Blog
Trucking insurance news, tips, and industry insights.
What is a CSA Score? How It Affects Your Insurance (2026)
A CSA score (Compliance, Safety, Accountability score) is a numerical rating system used by the Federal Motor Carrier Safety Administration (FMCSA) to measure the safety performance of commercial motor carriers and drivers. CSA scores are based on data from roadside inspections, crash reports, and investigation results — and they directly affect your ability to get [ ]
Read →What is MCS-90? Everything Truckers Need to Know (2026)
An MCS-90 endorsement is a federal filing attached to a commercial trucking insurance policy that guarantees minimum public liability coverage for bodily injury, property damage, and environmental restoration caused by a commercial motor vehicle. Required by the FMCSA under 49 CFR Part 387, the MCS-90 ensures that even if your policy has exclusions or lapses, [ ]
Read →How Much Does Trucking Insurance Cost? 2026 State-by-State Guide
Trucking insurance costs vary dramatically depending on your state, truck type, commodity, and driving history. This guide breaks down average commercial truck insurance costs by state for 2026, explains the key rate factors, and shows you how to find the lowest rate for your operation. Average Trucking Insurance Cost by State (2026) These are annual [ ]
Read →How to Get Your New Authority Insured in 24 Hours (2026 Guide)
Congratulations — you just got your MC number. Now your dispatcher is calling, you have a load ready to go, and you need insurance today. Here’s exactly how to get your new authority insured in 24 hours or less. What “New Authority” Means for Insurance When the FMCSA grants you operating authority (your MC number), [ ]
Read →Owner-Operator vs Motor Carrier Insurance: Key Differences (2026)
Learn the key differences between owner-operator insurance and motor carrier fleet insurance — coverage requirements, costs, and when to get your own authority.
Read →Trucking Insurance 101: Everything Owner-Operators Need to Know (2026 Guide)
Learn what trucking insurance you need, how much it costs, and how to avoid the 5 most common mistakes. A plain-language guide for owner-operators and new authorities from Full Coverage LLC.
Read →Understanding Commercial Truck Insurance Deductibles
Deductibles are one of the most commonly misunderstood components of a commercial truck insurance policy. Many truckers just accept whatever deductible their broker quotes without understanding how it affects their premium, their cash flow when a claim occurs, or how to use deductible selection strategically. This guide explains everything you need to know about commercial [ ]
Read →Can You Get Trucking Insurance with Violations or a Bad Safety History?
If you have violations on your MVR, a poor CSA score, or a history of accidents, getting trucking insurance can feel impossible. Many brokers and standard carriers will simply turn you away. But here is the reality: the non-standard trucking insurance market exists specifically for operators in difficult situations — and with the right broker [ ]
Read →Motor Truck Cargo Insurance: Complete Guide for Truckers
Motor truck cargo insurance is one of the most important — and most misunderstood — coverages in commercial trucking. While most owner-operators understand they need liability insurance, cargo coverage is often treated as an afterthought. That is a costly mistake. A single large cargo claim can exceed your annual insurance premium many times over. This [ ]
Read →Trucking Insurance with a New DOT Number: What You Need to Know
Getting trucking insurance with a new DOT number is one of the most challenging situations in the commercial trucking insurance market. Rates are higher, options are more limited, and the underwriting process is more intensive. But it is absolutely possible to get quality coverage — and understanding why new authorities are treated the way they [ ]
Read →Owner-Operator Leased On vs. Leased Off: Insurance Guide
As an owner-operator, one of the most important and most confusing insurance decisions you will face is understanding what coverage you actually need depending on your working arrangement. Whether you are leased on to a motor carrier or running under your own authority independently, your insurance obligations and exposures are fundamentally different. Getting this wrong [ ]
Read →Trucking Insurance After an Accident: What to Expect
An accident is one of the most stressful events a trucker can face. Beyond the immediate physical and emotional toll, there are significant financial and insurance implications that can affect your business for years. This guide walks you through exactly what to expect after a trucking accident — from the claims process to how your [ ]
Read →