ServicesNew Authority Truck Insurance
New Authority Truck Insurance in Fairburn
Your MC authority stays inactive until an insurer files proof of coverage with FMCSA. We help new motor carriers get the right coverage placed, explain each filing in plain terms and make sure the paperwork is in before your first load.
Insurance that gets a new authority moving
When you apply for operating authority, FMCSA grants it but will not make it active until two things are on file: your BOC-3 process agent designation and proof of liability insurance. That proof is a filing your insurance company sends electronically, usually called a BMC-91X. Until it shows up on your FMCSA record, you cannot legally haul for-hire freight across state lines.
New ventures are harder to place than established carriers because there is no loss history to rate. Underwriters lean on your driving record, your CDL experience and what you plan to haul. We gather that information with you up front, shop it with carriers that write new authorities and walk you through what each quote does and does not cover.
If you run only inside Georgia, the rules are different and come from the state instead of FMCSA. We will ask how and where you plan to operate so the filings match your actual work.
What we set up for a new authority
- Primary auto liability
- This is the coverage FMCSA requires before your authority activates. The required minimum depends on what you haul, and many shippers and brokers ask for more. We explain the difference so you are not underinsured for the loads you want.
- The federal filing
- Once a policy is bound, the insurer files proof with FMCSA. We confirm it was sent and check that it posted to your DOT number, since a typo in the docket number can hold things up.
- Cargo and physical damage
- Most brokers want motor truck cargo coverage before they will tender a load, and a lender will require physical damage on a financed truck. We quote these alongside liability so you see the full picture.
- Certificates of insurance
- Brokers and shippers will ask for a certificate of insurance during setup. We issue them with the right names and limits so carrier onboarding does not stall.
- Trailer interchange when needed
- If you will pull trailers owned by others under an interchange agreement, we add trailer interchange coverage so that equipment is protected.
Signs it is time to call us
Your authority shows as pending
If FMCSA has granted your MC number but the status will not turn active, a missing insurance filing is the most common reason.
You are leaving a lease
Owner-operators moving off a carrier's authority lose that carrier's liability coverage. You need your own policy and filing in place before you run under your own number.
A broker rejected your setup
Load boards and brokers check insurance limits and authority age. If you were turned down, we can look at whether your coverage meets their requirements.
You got a revocation notice
FMCSA sends notice when a filing is canceled or lapses. Acting quickly gives you the best chance to keep your authority from being revoked.
Your first safety audit is coming
New carriers enter a monitoring period that includes a safety audit. Auditors look at insurance along with driver files and records, so it helps to have everything current.
How we work with you
- 1
A conversation by phone
We start with the basics: your DOT and MC numbers, the truck and trailer, your CDL history, the drivers and the freight you plan to haul. Have your VINs and each driver's details handy if you can.
- 2
Shopping the market
We take your details to insurers that write new authorities. Each quote is laid out line by line, with limits, deductibles and down payment, so you can compare like for like.
- 3
Binding and filing
Once you choose a policy and make the down payment, coverage is bound and the insurer submits the federal filing. We watch your FMCSA record and let you know when it posts.
- 4
Getting you loaded
We send certificates to the brokers and shippers you are setting up with. As you add trucks or drivers, we update the policy and filings.
What moves the premium on a new authority
A new venture costs more to insure than a carrier with years of clean history, and that eases as you build a track record. We cannot quote a number without your details, but these are the things underwriters weigh most. Knowing them helps you plan a realistic budget.
- Driver experience
- Years holding a CDL and time behind the wheel matter a great deal. Many insurers want at least two years of verifiable experience for a new authority.
- Driving records
- Tickets, accidents and inspection violations on any listed driver raise the premium or limit which insurers will write you.
- Freight and radius
- What you haul and how far you run change the risk. Local construction hauling rates differently from long-haul general freight or hazmat.
- Limits and equipment
- Higher liability limits, cargo coverage and the value of the truck and trailer all add to the cost, as do lower deductibles.
- Down payment and billing
- New authority policies usually require a sizable down payment. We explain the terms for each quote before you commit.
New authority questions
Something not covered here? (770) 766-5839
How long does it take for my authority to go active after insurance is bound?
Once the insurer submits the filing, it typically appears on your FMCSA record within a few business days. Your authority also has to clear its protest period and have a BOC-3 on file. We check the record and tell you when the insurance piece is done.
Can I get insurance before my MC number is granted?
Yes. You can get a quote as soon as you have your DOT number and your application is in. Many carriers line up coverage early so the filing can go in right away when the authority is granted.
Do I need cargo insurance to get my authority?
For most general freight, FMCSA does not require a cargo filing to activate your authority. The liability filing is what gets you active. In practice, though, nearly every broker will want to see cargo coverage before giving you a load, so we usually quote it alongside liability.
I only haul inside Georgia. Do I still need a federal filing?
Intrastate carriers follow Georgia's requirements instead of FMCSA's for-hire authority rules. Insurance proof is still filed, just with the state. Tell us how your operation runs and we will match the coverage and filing to it.
What happens if my policy cancels?
The insurer notifies FMCSA, and your authority can be revoked if replacement coverage is not filed in time. Call us as soon as you see a cancellation notice so we can work on keeping you active.
Ready to get your authority active
Tell us about your truck, your drivers and the freight you plan to haul. We will lay out your options and handle the filings once you choose.