Commercial Insurance
Protect your assets, secure your authority, and start hauling.
Your MC Authority Is Worthless
Without Coverage.
Commercial trucking insurance is one of your largest startup expenses and the critical key to activating your MC Number. You cannot legally operate without it.
The FMCSA requires proof of coverage to be electronically filed within 90 days of applying for your MC number. Miss this window, and your application is dismissed. In situations like renting a truck, the rental coverage won't cut it, as the policy must be in your company's name.
We are your compliance safety net. Once you secure your USDOT number through CarrierForge, we guide you through quoting, activation, and filing proof with the FMCSA, connecting you directly with trusted brokers who specialize in new authorities.
New Authority Estimates
Rates vary by driving history, radius, and garaging state. Create an account to access our vetted insurance network for exact quotes.
Cargo Vans & Sprinters
Box Trucks & Hot Shots
Semi Tractors
The Coverages You Actually Need to Book Freight
The government has minimums, but freight brokers have their own rules. Here is what it takes to actually get loaded and paid.
Primary Auto Liability
The FMCSA minimum is $750k for vehicles over 10,000 lbs, but don't be fooled. Most brokers and shippers require $1,000,000 in coverage to haul their freight.
Motor Truck Cargo
While not federally mandated, you won't get far without it. This covers the value of the freight you haul. The industry standard required by most brokers is $100,000.
Physical Damage
Optional, but essential for protecting your most valuable asset. This covers your truck and trailer in the event of collision, theft, or vandalism.
Non-Trucking Liability
Often referred to as NTL, this provides coverage for personal or non-business use of your commercial vehicle when you're off the clock and not under dispatch.
The Rental Trap
Insurance bought at a rental counter is written in their name, not yours. It will not meet the FMCSA requirements needed to activate your MC Authority.
Direct FMCSA Filings
We ensure you hit your 90-day deadline. Our trusted network of brokers will automatically file your electronic proof of insurance (Form 91X) with the government.
Ready to Secure Your Quotes and Launch?
Create your free account to access your step-by-step dashboard. We'll help you secure your USDOT number and connect you directly with top-tier insurance brokers for new carriers.
What our clients say
Over 2,400 trucking operators have used CarrierForge to get legally operating and earning.
"I highly recommend CarrierForge to anyone looking to get into trucking. They make the process seamless. From filing for authorities to educating you to the regulations of the industry, and even connecting you with companies and services that can benefit your business. 5 stars is an understatement."
"They helped me with everything I needed to get started from creating my company name and getting my LLC … I have been out on the road making deliveries for other companies, I passed my first DOT Inspection, so everything is going great. If you are looking for a great company to have in your corner, CarrierForge is the way to go."
"Excellent customer service and quick to respond, efficient, friendly and price competitive. If you are in the transportation and logistics business and you need to set up a company, they will take you through the entire process hassle free. I greatly recommend their services."
Get your custom startup roadmap & quote
Whether you need LLC formation, USDOT & MC authority, BOC-3, UCR, or 1-on-1 startup mentorship, CarrierForge guides you from idea to road-ready.