--- title: "Insurance for a New Trucking Authority" description: "Find insurance for a new trucking authority: Spot quotes liability, physical damage and cargo, follows the filings your authority needs and sends proof to brokers." canonical: "https://spot.insure/find-insurance/new-trucking-authority" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/find-insurance/new-trucking-authority) ## Agent Guide **What this page is:** Find insurance for a new trucking authority: Spot quotes liability, physical damage and cargo, follows the filings your authority needs and sends proof to brokers. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # 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. - Liability, physical damage and cargo quoted together - Federal filings followed until they’re made - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?intent=requirements&coverage=trucking&icp=trucking) ## 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. - **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. - **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. - **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. Your MC number is active, and brokers want proof of coverage before they’ll load you. ## Documents to have ready - **Your authority details.** Your USDOT and MC numbers, the type of authority you applied for and the date it becomes active. - **Truck and trailer schedule.** Year, make, VIN and value for each unit, with owned, leased and owner-operator equipment listed separately. - **Driver list.** Names, license details, experience and motor vehicle records for every driver. - **What and where you’ll haul.** Commodities, typical cargo values and your operating radius. - **Prior experience.** Any years driving for another carrier and loss runs from earlier policies, if you have them. ## Coverage - [Trucking](https://spot.insure/insurance/trucking/quotes): 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. - [Cargo and transit](https://spot.insure/insurance/cargo-transit/quotes): Liability doesn’t cover the load. Brokers and shippers usually ask for cargo coverage that fits your commodities and their values. - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes): 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. - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes): Once you hire drivers as employees, your state’s rules decide whether you must cover 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. ## More - [Find insurance](https://spot.insure/find-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/find-insurance/new-trucking-authority.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)