety audit within the first 18 months. Failing this program can result in suspension of operating authority.

    Ready to Take the Next Step?

    Let us simplify the process for you. Fill out the form below, and our experts will guide you!

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