01
Authority stage
Applied, pending, active, or still planning—we’ll record where the operation stands now.
Kousa Insurance · California license 0H51533 · NPN 22222940Verify with California Department of Insurance
New venture & new authority trucking · California
New venture truck insurance without the guesswork.
Start with the authority, vehicle, cargo, radius, and filing details underwriters will ask about—then work with a licensed agent on eligible options.
- New USDOT and MC authority welcome for review
- Clear next-step checklist for underwriting
- No promise of instant authority or guaranteed approval
Prefer a person?Call (310) 923-0509
Free quote request
Tell us about the new operation
No authority number yet? That’s okay. Start with what you know today.
Step 1 of 3Your operation
Photo: Omar Gerardo / Pexels
Licensed agency
California license 0H51533 · NPN 22222940
No lead resale
We do not sell or resell your contact information as a lead.
Focused first step
No SSN, payment details, or driver-license upload.
Human help available
Call the agency if you would rather talk through it.
To fulfill your requested quote, relevant information may be shared with insurers, wholesalers, rating or data vendors, and service providers as described in our privacy policy.
Trucking-specific intake
A cleaner start for a new authority
New ventures are evaluated on more than the age of the business. A complete, consistent picture of the operation can reduce avoidable back-and-forth with an underwriter.
02
Driver experience
CDL history, driving records, and relevant equipment experience can affect eligibility.
03
Equipment & cargo
Vehicle value, GVWR, trailer type, commodities, and load value shape the coverage request.
04
Routes & contracts
Radius, states traveled, broker requirements, and planned contracts can change required limits.
Coverage building blocks
Name the coverage. Then read the terms.
Not every trucking operation needs every option. Policy terms, schedules, limits, deductibles, and exclusions determine what is actually covered.
Start my operation reviewAuto liability
May help pay covered third-party bodily injury and property damage arising from the use of covered autos. Limits and filing needs depend on the operation.
Physical damage
Collision and comprehensive or specified-causes coverage for scheduled tractors and trailers, subject to valuation, deductibles, terms, and exclusions.
Motor truck cargo
May cover the motor carrier’s legal liability for qualifying covered loss or damage to cargo in its care, custody, or control. Commodity, theft, reefer, and unattended-vehicle terms matter.
Trailer interchange
May cover sums the insured is legally obligated to pay for covered damage to a qualifying non-owned trailer in its possession under a written trailer-interchange agreement.
Non-trucking liability
For certain non-business use by leased-on owner-operators, subject to policy and lease terms. It is not automatically the same as bobtail use.
General liability
May cover certain non-auto premises and operations liability. It does not replace commercial auto liability.
What happens next
A short lead form. A real underwriting conversation.
The page collects enough to route the request without pretending a complex trucking risk can be fully quoted in a few clicks.
STEP 01
Share the operation
Start with authority status, equipment, unit count, cargo, radius, timing, and current coverage.
STEP 02
Agent review
A licensed commercial-lines agent confirms missing underwriting details and identifies eligible markets.
STEP 03
Compare next steps
Review available terms, limits, deductibles, exclusions, payments, and any required filings before choosing.
Federal requirements, stated carefully
“FMCSA compliant” is not one universal limit.
Authority type, cargo, vehicle weight, commerce, and hazardous materials can change the required financial responsibility. Federal floors may not satisfy state law or a contract.
Review the current FMCSA filing chart$750K
The federal public-liability minimum for many for-hire interstate or foreign nonhazardous property carriers using vehicles with a GVWR of 10,001 pounds or more. Different federal, state, and contract limits may apply.
Higher limits can apply
Certain oil, hazardous-material, hazardous-waste, passenger, or contract exposures can require or call for more.
The insurer files
When required, the insurer or registered filer submits proof to FMCSA after eligible coverage is bound.
Kousa Insurance: licensed and accountable
Truscott Inc. transacts California insurance business as Kousa Insurance and handles this California campaign. We are an independent insurance producer, not an insurer and not affiliated with FMCSA or USDOT. We do not sell or resell your contact information as a lead.
California license 0H51533 · NPN 22222940
13564 Village Park Dr., # O-325, Orlando, FL 32837
Questions before you start
Commercial trucking insurance FAQ
No obligation to start
Start the insurance work before the first load.
Share the operating snapshot now. A licensed agent will confirm what is still needed before requesting terms from an eligible insurer.