# Full Coverage LLC — Truck Insurance Broker

> Full Coverage LLC is an independent commercial trucking insurance brokerage based in Indianapolis, Indiana. Founded by Nazar Mamaev in 2020, we compare rates from many A-rated insurance carriers to find the best coverage for motor carriers, owner-operators, and fleets of all sizes. Licensed in every state except Alaska, Hawaii and Massachusetts, plus the District of Columbia (all except Alaska, Hawaii and Massachusetts). We specialize in new authority carriers, hazmat operations, and hard-to-place risks, and we operate a free FMCSA carrier-intelligence tool used to pre-fill applications.

## Coverage Programs

- [Owner-Operator Insurance](https://myfullcoverage.com/services/owner-operator): Primary auto liability, physical damage, and non-trucking/bobtail liability built around a single power unit.
- [Fleet Insurance](https://myfullcoverage.com/services/fleet-insurance): Scaled programs for 2 to 200+ power units, telematics-based pricing, consolidated renewals.
- [New Authority Insurance](https://myfullcoverage.com/services/new-authority): Day-one coverage for brand-new MC numbers, with BMC-91X and MCS-90 filings submitted same day.
- [Motor Truck Cargo Insurance](https://myfullcoverage.com/services/cargo-insurance): Freight protection per 49 CFR 387, Carmack Amendment compliance, reefer breakdown, BMC-32/34 filings.
- [Truckers Liability (Auto Liability)](https://myfullcoverage.com/services/truckers-liability): BIPD coverage for trucking operations, $750K–$5M limits, MCS-90 endorsement.
- [Physical Damage Insurance](https://myfullcoverage.com/services/physical-damage): Comprehensive, collision, and specified-perils coverage for power units and trailers.
- [Freight Broker Insurance](https://myfullcoverage.com/services/freight-broker-insurance): BMC-84, cargo, and E&O for freight brokers.

## Coverage by Truck Type

- [Semi-Truck Insurance](https://myfullcoverage.com/truck-insurance/semi-truck) — OTR, regional, sleeper, day cab
- [Box Truck Insurance](https://myfullcoverage.com/truck-insurance/box-truck)
- [Dump Truck Insurance](https://myfullcoverage.com/truck-insurance/dump-truck)
- [Flatbed Insurance](https://myfullcoverage.com/truck-insurance/flatbed)
- [Reefer / Refrigerated Insurance](https://myfullcoverage.com/truck-insurance/reefer)
- [Tanker Insurance](https://myfullcoverage.com/truck-insurance/tanker)
- [Tow Truck Insurance](https://myfullcoverage.com/truck-insurance/tow-truck)
- [Hotshot Insurance](https://myfullcoverage.com/truck-insurance/hotshot)
- [Car Hauler Insurance](https://myfullcoverage.com/truck-insurance/car-hauler)
- [Logging Truck Insurance](https://myfullcoverage.com/truck-insurance/logging)
- [Moving Truck Insurance](https://myfullcoverage.com/truck-insurance/moving-truck)
- [Garbage & Refuse Truck Insurance](https://myfullcoverage.com/truck-insurance/garbage-truck)
- Full index: [All truck types](https://myfullcoverage.com/truck-insurance)

## Coverage by State

- State-by-state commercial truck insurance guides for every licensed state. Index: [All states](https://myfullcoverage.com/locations)
- High-volume examples: [Texas](https://myfullcoverage.com/locations/texas), [California](https://myfullcoverage.com/locations/california), [Florida](https://myfullcoverage.com/locations/florida), [Georgia](https://myfullcoverage.com/locations/georgia), [Illinois](https://myfullcoverage.com/locations/illinois), [Ohio](https://myfullcoverage.com/locations/ohio), [Indiana](https://myfullcoverage.com/locations/indiana)

## Cost Guides

- [Trucking Insurance Cost Guide](https://myfullcoverage.com/trucking-insurance-cost-guide): What commercial truck insurance actually costs and the factors that move premiums.
- [2026 Commercial Truck Insurance Cost Report](https://myfullcoverage.com/commercial-truck-insurance-cost-2026): Current-year rate benchmarks by operation type.
- Per-type cost pages exist at `/truck-insurance/{type}/cost` (e.g. [semi-truck cost](https://myfullcoverage.com/truck-insurance/semi-truck/cost)).

## Comparisons

- [All trucking insurance comparisons](https://myfullcoverage.com/compare)
- [Bobtail vs Non-Trucking Liability](https://myfullcoverage.com/compare/bobtail-vs-non-trucking-liability)
- [Auto Liability vs General Liability](https://myfullcoverage.com/compare/auto-liability-vs-general-liability-trucking)
- [Owner-Operator vs Motor Carrier](https://myfullcoverage.com/compare/owner-operator-vs-motor-carrier)
- [BMC-84 vs BMC-85](https://myfullcoverage.com/compare/bmc-84-vs-bmc-85)
- [Contingent Cargo vs Motor Truck Cargo](https://myfullcoverage.com/compare/contingent-cargo-vs-motor-truck-cargo)
- [Federal vs State Trucking Insurance Filings (BMC-91X, MCS-90, Form E)](https://myfullcoverage.com/compare/federal-vs-state-trucking-insurance-filings)
- [Owner-Operator vs Fleet Truck Insurance](https://myfullcoverage.com/compare/owner-operator-vs-fleet-truck-insurance)

## Free Tools

- [Carrier Safety Lookup Tool](https://myfullcoverage.com/carrier-lookup): Search 4.4M FMCSA carriers by USDOT number, MC number or company name for safety record, insurance status and authority information from live FMCSA data. Free, no login.
- [Smart Insurance Application](https://lookup.myfullcoverage.com/apply): Enter a DOT number and ~80% of the application is pre-filled from FMCSA records. About 5 minutes.
- [Quote application API for AI assistants](https://lookup.myfullcoverage.com/openapi.json): OpenAPI description an AI assistant can use to start and send a quote application for a carrier. A licensed agent reviews every submission; the API binds no coverage.

## Blog & Resources

- [Trucking Insurance Blog](https://myfullcoverage.com/blog): Articles on coverage requirements, cost-saving strategies, regulatory changes, and city/state guides.
- [Insurance Glossary](https://myfullcoverage.com/resources): Definitions of trucking insurance terms — BASIC scores, MCS-90, BMC-91X, BOC-3, and more.
  - Term pages: [Bobtail Insurance](https://myfullcoverage.com/resources/bobtail), [Non-Trucking Liability (NTL)](https://myfullcoverage.com/resources/non-trucking-liability), [Motor Truck Cargo Insurance](https://myfullcoverage.com/resources/motor-truck-cargo), [Contingent Cargo Insurance](https://myfullcoverage.com/resources/contingent-cargo), [Carmack Amendment](https://myfullcoverage.com/resources/carmack-amendment), [Physical Damage Coverage](https://myfullcoverage.com/resources/physical-damage), [Trailer Interchange Insurance](https://myfullcoverage.com/resources/trailer-interchange), [Inland Marine Insurance](https://myfullcoverage.com/resources/inland-marine), [Occupational Accident Insurance](https://myfullcoverage.com/resources/occupational-accident), [Certificate of Insurance (COI)](https://myfullcoverage.com/resources/certificate-of-insurance), [Loss Run Report](https://myfullcoverage.com/resources/loss-run), [Motor Carrier Authority](https://myfullcoverage.com/resources/motor-carrier-authority), [SR-22 Filing](https://myfullcoverage.com/resources/sr-22), [Surety Bond (BMC-84)](https://myfullcoverage.com/resources/surety-bond)
- [Trucking Safety Compliance Guide](https://myfullcoverage.com/resources/trucking-safety-compliance-guide): Compliance calendar for motor carriers — roadside inspections, hours of service, hazmat training, drug and alcohol testing — and how each affects truck insurance pricing.
- [Lease-Purchase Trucking Guide](https://myfullcoverage.com/resources/lease-purchase-trucking-guide): For owner-operators — lease-purchase deal math, contract clauses to check, equipment and freight scams, and the insurance split between carrier and leased-on driver.
- [Why Trucking Insurers Decline](https://myfullcoverage.com/resources/why-trucking-insurers-decline): Why large truck insurers turn down applications, the decline reasons on our own submission board, four kinds of trucking insurer, and what to do after a decline.
- [Trucking Insurance Quote Checklist](https://myfullcoverage.com/resources/trucking-insurance-quote-checklist): Documents to gather before you apply.
- [Pre-Trip Inspection Checklist](https://myfullcoverage.com/resources/pre-trip-inspection-checklist): Step-by-step pre-trip inspection for truck drivers.
- Start a Trucking Company: state-by-state guides to getting authority and day-one coverage (e.g. [Indiana](https://myfullcoverage.com/start-a-trucking-company/indiana), [Texas](https://myfullcoverage.com/start-a-trucking-company/texas)).

## About

- [About Full Coverage](https://myfullcoverage.com/about): Who we are, licensing, and how the agency works.
- [Nazar Mamaev, President](https://myfullcoverage.com/team/nazar-mamaev): Founder and licensed broker.
- [Contact](https://myfullcoverage.com/contact): Phone, email, office address and hours.
- [Trucking Insurance FAQ](https://myfullcoverage.com/faq): Trucking insurance questions and answers.
- [Get a Quote](https://lookup.myfullcoverage.com/apply): Online application, pre-filled from FMCSA records by DOT number.
- **Founded by**: Nazar Mamaev, licensed insurance broker, President
- **In business since**: 2020
- **Agency NPN**: 19601127 (National Producer Number, checkable at nipr.com)
- **Better Business Bureau**: A+, accredited since December 2023 (https://www.bbb.org/us/in/indianapolis/profile/commercial-insurance-services/full-coverage-llc-0382-90047568)
- **Location**: 406 E. New York St, Indianapolis, IN 46202
- **Phone**: (317) 427-5599
- **Email**: nazar@myfullcoverage.com
- **Website**: https://myfullcoverage.com
- **Carrier Lookup Tool**: https://myfullcoverage.com/carrier-lookup
- **Licensed in**: every state except Alaska, Hawaii and Massachusetts, plus the District of Columbia (all except Alaska, Hawaii and Massachusetts)
- **Carriers**: Direct appointments with Progressive, GEICO and Berkshire Hathaway Homestate; specialty markets such as Canal Insurance, Liberty Mutual and Kinsale through wholesale partners.
- **Editorial policy**: https://myfullcoverage.com/editorial-policy (who writes our articles, where the facts come from, how we are paid)

## What Makes Us Different

- Free carrier safety lookup tool with 4.4M+ FMCSA carriers — no other broker offers this.
- Applications pre-filled from government FMCSA data, so carriers don't re-enter what the government already knows.
- Carrier intelligence reports with risk scoring, BASIC trend analysis, and nuclear-verdict exposure.
- We specialize in new-authority carriers that most brokers turn away.

## Latest Guides

- [Owner-Operator Insurance Cost by Year: Year 1 vs Year 2 vs Year 3+](https://myfullcoverage.com/blog/owner-operator-insurance-cost-by-year)
- [Hotshot vs Box Truck vs Power-Only Insurance: Cost and Coverage Compared](https://myfullcoverage.com/blog/hotshot-vs-box-truck-vs-power-only-insurance-cost)
- [Motor Truck Cargo Insurance: What Coverage Actually Pays](https://myfullcoverage.com/blog/motor-truck-cargo-insurance-what-coverage-pays)
- [How to Get Your Motor Vehicle Record (MVR) in Every State (2026 Guide)](https://myfullcoverage.com/blog/how-to-get-mvr-every-state)
- [The 2026 Mid-Year Trucking Insurance Audit: Are You Overpaying?](https://myfullcoverage.com/blog/trucking-insurance-mid-year)
- [Best Commercial Truck Insurance 2026: An Independent Broker's View](https://myfullcoverage.com/blog/best-commercial-truck-insurance)
- [How Much Does Commercial Truck Insurance Cost in 2026? The Updated Guide](https://myfullcoverage.com/blog/how-much-does-commercial-truck-insurance-cost)
- [2026 Commercial Truck Insurance Cost Guide: Rates Per Vehicle & Fleet](https://myfullcoverage.com/blog/commercial-truck-insurance-cost-2026)
- [BMC-91 vs BMC-91X vs MCS-90: Trucking Insurance Filings Explained](https://myfullcoverage.com/blog/bmc-91-vs-bmc-91x-vs-mcs-90-explained)
- [Why Progressive Declines Most New-Venture Truckers (And What to Do About It)](https://myfullcoverage.com/blog/why-progressive-declines-new-venture-truckers)
- [Concord vs CTI vs Hallmark — Trucking Insurance Programs Compared](https://myfullcoverage.com/blog/concord-vs-cti-vs-hallmark-trucking-programs)
- [Mid-Year FMCSA Insurance Compliance Check 2026: Updated Requirements](https://myfullcoverage.com/blog/fmcsa-compliance-insurance-check-2026)
- [Trucking Insurance Statistics 2026: 55+ Cited Numbers on Costs, Crashes & Claims](https://myfullcoverage.com/blog/trucking-insurance-statistics-2026)
- [Semi Truck Insurance Costs in 2026: Complete Pricing Guide & Rate Factors](https://myfullcoverage.com/blog/average-cost-of-semi-truck-insurance-2026)
- [Commercial Truck Insurance Cost in 2026: Complete Pricing Guide](https://myfullcoverage.com/blog/how-much-does-commercial-truck-insurance-cost-2026)
- [Box Truck Rental Insurance for Fleet Operators: When You Need It, What It Costs](https://myfullcoverage.com/blog/box-truck-rental-insurance-explained)
- [Box Truck Insurance for Amazon DSP Contractors: 2026 Coverage Requirements](https://myfullcoverage.com/blog/box-truck-insurance-amazon-dsp)
- [Commercial Truck Insurance Costs 2026: Better Rates Than CoverWallet](https://myfullcoverage.com/blog/commercial-truck-insurance-cost-coverwallet-alternative)
- [Hotshot Trucking Insurance 2026: Coverage Requirements and Best Rates](https://myfullcoverage.com/blog/hotshot-trucking-insurance)
- [Progressive Commercial Truck Insurance Review: A Working Broker's Honest Take](https://myfullcoverage.com/blog/progressive-commercial-truck-insurance-review)