Motor Carrier Authority Coverage for Hot Shot Truckers
Your MC number is your license to haul for hire. Motor carrier authority coverage handles the FMCSA filings — MCS-90 endorsement, BMC-91/91X — and the underlying auto liability your authority requires. We get your filings active fast so you\u2019re legal from the first load.
What it covers
- MCS-90 federal endorsement attached to your auto liability policy
- BMC-91 and BMC-91X cargo and freight broker filings
- Auto liability at FMCSA minimum limits or higher as required by shippers
- Interstate and intrastate authority coverage across all 48 states
- New authority programs for carriers just getting started
- Annual filing renewals and compliance monitoring
Who it's for
- New hot shot carriers getting their MC number for the first time
- Owner-operators adding interstate authority to existing USDOT
- Carriers whose broker requires proof of proper FMCSA filings
- Truckers upgrading from intrastate-only to full interstate authority
Why CCA
- We\u2019ve processed hundreds of FMCSA filings — we know what carriers require and what regulators check
- Same-day filings in most cases — your MC number goes active within 24–48 hours
- We spot gaps between your authority type and your cargo coverage before they become problems
- Ongoing compliance support — we flag renewals and status changes so you stay legal
Common questions about motor carrier authority coverage
After filing with FMCSA, new MC numbers typically go active within 21 days from the date of application. However, once your insurance filings are submitted, you can begin hauling for many brokers before the waiting period ends. We guide you through the timeline.
No. Federal motor carrier authority covers all 48 contiguous states. You only need additional state operating authority for certain states (like New York and New Mexico) that require separate intrastate filings — we\u2019ll flag those for your lanes.
FMCSA requires $750,000 in auto liability for general freight. Household goods and hazmat loads require higher limits ($1,000,000 and up). Most brokers require $1,000,000 for any load, so we typically recommend that as a baseline.
Yes. Contractors Choice Agency is licensed in all 50 states and actively writes hot shot trucking programs nationwide. Your agent can write your policy regardless of where you\u2019re based or which states you operate in.
Contact your carrier\u2019s claims department directly using the number on your policy documents, or call us at 844-967-5247 and we\u2019ll assist with the process. We aim to acknowledge all claim contacts within 2 hours during business hours.
Many of our carrier partners offer monthly payment plans, sometimes with a small finance charge. We\u2019ll present payment options when you review your quote so you can choose what works for your cash flow.
NPN 8608479 is the National Producer Number for Contractors Choice Agency — our license identifier with state insurance departments. You can verify our license at the NIPR website using this number.
Call or email us anytime. Mid-term changes — adding a trailer, updating cargo limits, or adding a driver — are processed quickly and we\u2019ll issue updated certificates the same day in most cases.
We work with multiple A-rated commercial trucking carriers and select the best fit for your operation, driving record, and cargo type. We\u2019re not captive agents — we shop the market on your behalf.
Contractors Choice Agency is located at 12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationally by phone and email.
Our agents are available Monday through Friday, 8am to 5pm Mountain Standard Time. You can also submit quote requests online at any time and we\u2019ll respond the next business day.
Yes. Once your policy is bound, we issue your certificate of insurance immediately. Most carriers also provide digital policy documents same-day.
We work with carriers who specialize in non-standard and high-risk trucking accounts. A poor MVR or prior loss history will affect your premium, but we have markets for most situations. Be upfront about your record when requesting a quote.
Yes. Trucks under 26,001 lbs GVWR don\u2019t require a CDL in most states, and many hot shot operators run legally without one. We write programs for both CDL and non-CDL carriers.
Property damage liability (part of your auto liability) covers damage you cause to someone else\u2019s property with your truck. Cargo coverage protects the freight you\u2019re hauling — a different exposure entirely. Both are essential for a complete hot shot program.
If you\u2019re hauling for compensation across state lines, you need an MC number. Intrastate carriers may only need a USDOT number depending on the state. We can help you determine the right authority type for your operation.
Yes. We can pair your trucking program with business owner\u2019s policy (BOP), umbrella, or occupational accident coverage. Bundling can simplify renewals and sometimes reduce overall premium.
Pair it with related coverage
Get a Hot Shot Insurance Quote
FMCSA filings, cargo, and physical damage — quoted fast and bound same-day.