Guides for commercial truck insurance agents
How FMCSA insurance data works, where trucking insurance leads come from, and how to read them without wasting calls. Written from the same public files our lists are built on.
Finding leads
Where trucking insurance prospects come from and when to call them.
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How to find trucking companies whose insurance is cancelling
Where pending trucking insurance cancellations show up in public FMCSA data, how to tell a real lead from a carrier that already switched, and when to call.
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New authority trucking leads: why days 10 to 21 matter
New trucking companies must have insurance on file before they can haul. Here is when new carriers get their MC number, and the window to reach them first.
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How trucking insurance renewal dates are estimated from FMCSA data
FMCSA publishes when a truck liability policy starts, never when it ends. How renewal dates are estimated, where the estimate goes wrong, and when to call.
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What is an x-date in commercial truck insurance?
The x-date is when a trucking prospect's policy expires and it is ready to shop. How agents find x-dates, how far ahead to call, and why most are estimates.
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How to prospect owner-operators without breaking calling rules
Owner-operators often list a personal cell with FMCSA. What TCPA and Do-Not-Call rules mean for truck insurance agents, and a safe way to make the call.
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FMCSA rules
The federal filings and requirements behind every trucking insurance conversation.
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What is a BMC-91X filing? A guide for truck insurance agents
What the BMC-91 and BMC-91X insurance filings are, who files them with FMCSA, what each filing shows, and how agents can use the public record to find leads.
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Why "no FMCSA insurance filing" does not mean uninsured
Which trucking companies must file insurance with FMCSA and which never will, so you stop calling covered carriers as if they were uninsured.
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MCS-150 biennial updates: the rule, the schedule and why agents care
Every carrier with a USDOT number must update its MCS-150 every two years on a schedule set by its DOT number. How the rule works and why it matters to agents.
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USDOT number vs MC number: what each one means for insurance
A USDOT number is registration; an MC number is permission to haul for hire across state lines. Who needs which, and what each one tells an insurance agent.
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FMCSA insurance requirements by operation type
Federal minimum liability by operation: $750,000 for general freight, $1 million or $5 million for hazmat, passengers and movers, per 49 CFR 387.
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BOC-3 filing explained: process agents for new trucking companies
A BOC-3 names a process agent in each state for a carrier or broker. Who must file it, why authority waits on it, and how it fits beside the insurance filing.
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