by Kamyar Shah | Jul 15, 2026 | blog, Freight Insurance
Owner-operator fleets rarely lose money on rates. They lose it in the gap between the rate booked and the cost actually incurred, which most carriers cannot measure by lane or by truck. Without a per-mile cost at that resolution, unprofitable freight is invisible...
by Kamyar Shah | Jun 17, 2026 | blog, Freight Insurance
DOT compliance is the set of records and practices a motor carrier must maintain to operate legally. Most small carriers run it through a single individual who also holds another full-time role. That arrangement works until it does not, and its failure mode is a...
by Kamyar Shah | May 20, 2026 | blog, Freight Insurance
Cargo insurance covers freight in the care of the carrier against loss or damage. For most small fleets, it is among the highest costs after fuel and equipment, and it is the one negotiated with the least preparation. Carriers arrive at renewal with whatever the...
by Kamyar Shah | May 15, 2026 | Freight Insurance
Getting your first trucking company’s insurance is one of the most expensive and frustrating parts of starting a motor carrier operation. New authorities face premium rates 2–3x higher than established carriers, coverage denials from standard insurers, and a...
by Kamyar Shah | May 15, 2026 | Freight Insurance
Hauling hazardous materials is among the most regulated activities in commercial trucking. The FMCSA requires significantly higher insurance minimums for hazmat carriers than for standard freight, and additional permits and registrations apply depending on the...
by Kamyar Shah | May 15, 2026 | Freight Insurance
Freight brokers are not motor carriers, and the FMCSA knows it. Rather than requiring brokers to carry motor carrier liability insurance, the agency created a separate financial responsibility requirement that reflects the broker’s actual role: connecting...
by Kamyar Shah | May 15, 2026 | Freight Insurance
Many motor carriers search for “FMCSA cargo insurance requirements” expecting to find a federally mandated coverage amount. The honest answer surprises them: FMCSA does not require cargo insurance for most property-carrying motor carriers. What the agency...
by Kamyar Shah | May 15, 2026 | Freight Insurance
Cargo insurance is one of the most misunderstood parts of a trucking company’s insurance program. Many carriers assume the federal insurance minimums cover everything — including the freight they’re hauling. They don’t. The FMCSA’s $750,000...
by Kamyar Shah | May 15, 2026 | Freight Insurance
The Federal Motor Carrier Safety Administration sets federal floor on how much liability insurance a trucking company must carry before it can haul freight in interstate commerce. Getting that number wrong — either by carrying too little or by misunderstanding what...
