New MC Authority
New authority insurance — activate your MC number the right way.
BMC-91 filings, MCS-90 endorsement, and the coverage you need to legally roll on day one.
What we set up for new authority
- Primary auto liability
- MCS-90 federal endorsement
- BMC-91 filing to FMCSA
- Motor truck cargo
- Physical damage
- General liability
- Trailer interchange
- UCR & BOC-3 guidance
What's a BMC-91?
It's the FMCSA proof-of-insurance filing your insurer submits to activate your operating authority. Without it, your MC number stays pending.
How long until my authority activates?
Usually 21 days from MC number issuance, once the BMC-91 filing and UCR/BOC-3 are in place.
Why is new-authority insurance so expensive?
Underwriters price the first 12 months high because new carriers have no loss history and higher accident frequency. Rates drop meaningfully at 12 and 24 months of clean operation.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.