How do I find trucking companies that need insurance?

FMCSA public records show the events that create the need. A daily list such as TruckMorning reads those events and ranks the carriers so you can call the most urgent first.

Which leads should I call first?

Suspension warnings and insurance cancellations first, nearest deadline first. Then new authorities with no insurance on file, then new USDOT numbers, then renewals.

What liability coverage does FMCSA require?

According to FMCSA, $750,000 for for-hire carriers of non-hazardous property in vehicles of 10,001 pounds or more, and $300,000 below that weight. Some cargo types require more.

Who files a new carrier’s insurance with FMCSA?

The insurance company files the required forms electronically on the carrier’s behalf.

How much does TruckMorning cost?

$49 a month for new carriers and $99 a month for Pro. Both include a 7-day free week with a card, and you can cancel any time.

Is there a free sample?

Yes. Request today’s top carriers for your state at truckmorning.com/sample. No card is needed.

Truck insurance leads: find carriers that need coverage today

Q: What are truck insurance leads?

Truck insurance leads are trucking companies with a reason to buy or replace commercial liability coverage soon, such as a cancelled policy, a suspension warning, new operating authority or a renewal.

How truck insurance agents find trucking companies that need liability coverage right now, which signals matter most, and a daily routine that turns them into policies.

What are truck insurance leads?

Truck insurance leads are trucking companies that have a concrete reason to buy or replace commercial auto liability coverage soon. They are different from a generic list of trucking companies because each one is there because of something that just changed.

The signals are public. When a carrier’s insurance is cancelled, when FMCSA warns that authority will be suspended, when a new carrier is granted authority, or when a policy is about 45 days from renewal, the event shows up in FMCSA data. TruckMorning reads those events every day and ranks them for agents.

Start with the free sample at truckmorning.com/sample. It shows today’s top carriers for your state, no card needed.

Why trucking is a good market for agents

Every for-hire carrier must carry liability insurance and prove it to FMCSA. The requirement is not optional and it is checked. That means demand for coverage is steady, and the moments when a carrier has to buy are visible to anyone who looks at the records.

According to FMCSA, a for-hire carrier of non-hazardous property in a vehicle of 10,001 pounds or more must carry $750,000 of liability coverage, and some cargo types carry higher minimums. Overdrive reports that owner-operators can pay $10,000 or more a year for $1 million in primary liability coverage. Premiums on that scale are why a single closed policy can pay for the lead list for a long time.

The signals, from most to least urgent

Suspension warning. FMCSA has set a date after which the carrier’s authority will be suspended unless a new filing is on record. The carrier has to buy coverage and has a date to do it.
Insurance cancelled. The policy ended. The carrier needs a replacement, and a gap can lead to a suspension warning.
New authority with no insurance on file. The carrier cannot start hauling for hire until the filing exists.
New USDOT number. A young company that will need authority and a policy soon.
Renewal coming up. A policy is close to renewal, and the current insurer is shown, so you can compete knowingly.

Work them in that order. TruckMorning ranks the list the same way.

What to say on the first call

Keep it short and specific. You are calling because you saw something in the public record, so say so. Do not read a script.

Opening line for a suspension warning

Hi [name], this is [your name] at [agency]. I’m calling because I saw FMCSA has a notice on [company] about the insurance filing. I help carriers get covered quickly. Do you have a few minutes to go over what you need?

Opening line for a new authority

Hi [name], I saw [company] was just granted authority. Congratulations. Before you can haul, your insurance filing has to be on record with FMCSA. Have you got a policy lined up yet, or would a quote help?

What you need to quote a trucking carrier

Collect the full checklist on the first call so you can send the submission the same day:

Legal name, DBA and garaging address
USDOT and MC numbers
Owner date of birth, CDL number, state and years licensed
Number and type of power units and trailers, with year, make and VIN
Commodities hauled and radius of operation
Loss runs from the last few years, if the carrier has history

Filing and timing facts agents should know

The insurance company, not the carrier, files the insurance forms with FMCSA on a new applicant’s behalf.
The filing forms for liability coverage are BMC-91, BMC-91X or BMC-82.
FMCSA says a $10 filing fee applies for each policy filing.
If filings are not made within 20 days of FMCSA Register publication, the application is dismissed unless the entity complies within 60 days.
Insurers file electronically through an e-Filer account, and FMCSA says applications for one can take up to 4 weeks.

Knowing these helps you explain the process to a carrier and move quickly on the filing.

A daily routine that works

Before 10 AM Eastern, open TruckMorning’s list in your inbox.
Call the top carriers, starting with the nearest suspension date.
Email anyone you did not reach. Keep it to a few lines.
Log every call in your CRM from the spreadsheet attached to the email.
Check the follow-up list the next day. Three touches is plenty.

Pricing

TruckMorning’s New carriers plan is $49 a month. Pro is $99 a month and adds suspension warnings, insurance cancellations and renewals. Both start with a 7-day free week with a card, and you pay nothing if you cancel during the week.