Complete Owner-Operator Insurance Checklist for New Authority
•TruckSafe
13-Point Insurance Checklist
- ☐ USDOT number active
- ☐ MC number active (BMC-91 filed)
- ☐ BOC-3 on file
- ☐ UCR current year
- ☐ Drug & Alcohol consortium membership
- ☐ FMCSA Clearinghouse registered
- ☐ $1M CSL primary liability
- ☐ $100K cargo
- ☐ Physical damage matching truck value
- ☐ Bobtail (if leased to carrier)
- ☐ NTL for personal use
- ☐ Workers Comp (if W-2 drivers)
- ☐ All COIs current at shippers
FAQ
What insurance do I need as new owner-operator?+
13-point checklist: USDOT + MC active, BOC-3, UCR, Drug & Alcohol, Clearinghouse, $1M CSL liability, $100K cargo, physical damage, bobtail, NTL, optional WC, current COIs.