Blog category
Cost Guides
How trucking insurance and motor carrier business costs actually work — drivers, structures, and frameworks for evaluating quotes.
6 posts in Cost Guides.
How much does it cost to start a trucking company in 2026? A complete startup cost breakdown for owner-operators
A CPCU breakdown of every startup cost a new motor carrier faces in 2026 — authority, equipment, ELD, IRP, IFTA, BOC-3, HVUT, insurance, and cash reserves.
Read post →New authority insurance: why first-year trucking policies cost the most and what you can do about it
CPCU explains why new-authority trucking insurance prices at a premium — surplus lines markets, no loss history, no tenure — and what changes at month 13.
Read post →Liability limits explained: why brokers require $1 million and FMCSA only requires $750,000
A CPCU explains the gap between the FMCSA financial-responsibility minimum and the $1M liability limit brokers and shippers require on every load.
Read post →Physical damage coverage on a financed truck: how the lienholder, the carrier, and the cargo move together
A CPCU walks physical damage coverage on a financed truck — stated value vs ACV vs agreed value, gap coverage, and lienholder requirements.
Read post →What drives trucking insurance premiums up — and what brings them down: the rating factors explained by a CPCU
Chartered Property Casualty Underwriter walks the rating factors that move trucking insurance premiums — radius, commodity, fleet age, MVR, CSA, and more.
Read post →How a reefer breakdown claim actually plays out under motor truck cargo coverage
A CPCU walks the reefer breakdown claim process — proof of loss, refusal documentation, deductible interaction, breakdown vs spoilage exclusions.
Read post →Get a trucking insurance quote
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