Trucking Insurance · New Venture Truckers
First-year authority? New ventures are the biggest part of our book. We place them with carriers that actually accept them, file the BMC-91 and MCS-90 the day we bind, and set up cargo and physical damage so brokers accept your certificate on day one.
Most agencies quote a new venture once, from one program, and hope. We work the whole market: admitted carriers with new-venture programs, specialty programs built for first-year carriers, and non-admitted options for the profiles nobody else will touch — hired drivers, reefer, long haul, even Canada. You get the two or three best fits explained side by side, and a straight answer on what each one will do at renewal.
Expect the truth about price, too. A first-year California carrier with one truck and $1,000,000 liability typically lands between $12,000 and $25,000 a year for the auto liability alone; cargo, physical damage and GL are on top. It is expensive because you have no record yet, not because of anything you did. Year three with clean MVRs and no claims is where it comes down, and we will tell you exactly how to get there.
$750K–$5M primary liability, BMC-91/91X and MCS-90 submitted the day we bind so your authority activates without a phone-tag week.
$100,000 standard, reefer breakdown if you run a reefer, and the wording brokers and factoring companies look for on the certificate.
Insure the truck for what it would cost you to replace, with a deductible you can afford — typically 3% to 8% of value.
A few hundred dollars a year and required by most broker packets.
Very few new-venture markets allow Canada. We have placed it; it costs more, and we will tell you when it stops being worth it.
What to keep clean, when to re-shop, and the year your premium actually drops.
We can quote from the application and bind the day your DOT/MC is issued, so the filing goes in immediately and the 21-day wait starts without delay.
Not by federal law for general freight, but nearly every broker requires $100,000 before they will tender a load, so in practice yes — and it is the cheaper of your policies.
The carrier prices the person behind the wheel. A hired driver with a thin or spotty MVR, or under two years of CDL experience, is rated higher than an owner-operator with a clean record.
Only a handful of markets will write it, and they charge for it. We have bound new ventures with Canada; expect roughly double a domestic-only policy and plan to drop it once the lanes change.
What Truckers Say
Real reviews from real DOT numbers — read them all on Google.
“Excellent customer service. Always available. This is an agency you can count on.”
“I'm a new owner op. He has helped me tons with shopping around finding something to fit the budget. Answers all my questions and very honest. He put up with me calling non stop when I first started. That is someone with patience and not after a quick dollar. Tbh if it wasn't for him I don't know if I would have even made it out on the road.”
“Informative and always available.”
