New Venture Trucking Insurance
Start strong. Get broker-ready coverage, correct filings, and fast COIs for your first loads.
Launching your own trucking company is a big move
The fastest way to get your first paying loads is to make sure your insurance limits, filings, and certificates match what brokers and load boards expect. At Jump Trucking Insurance, we guide first-year carriers through each step — so you can get approved quickly and keep rolling.
What New Authorities Need to Know
Many new authority owners struggle to book loads because their insurance doesn’t meet broker requirements. We’ll explain what coverage you actually need and make sure your policies and filings are done right the first time.
Broker & Load Board Expectations (Plain English)
Primary Auto Liability
Most brokers want $1,000,000 in primary liability coverage, even though the FMCSA minimum is usually $750,000. We’ll help you choose the right limit for your freight and lanes, and we’ll include the required MCS-90 endorsement when needed.
Common broker ask: $1,000,000 liability with MCS-90.
Motor Truck Cargo
Cargo insurance protects the freight you haul. A common starting point is $100,000, but specialized freight (reefer, autos, electronics, hazmat) may require higher limits or specific endorsements. We’ll match your coverage to your commodities and contracts.
Common broker ask: $100,000 cargo limit with proper endorsements.
Filings & Certificates
Brokers require FMCSA filings and certificates of insurance (COIs) before they’ll release a load. We take care of the BMC-91 or BMC-91X filing and send COIs quickly so you’re ready to haul.
Common broker ask: Active BMC-91/91X on file and COIs listing required coverages
Coverage We Set Up for New Ventures
Primary Auto Liability – Protects against third-party injury and property damage.
Motor Truck Cargo – Covers the freight you haul; limits and endorsements matched to your loads.
Physical Damage (Comprehensive/Collision) – Protects your tractor and trailer against covered losses.
Non-Trucking Liability (if applicable) – For owner-operators when operating outside dispatch.
General Liability – Often required by shippers and warehouses.
Workers’ Compensation – For employees or multi-state operations.
Trailer Interchange / UIIA – For container haulers or non-owned trailer use.
Reefer Breakdown – For temperature-controlled freight where eligible.
Broker-Ready Checklist (Save This!)
Choose liability limits that meet your contracts (often $1M) and include MCS-90 if required.
Set cargo limits to match your freight (usually $100K, higher for valuable goods).
Confirm FMCSA filings (BMC-91/91X) are posted and active.
Keep COIs ready for brokers and shippers.
Align policy effective dates with your authority activation.
Document your commodities, lanes, and driver experience — brokers ask for it.
Have us review your broker requirements.
Why New Authorities Choose Jump
Trucking-Only Focus: We insure truckers — that’s it.
First-Year Friendly: Programs designed for new authorities
Fast Filings & COIs: We handle BMC-91/91X filings and issue certificates quickly.
Straight Talk on Limits: We explain what brokers actually look for and why.
Direct Claims Access: In some cases, we are the carrier — which means faster service.
Built to Grow: As you add trucks, we adjust coverage and pricing to fit your growth.
FAQ
Most Asked New Venture Trucking Insurance Questions
What liability limit should I pick?
Most brokers expect $1,000,000 in liability coverage even though federal minimums can be lower. We’ll help you choose based on your freight and contracts.
Is $100,000 cargo enough?
It’s a common starting point, but higher-value freight or certain shippers may need more. We’ll tailor your cargo coverage to your loads.
How long do filings take?
Once your policy is bound, we file the required documents (like BMC-91/91X) right away. Timing depends on FMCSA processing, but we keep you informed.
Can I get insured with limited experience?
Yes. We work with carriers that accept new authorities and help present your application — driver records, equipment, and safety plan — in the best light.