Starting a Trucking Business? Here's What You Need to Know

Starting a Trucking Business? Here's What You Need to Know

Launching your own trucking company can feel overwhelming—but you don’t have to figure it all out alone. At GIA Group, LLC, we help new ventures hit the road with confidence, fast coverage, and helpful support. Before you buy your first load board subscription or sign your first contract, here’s what to do.

Steps

Step-by-step setup
for new trucking
businesses

1. Talk to a professional

Before anything else, consult your CPA or business attorney to set up an appropriate business structure.

2. Register your business

Create your legal entity with:

Your state’s Secretary of State office

Your state’s Secretary of State office

Your state’s Secretary of State office

The IRS for your Employer Identification Number (EIN)

The IRS for your Employer Identification Number (EIN)

The IRS for your Employer Identification Number (EIN)

3. Get your FMCSA authority

USDOT number

USDOT number

USDOT number

MC number (if operating for hire in interstate commerce)

MC number (if operating for hire in interstate commerce)

MC number (if operating for hire in interstate commerce)

4. File BOC-3

Designate a process agent to file Form BOC-3. You can choose one from FMCSA’s list at fmcsa.dot.gov/process-agents

5. Complete UCR registration

The Unified Carrier Registration is required for most interstate carriers. File at ucr.gov

6. Apply for IFTA

If you plan to cross state lines in a qualifying vehicle, you’ll need an IFTA license and decals. 

This applies to:

Any truck over 26,000 lbs with 2 axles

Any truck over 26,000 lbs with 2 axles

Any truck over 26,000 lbs with 2 axles

Any truck with 3 or more axles

Any truck with 3 or more axles

Any truck with 3 or more axles

Any combination over 26,000 lbs

Any combination over 26,000 lbs

Any combination over 26,000 lbs

7. Register for Drug & Alcohol testing

Enroll in a compliant drug and alcohol testing program and register with the FMCSA Clearinghouse: clearinghouse.fmcsa.dot.gov

8. Purchase Commercial Truck Insurance

To activate your FMCSA authority, your commercial auto policy must include the required federal filings.

Liability and cargo coverages must be properly endorsed for your operation type, while physical damage and general liability are optional but strongly recommended for broader protection.

Contact us to get the right coverage today.

9. Don’t forget roadside coverage

Breakdowns can happen at the worst times. Through our partnership with RoadsideMASTERS, GIA Group, LLC clients can access:

24/7 roadside assistance

24/7 roadside assistance

24/7 roadside assistance

Nationwide towing, tire, and fuel services

Nationwide towing, tire, and fuel services

Nationwide towing, tire, and fuel services

Coverage across the U.S. and Canada

Coverage across the U.S. and Canada

Coverage across the U.S. and Canada

A red steel bridge spanning a calm river surrounded by green hills at sunset — symbolizing GIA Group, LLC’s role in helping new trucking businesses build strong foundations and move forward with confidence.

Need help getting insured?

Launching a trucking business is a big step—and choosing the right insurance at a fair, transparent rate is key to protecting your investment. At GIA Group, LLC, we make sure new ventures start strong with compliant coverage and straightforward pricing you can trust.

A red steel bridge spanning a calm river surrounded by green hills at sunset — symbolizing GIA Group, LLC’s role in helping new trucking businesses build strong foundations and move forward with confidence.

Need help getting insured?

Launching a trucking business is a big step—and choosing the right insurance at a fair, transparent rate is key to protecting your investment. At GIA Group, LLC, we make sure new ventures start strong with compliant coverage and straightforward pricing you can trust.

A red steel bridge spanning a calm river surrounded by green hills at sunset — symbolizing GIA Group, LLC’s role in helping new trucking businesses build strong foundations and move forward with confidence.

Need help getting insured?

Launching a trucking business is a big step—and choosing the right insurance at a fair, transparent rate is key to protecting your investment. At GIA Group, LLC, we make sure new ventures start strong with compliant coverage and straightforward pricing you can trust.

Coverage

What insurance does a new trucking business need?

What insurance does a new trucking business need?

If you're setting up your authority or just bought your first truck,
here are the most common coverage types:

If you're setting up your authority or just bought your first truck,
here are the most common coverage types:

Primary Auto Liability

Required by the FMCSA to get your DOT and MC number active.

Primary Auto Liability

Required by the FMCSA to get your DOT and MC number active.

Motor Truck Cargo

Protects the freight you haul against loss or damage.

Motor Truck Cargo

Protects the freight you haul against loss or damage.

Physical Damage

Covers your truck and trailer in case of collision, theft, or fire.

Physical Damage

Covers your truck and trailer in case of collision, theft, or fire.

General Liability

Helps cover risks outside the truck (e.g., customer property damage).

General Liability

Helps cover risks outside the truck (e.g., customer property damage).

Non-Trucking Liability (Bobtail)

Covers you when you’re not under dispatch.

Non-Trucking Liability (Bobtail)

Covers you when you’re not under dispatch.

Occupational Accident

Optional but important if you’re not covered by workers’ comp.

Occupational Accident

Optional but important if you’re not covered by workers’ comp.

Cost explanation

What does it cost to insure a new trucking business?

A red semi-truck parked on a lot under clear skies — representing startup trucking businesses preparing to get insured and hit the road with GIA Group, LLC.

Insurance for new ventures is typically higher due to limited driving history. Rates vary by:

Your truck type and value
Your truck type and value
Your truck type and value
Operating radius (local vs. interstate)
Operating radius (local vs. interstate)
Operating radius (local vs. interstate)
Type of cargo
Type of cargo
Type of cargo
Your driving and claims record (if available)
Your driving and claims record (if available)
Your driving and claims record (if available)

On average, new authority policies range from $12,000–$20,000 per truck annually.
We’ll help you reduce costs where possible—like higher deductibles or safety programs.

Our advantages

How GIA Group, LLC
helps first-time truckers

How GIA Group, LLC
helps first-time truckers

Fast quotes

get coverage in place to activate your MC number

Fast quotes

get coverage in place to activate your MC number

Fast quotes

get coverage in place to activate your MC number

Compliance made simple

we ensure you’re compliant with state-specific filings

Compliance made simple

we ensure you’re compliant with state-specific filings

Compliance made simple

we ensure you’re compliant with state-specific filings

Support for lease-on operators

need coverage to lease onto a carrier? We’ve got options

Support for lease-on operators

need coverage to lease onto a carrier? We’ve got options

Support for lease-on operators

need coverage to lease onto a carrier? We’ve got options

Real people, real help

talk to someone who knows trucking—not just insurance

Real people, real help

talk to someone who knows trucking—not just insurance

Real people, real help

talk to someone who knows trucking—not just insurance

Transparent pricing

you pay what you see, no extra charges and fees

Transparent pricing

you pay what you see, no extra charges and fees

Transparent pricing

you pay what you see, no extra charges and fees

Frequently Asked Questions

Common questions
from first-time truckers

1. Do I need insurance before I get my authority?

1. Do I need insurance before I get my authority?

1. Do I need insurance before I get my authority?

2. Can I get a quote before I buy my truck?

2. Can I get a quote before I buy my truck?

2. Can I get a quote before I buy my truck?

3. What if I’m still shopping for a dispatcher or lease-on company?

3. What if I’m still shopping for a dispatcher or lease-on company?

3. What if I’m still shopping for a dispatcher or lease-on company?

Get your quote today

Fast, simple, and tailored to your business.

Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.

By submitting data through this form, you agree to the Privacy Policy and the Terms and Conditions

Get your quote today

Fast, simple, and tailored to your business.

Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.

By submitting data through this form, you agree to the Privacy Policy and the Terms and Conditions

Get your quote today

Fast, simple, and tailored to your business.

Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.

By submitting data through this form, you agree to the Privacy Policy and the Terms and Conditions