Insurance for a New Trucking Authority

Get insured for your new trucking authority

Your Spot team gets your new authority’s liability, truck and cargo coverage quoted, follows up on the filings and sends proof to the brokers who want it.

Get StartedHow It Works

Liability, physical damage and cargo quoted together
Federal filings followed until they’re made
Keep your broker or switch, with no commissions on premiums

An owner-operator holds a clipboard beside a complete white tractor cab parked further behind, both mirrors and bumpers fully visible.

How it works

Tell us about your trucks and loads

Share your units, drivers, radius, commodities and authority details. Your Spot team puts it into one submission.

Cedar FreightOrganized by Spot

See what each quote includes

We work with brokers to take your submission to market and show liability, truck physical damage and cargo side by side, since one quote may leave one out.

Insurance documents

Requirements review

Trucking insurance

Vehicles · Drivers · Liability limits

Cedar Freight

Get your filings made

Spot checks which proof of financial responsibility your authority needs and follows up with your broker and insurer until the filing is made.

Trucking insurance

Cedar Freight · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Send proof to freight brokers

Generate certificates in the Spot app for each broker or shipper that sets you up, with their requested limits shown.

When you need insurance

Your MC number is active, and brokers want proof of coverage before they’ll load you.

Coverage to consider

Trucking
A motor-carrier program covers liability for injury or damage your truck causes, and the required minimum depends on what you haul and the vehicle’s weight.
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Cargo and transit
Liability doesn’t cover the load. Brokers and shippers usually ask for cargo coverage that fits your commodities and their values.
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Umbrella and excess liability
If a shipper wants higher liability limits than your primary policy, an excess layer can sit above it when the truck liability is listed underneath.
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Workers’ compensation
Once you hire drivers as employees, your state’s rules decide whether you must cover them.
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Documents to have ready

01
Your authority details
Your USDOT and MC numbers, the type of authority you applied for and the date it becomes active.
02
Truck and trailer schedule
Year, make, VIN and value for each unit, with owned, leased and owner-operator equipment listed separately.
03
Driver list
Names, license details, experience and motor vehicle records for every driver.
04
What and where you’ll haul
Commodities, typical cargo values and your operating radius.
05
Prior experience
Any years driving for another carrier and loss runs from earlier policies, if you have them.

Common questions

Does buying a policy complete my federal filing?

No. The filing is a separate step made through your insurer. Your Spot team checks which proof your authority needs and follows up until it’s filed.

What is the MCS-90?

An endorsement on a motor carrier’s liability policy that some operations need as part of their proof of financial responsibility. Spot checks whether yours does and that it’s on the policy.

Will Spot get me the cheapest new-authority quote?

Spot doesn’t set prices or promise the lowest one. We help you compare what each quote covers so you can choose with all the terms in view.

Can I keep my trucking agent?

Yes. Spot works with your agent or broker, takes no commissions on premiums, and can introduce another broker if you want more markets.

Get insurance off your to-do list.

Your Spot team gets your new authority’s liability, truck and cargo coverage quoted, follows up on the filings and sends proof to the brokers who want it.

Get Started