Custom Truck INSURANCE Solutions for Your Business
We proudly serve 13 states with tailored commercial truck INSURANCE solutions.
States We Serve
- Intrastate Regulations: Intrastate commercial vehicles with a gross vehicle weight rating (GVWR) of 18,001 lbs or more require a USDOT number.
- Interstate Operations: Arizona-based carriers crossing state lines must comply with FMCSA rules, including maintaining liability coverage of at least $750,000.
- Intrastate Regulations: Intrastate commercial vehicles with a gross vehicle weight rating (GVWR) of 18,001 lbs or more require a USDOT number.
- Interstate Operations: Arizona-based carriers crossing state lines must comply with FMCSA rules, including maintaining liability coverage of at least $750,000.
- Insurance Minimums: Intrastate motor carriers are required to carry a minimum liability of $300,000 for vehicles with a GVWR of 26,000 lbs or less.
- USDOT Requirement: All vehicles with GVWR over 10,000 lbs operating interstate or intrastate must register with USDOT.
- Unified Carrier Registration (UCR): Carriers must register annually with UCR to operate across state lines.
- Intrastate Insurance Minimum: Illinois mandates a minimum of $1 million liability insurance for intrastate operations involving hazardous materials.
- Intrastate USDOT Registration: Michigan mandates USDOT numbers for intrastate carriers with vehicles over 10,000 lbs.
- Insurance Minimums: $1 million liability insurance is required for vehicles transporting hazardous materials.
- Intrastate Operations: All intrastate commercial vehicles must have a USDOT number if their GVWR exceeds 26,000 lbs.
- Exemptions: Certain farm vehicles are exempt from USDOT registration and FMCSA rules.
- Heavy Use Tax: New York applies a highway use tax for vehicles weighing 18,000 lbs or more.
- Insurance Minimum: Liability insurance minimums start at $750,000 and increase based on the type of cargo.
- State Filing Requirements: Intrastate motor carriers must file proof of insurance with the North Carolina Utilities Commission.
- Farm Vehicle Exemptions: Farm vehicles operating within 150 miles are exempt from some USDOT requirements.
- PA PUC Registration: Intrastate carriers must register with the Pennsylvania Public Utility Commission and maintain liability insurance.
- Interstate Operations: Pennsylvania-based interstate carriers must adhere to FMCSA regulations and UCR.
- Safety Audits: All new motor carriers must pass a safety audit within the first 18 months of operation.
- Insurance Minimum: Vehicles with a GVWR of over 10,000 lbs operating intrastate require $750,000 in liability insurance.
- FMCSA Minimum Liability: The minimum liability insurance for interstate trucking is $750,000, and it must be filed with FMCSA.
- Intrastate USDOT: Texas requires USDOT numbers for intrastate operations if the vehicle’s GVWR is over 26,000 lbs or transports hazardous materials.
- State Permit Requirements: Virginia requires a Virginia Highway Use Permit for vehicles over 10,000 lbs.
- Insurance Filings: Intrastate carriers must carry $750,000 in liability coverage, with higher limits for hazardous materials.
WHY SUPER MARIO INSURANCE
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.
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.
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.
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.
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.
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.
Let us simplify the process for you. Fill out the form below, and our experts will guide you!
What You Need to Stay Legal on the Road
Primary Liability INSURANCE
State-Specific Regulations:
Physical Damage INSURANCE :
Motor Truck Cargo INSURANCE :
Federal Minimums
Non-Trucking Liability:
Uninsured/Underinsured Motorist Coverage:
Workers’ Compensation:
FAQs for Commercial Trucking INSURANCE , USDOT, and FMCSA Compliance
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.
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.
- 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.
- 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.
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.
- 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.
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
- 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.
- 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.
- 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.
- 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.
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
- 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.
You must update your USDOT registration every two years, even if no information changes. This is known as the Biennial Update
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
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.
