Trucking Startup Cost Calculator
What standing all this up costs before the first load.
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For-hire authority to carry non-hazardous property in a vehicle rated 10,001 lb or more requires public liability cover of $750,000. Hazardous loads go to $1,000,000 or $5,000,000 depending on the commodity.

Operating authority is permission to transport regulated commodities for hire — to be paid by someone else to move their freight. A private carrier moving its own goods needs a USDOT number and no authority at all. Carry exempt commodities only — unprocessed agricultural products are the classic case — and you may also not need it.
Authority also comes in kinds. Motor carrier of property, motor carrier of passengers, broker and freight forwarder are separate grants with separate financial requirements, and holding one does not let you do another. A carrier who starts brokering a load to a friend needs broker authority and the $75,000 bond that goes with it.

| Filing | Who files it | Amount |
|---|---|---|
| Public liability (BMC-91 or 91X) | Your insurer, directly | $750,000 |
| Hazardous, non-bulk | Your insurer | $1,000,000 |
| Hazardous, bulk | Your insurer | $5,000,000 |
| Designation of process agent (BOC-3) | A process agent service | Per state of operation |
You cannot file the insurance yourself. The insurer files it, which means the clock starts when your policy binds — not when you pay the application fee.
Nothing here rewards paying for speed. The protest window is fixed, and the fastest applications are simply the ones whose insurance and BOC-3 were ready on day one.
Authority lapses when the insurance lapses. An insurer that cancels files a cancellation, and the authority is revoked on a short clock — usually before anyone in the office notices the policy is gone. Pair the renewal date with the UCR filing and the biennial update so all three sit on one calendar.
Out-of-service risk. Operating for hire without active authority is one of the findings that puts a carrier out of service immediately, and it is trivially visible to any enforcement officer with the number.
What standing all this up costs before the first load.
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