Everything it takes to get your truck covered and your authority road-ready.
We don't stop at the insurance binder. Here's the full list of what Trucking Insurance Partners handles for owner-operators and fleets, start to finish.
Coverage built around the freight you actually haul
We're independent, so we shop your risk across multiple carriers instead of placing you with just one. Here's what we typically place for owner-operators and fleets.
Commercial auto liability
Meets your federal filing minimums (typically $750,000–$1,000,000 depending on your freight) and any state-specific requirements, so you're legally cleared to operate.
Motor cargo
Protects the freight you're contracted to deliver, load to load, so a damaged or lost shipment doesn't come out of your pocket or end a broker relationship.
Physical damage
Covers your tractor and trailer against collision and comprehensive loss — important if you're financing equipment and a lender requires it.
General liability
Covers non-trucking exposures at your yard, terminal, or shop — separate from anything that happens on the road.
Non-trucking liability
Covers you when the truck is off-dispatch and off the clock, which your primary auto liability policy typically excludes.
Large fleet programs
As you grow past owner-operator scale, we place custom fleet programs, shopped across carriers that specialize in larger trucking risk.
The paperwork that gets you legally cleared to haul
Most agents stop at the insurance binder. We go further — setting up your entity and filing everything FMCSA and your state require to operate, in the order it actually needs to happen.
LLC / Corporation formation
We set up your business entity — LLC or corporation — before you apply for authority, so your liability is separated from day one and your paperwork matches across every filing that follows.
DOT number application
Your DOT number is your federal ID with FMCSA and the starting point for every other filing. We handle the application and make sure your operating details are filed correctly the first time.
MC number application
If you're hauling for-hire interstate freight, you need an MC number to operate as a for-hire carrier across state lines. We file it alongside your DOT number so your authority moves as one package.
BOC-3 process agent filing
FMCSA requires a designated process agent in every state you operate in before your authority can go active. We file your BOC-3 and coordinate the timing with your insurance filing.
MCS-150 filing
This biennial update keeps your FMCSA registration active. We track your renewal window so it doesn't lapse and put your authority at risk.
IRS Form 2290 (HVUT)
The Heavy Vehicle Use Tax is required for trucks over 55,000 lbs before you can register your plates in most states. We help you file it on schedule.
Kentucky KY Permit
If your routes run through Kentucky, this separate weight-distance tax filing is required. We handle the application and ongoing reporting.
UCR registration
The Unified Carrier Registration is required annually for carriers operating across state lines. We keep your registration current so you're not caught operating on a lapsed UCR.
IFTA license
Interstate carriers need an IFTA license for fuel tax reporting across the states you run. We get you registered and can help with the quarterly reporting that follows.
Other permits
Running through New York, New Mexico, or California? We also handle the extra state-specific filings those routes require — your NY Permit, New Mexico Permit, and California DMV Motor Carrier Permit (CA #) — so one state's paperwork doesn't stall your whole authority.
Record vehicle look-up
We run a vehicle record look-up on your equipment before you're insured or filed, so title, VIN, and registration issues get caught early instead of holding up your authority.
Apportioned plates (California only)
For California-based fleets running multiple states, we handle your apportioned (IRP) plate registration so your vehicles are legally plated to run interstate without a separate plate in every state.
Statement of Information
California entities are required to file a Statement of Information with the Secretary of State after formation, and periodically after that. We file it and track your renewal window.
SS-4 form
Your SS-4 is how the IRS issues your Employer Identification Number (EIN) — required before you can open a business bank account or get insured under your entity. We file it as part of setting up your LLC or corporation.
Driving record search (CA & TX)
We pull driving record searches for California and Texas drivers before they're added to your policy, so any issues on a driver's record are caught before they affect your rate or your authority.
One point of contact, from your first filing to your tenth truck
Whether you're setting up your very first authority or adding units to a growing fleet, the same team handles the entity, the filings, and the coverage.
Certificates of insurance, on your phone, 24/7
Once you're covered, our app keeps your certificates one tap away — no calling the office, no waiting until Monday.
- Pull a certificate at 2 a.m. before a load, not just 9-to-5
- Send proof of coverage straight from the app to a broker or shipper
- See your active policies and filing status in one place
Ready to see what it costs to get covered?
Tell us about your operation and a licensed agent will call you back with real numbers.
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