Free Book · 12 Chapters · 2027 Edition
The New Authority
How to Start a Trucking Company in 2027, Survive Year One, and Keep More of Every Mile
By Nazar Mamaev, founder and president of Full Coverage LLC. Licensed in every state but AK, HI and MA.
$300 buys your authority number. It buys nothing else.
Our own 2026 quotes for one truck on a new authority ran $25,000 to $45,000 and up for year one. The average truck costs $2.34 a mile to operate. And 31,200 drivers were put out of service for English proficiency by September 2026. The carriers who survive year one aren't luckier than you. They know the numbers before the numbers know them.
So we wrote the book. It's free. No catch.
Three parts. Twelve chapters.
- Part I — Launch (Weeks 0–8): Decide like an owner. Set up the LLC right. Run the Paperwork Gauntlet (USDOT, MC, BOC-3, UCR, IRP, IFTA, 2290, Clearinghouse) as one master sequence with costs. Get your money lined up before your miles.
- Part II — Survive (Months 1–18): The Coverage Stack: every policy in plain English, including the endorsements most brokers never mention. The Underwriter's Scorecard: how insurers actually price a new authority, and how to become the carrier they compete for. Plus CSA scores, roadside inspections, and freight that actually pays.
- Part III — Scale (Year 2+): Hiring drivers who stay. The tech that lowers your premium. Cost-per-mile discipline. When to add the next truck.
Every chapter ends with DO THIS NOW steps. Real numbers throughout. No filler.
Why is it free?
Nazar puts it plainly: “I'm an insurance broker. I make money when trucking companies survive. My incentive is your survival.” He works with many commercial trucking carriers and specializes in new authorities and small fleets. Full Coverage is licensed in every state except Alaska, Hawaii and Massachusetts, plus Washington, D.C.
New Authority Truck Insurance: What We Need to Quote You
New authority truck insurance is the primary liability your insurer files with FMCSA, plus cargo and physical damage. FMCSA only registers a carrier after its insurer files proof of security, so start the quote while your MC application is pending.
What we need to quote
- USDOT number and your pending MC number
- Your company name exactly as registered, plus any DBA
- VIN and value for each truck and trailer
- Each driver's license number, date of birth, years of CDL experience and prior employers
- What you haul and your radius
- The date you want the policy to become active
The full list, and why underwriters ask for each item: trucking insurance quote checklist.
Markets we quote directly
We submit every new authority to our direct carriers. We are appointed directly with Progressive, GEICO and Berkshire Hathaway Homestate, so we run their quotes in their own systems ourselves. Specialty markets such as Canal Insurance, Liberty Mutual and Kinsale come through wholesale partners when a file needs them.
How fast
New authorities with no prior insurance can often be quoted same-day. Same-day binding is possible once your operating authority is active in FMCSA, your MVR and CDL meet underwriting, and you can pay the down payment by ACH.
Quoted the same way: Hot shot trucking insurance · Box truck insurance · Freight broker insurance and BMC-84 bond
FAQs
Who is this book for?
Anyone getting their authority in 2027 — first-time owner-operators, drivers making the leap, or dispatchers who want to understand what their carriers are up against. If you already have 3+ years of authority and a stable book of business, Part I is review; Parts II and III still have material you can use.
Is this the same as the trucking insurance cost report?
No. The 2026 Cost Report is a data document — 50-state benchmarks, broker placements, ATRI figures. The New Authority is a narrative book: operational, opinionated, and built for someone starting from zero. They complement each other; neither replaces the other.
What's the “Underwriter's Scorecard” in Chapter 6?
Your insurance premium isn't a price. It's a score. Underwriters evaluate your authority age, safety record, CSA BASIC scores, driver history, commodity, and radius before they set your rate. Chapter 6 walks through every factor and tells you exactly which ones move the needle — and which direction.
Why is the toolkit separate from the book?
The toolkit is three printable one-pagers (checklist, timeline, worksheet). Easier to use at a desk or on a clipboard than hunting through chapters. No email required for the toolkit — get it at /new-authority-toolkit.
Can I share this with other carriers?
Yes. Forward the email, share the link, print it out. Attribution: “The New Authority by Nazar Mamaev, Full Coverage LLC.” Link to myfullcoverage.com/new-authority.