Just Got Your Authority?
You've got your MC number, your trucks are ready, and you need insurance before you can move your first load. We specialize in new authority carriers — and we move fast.
We've Heard This Before
Everyone says no.
Most insurance carriers don't want new authority risk. You've called five agents and heard the same thing — 'we don't write new ventures' or 'call us after you have two years of experience.' It's frustrating, and every day without coverage is a day you're not earning.
The rates feel impossible.
New authority insurance costs more than established carriers pay. You're seeing quotes of $15,000–$25,000+ for auto liability alone, and you're wondering how to make the numbers work when you haven't moved your first load yet.
The paperwork is overwhelming.
BMC-91 filings, BOC-3 process agents, MCS-150 updates, state registrations, UCR fees — you need insurance, but you also need someone who can tell you what else you're missing before you start operating.
How We Handle It
You call us with your MC number.
That's all we need to start. Your MC number, the equipment you're planning to run, and what you want to haul. A 15-minute call and we're working.
We go to market the same day.
We have relationships with carriers who actively write new authority. We don't waste time with carriers who'll say no — we go straight to the ones who want your business and submit your application.
You pick your coverage and we bind it.
We present your options with clear pricing. Once you choose, we bind coverage and file your BMC-91 with the FMCSA. Your operating authority goes active.
You move your first load.
Certificate of insurance in hand, BMC-91 on file, authority active. You are legal and covered. The whole process can happen in as little as 24–48 hours.
What to Expect
Documents You'll Need
MC number, EIN, driver information (CDL, MVR), vehicle information (VIN, year, make, model, value), and a general idea of what you plan to haul and where you plan to operate.
Timeline
From first call to bound coverage: typically 24–72 hours. BMC-91 filing takes the FMCSA an additional 1–3 business days to process. Plan for about a week from start to fully active authority.
Cost Range
New authority auto liability typically runs $12,000–$22,000 annually depending on your state, equipment, cargo type, and driving history. Physical damage and cargo add to that. We will give you exact numbers, not ranges.
First-Year Reality
Your first year will be your most expensive for insurance. Rates typically drop 15–25% in year two and again in year three as you build operating history and a clean loss record. We re-shop your program every renewal.
Common Questions About New Authority Insurance
Get Your New Authority Covered Today
Tell us your MC number. We'll handle everything else.
(510) 270-8141