New Venture Trucking Insurance
Your MC number does nothing until insurance is on file. Let’s get you rolling.
Commercial truck insurance for brand-new authorities and first-year motor carriers. No loss runs, no claims history, no problem — we write these every week.
Your info is secure and never sold.
New Authority Trucking Insurance, From People Who Write It Daily
Most agencies treat a new venture like a problem to be managed. We treat it like Tuesday. A brand-new MC number with no loss runs, no claims history and no track record is not an edge case in our office — it is a large share of what we place, and we know which of our 50+ carriers actually want it.
Here is the part nobody tells you: the reason new ventures get declined is almost never that they are new. It is a detail nobody warned them about. A garaging address the carrier will not touch. A driver with a violation that closes half the market. A commodity that underwriters have quietly stopped writing. We check appetite before we go shopping, so you find out on day one instead of day thirty with a truck payment already due.
- No loss runs required — carriers with real new-authority programs, not reluctant exceptions
- BMC-91X and MCS-90 filed for you at no extra charge, so your authority activates
- Appetite checked first — we tell you what is placeable before you spend money
- Same-day COIs once you’re bound, because brokers won’t book you without one
Real Reviews From Real Clients
"Exceptional service is hard to find, but Jody sets the standard… Jody replied almost immediately, communicated clearly, and followed through on every promise he made. You don't just feel like another customer, you feel like a priority."
"A fantastic company for all your insurance needs. They are clear and upfront, easy to work with, and make the entire process smooth and efficient. Highly recommend!"
"Highly recommend if you want a hassle-free experience. Nova Coverage made everything simple and stress-free from start to finish."
What FMCSA Actually Requires
Your operating authority does not switch on until proof of insurance is on file — and your insurance company files it, not you. Here is the legal minimum, what the market really demands, and every filing we handle on your behalf.
What The Law Requires
The legal minimum is not the market minimum. Nearly every shipper and broker in the country requires $1,000,000 liability and $100,000 cargo before they will give you a load. Buying to the federal floor and calling it done is the fastest way to a truck that cannot get booked. Limits are set in 49 CFR 387.9.
Paperwork We Handle
FMCSA is explicit that insurance forms must be filed by the insurance company, not by the carrier. That is the part we handle. The rest is yours: USDOT and MC registration, your BOC-3 process agent designation, UCR, and IRP/IFTA if you are running interstate — we don’t file those, but we’ll make sure you know what still needs doing so nothing stalls your authority.
How A New Venture Actually Gets Rated
An established carrier is priced on its own claims history. You do not have one. So year one runs on a completely different set of inputs — and knowing them is the difference between a quote you can live with and a decline you never saw coming.
Insurance Score
Several carriers rate new ventures partly on an insurance score. It is not the same thing as a credit score and it is not a judgment about you — it is a statistical input the underwriter uses when there is no loss history to look at.
Garaging ZIP Code
One of the biggest rating factors for a new venture, and the one that surprises people most. The same truck, same driver and same freight can price very differently depending on where the truck sits overnight.
Driving Records
MVRs on every driver. A single recent major violation can close half the market before we have started. This is worth checking honestly before you apply, not after.
Driver Age & CDL Experience
Most carriers want at least two years of verifiable CDL experience, and more for higher-value equipment. Thin experience is the single most common reason a new venture gets declined.
Radius Of Operation
Local, intermediate or long haul changes both the price and which carriers will even look. A tighter radius can open doors that a nationwide filing closes.
Commodity & Equipment
What you haul and what you haul it with. Appetite moves — classes that were easy to place a year ago can be hard to place today, which is why we check the market before we promise you anything.
Why we don’t publish a rate chart. Any honest one would be so wide it would be useless. Two carriers with identical trucks and identical freight can land in very different places on garaging ZIP alone. What we can tell you is that insurance is usually your second-largest monthly cost after fuel, and it belongs in the business plan before the truck purchase. For the real numbers on what it takes to start, read The Real Cost of Starting a Trucking Company. For a deeper look at pricing specifically, see what new authority trucking insurance really costs.
Coverage A New Authority Actually Buys
Not everything on this list applies to every operation. Here is what each one does, so you know what you are agreeing to instead of nodding along.
The Non-Negotiables
These three are what gets you booked. Everything below depends on how you actually operate.
The Rest Of The Trucking Policy
We’ll walk through which of these your operation genuinely needs and which are somebody else’s upsell. Coverage outside the trucking policy — general liability, workers comp or occupational accident — is a separate conversation, and we’ll have it when it’s relevant to you.
Your First 18 Months Under FMCSA
Every brand-new carrier goes through the New Entrant Safety Assurance Program. It is not optional, it is not a formality, and how you handle it is what your renewal price is built on.
What insurers are watching in year one:
A clean first 12 months is the single biggest lever you have on year-two pricing. Nothing else you do moves the number as much.
Let Us Find Your Best Rate
Call or request your quote and a Nova Coverage agent will shop 50+ carriers to find your best new-authority rate — usually within 24 hours.
Call Us Now
800-885-6682 Fill Out the Quote FormMon – Fri: 9am – 7pm EST • Sat & Sun by appointment
Your info is secure and never sold.
Why New Ventures Choose Us
New Ventures Are Our Lane
Not a reluctant exception we squeeze in somewhere. Several of our 50+ carriers run dedicated new-authority programs, and we place these every week.
Appetite Before Price
We find out who will actually write your operation before we start quoting. Knowing on day one beats a decline on day thirty with a truck payment due.
Filings Done Right
BMC-91X and MCS-90 with FMCSA, BMC-34 where it applies. We file the insurance forms that activate your authority — and we tell you straight which registrations are yours to file.
Straight Answers
We’re a women-owned agency in Indianapolis with 10+ years in trucking. If your operation isn’t placeable as it stands, we’ll tell you what to change instead of running your credit and going quiet.
New Venture Trucking Insurance FAQ
Can a new authority get trucking insurance?
How much does new venture trucking insurance cost?
Why is insurance so expensive for a new trucking company?
Do I need insurance before my MC number is active?
What is an MCS-90 and do I need one?
Can I get insurance with no CDL experience?
What is the new entrant safety audit and does it affect my insurance?
How fast can I get a certificate of insurance?
Just Got Your MC Number?
Let’s find out who wants to write you before you spend another dollar. It’s free, it’s fast, and your filings are on us.
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