Mayflower Insurance

commercial truck

Everything About Operating Authority In FMCSA

Everything About Operating Authority In FMCSA

Do you feel like you need clarification with fmcsa portal compliances? Or do you look for in-depth results regarding FMCSA operational authority policies? Then you are on the right platform. We are here to guide you from scratch about the FMCSA operating authority compliances. Thus, If you belong to a truck company, you can get aware of all the details which the transport regulation authority i.e FMCSA demands from every truck organization.

What Is Operating Authority In FMCSA?

FMCSA operating authorities are a few of the additional compliance standards which are defined in series for different truck organizations. A truck company may implement one or more than one operational authority category(series) depending on their type of trucking business & cargo transport category. Furthermore, Operational authorities are a kind of additional authorities that a truck company may or may not need to implement apart from fulfilling DOT compliance requirements. So, if you already own a dot number and fulfill the DOT registration requirements(initial stage), then you become eligible to move with FMCSA operational authority compliances. Therefore, By fulfilling FMCSA operating authority criteria, your truck business gets eligible to execute regular operations.

What Are The Types Of Operating Authorities Under FMCSA?

A truck company needs to have a suitable operating authority that matches its trucking nature demand. A perfect Operating Authority makes a truck business suitable to safely & lawfully execute interstate business. At the same time, while buying a compatible trucking insurance coverage scheme. Therefore, a truck owner must be aware of different types of Operating Authorities to select the relevant one for supporting his business.

Motor Carrier Of Property (Except Household Goods)

This operating authority transports regular commodities(except household goods) interstate with public liability support.

Motor Carrier Of Household Goods(moving companies)

This OA transports only household goods from manufacturers, suppliers, and other productions which are transported with suitable temperature conditions. Thus, It requires Public Liability & cargo insurance to make interstate operations.

Broker Of Property(Except Household Goods)

When a broker agency or private broker takes responsibility for transporting goods(excluding household goods) without holding possession of transporting property/commodity. Furthermore, It transports through authorized motor carriers.

Broker Of Household Goods

This Operating Authority operates when a registered broker agency or individual arranges transportation of household commodities. Furthermore, It doesn’t hold the responsibility of goods.

Carrier Of International Cargo(Except Household Goods)

It transports public goods(except household goods) internationally. This OA is headquartered in USA & controlled majorly by Mexican citizens.

Carrier Of International Household Goods

A household goods transport agency arranges the transportation of household goods internationally through an authorized Motor carrier. 

Why Does A Truck Company Need To Have FMCSA Operating Authority?

A truck company must have an interstate Operating authority or mc number in addition to a dot number because of the following reasons
  • While Transporting interstate commerce or federally regulated commodities. (In return for payment or other compensation)
  • Getting the relevant truck insurance depends upon the right Operating Authority category.
  • To spend a genuine amount on compatible Operating Authority registration & insurance coverage.

Which Truck Authorities Require FMCSA Operating Authority(MC Number)?

  • While making for-hire truck operations for compensation
  • A broker or truck company that makes the interstate transport of goods or passengers.

Who Does Not Require FMCSA Operating Authority(MC Number)

  • A private truck owner transporting his own cargo load.
  • If a truck owner/enterprise transports goods non-federally regulated commodities.
  • If a truck company operates in a federally-designated zone exempt from any inter-state authority.

What Is MC Number?

MC number is a Motor Carrier number that is provided under FMCSA Operating Authority Standard. Thus, It usually differs depending on the Operating Authority category.
So, if a truck company transports under different FMCSA Operating Authorities, it can have more than one mc number as per its compatibility with the OA category. Furthermore, Transport authorities who travel interstate commerce for passengers or federally regulated commodities enroll for the OA category to get the concerned MC number after the USDOT number.

What Is MX Number?

MX is a kind of prefix of Motor Carrier number which is also known as a docket number(for all MC/MX/FF numbers) provided to the transport authorities which are permanently based in Mexico. Therefore, Mexico motor carriers require to have an FMCSA-provided MX number to operate in USA regions. In addition, it is also provided to inter-state for hire or motor carriers.

What Is FF Number?

FF(Freight Forwarder) is an OA registration number provided to Freight Forwarders that take responsibility for issuing bills to licensed motor carriers for arranging the transporting of goods, loading to shippers & accounting for cargo damage/loss. Furthermore, the OP-1(FF) form is usually filled out to get registered under FMCSA. Freight Forwarders must enroll with FHWA(Federal Highway Administration) before getting FF Number from FMCSA.

So, from the above statements, we get to know about OA categories and their registration mode(MC, MX, FX) numbers which are all specified for interstate commerce business. Therefore, OA under FMCSA usually takes around 4 weeks process to get enrolled in Freight Forwarders, Interstate brokers & For-hire commercials. Both dot and mc number are usually required by maximum truck company owners. 

How Our Service Is Helpful For Transporting Agencies?

The transporting agency becomes eligible to have relevant Insurance to operate after getting successfully enrolled under OA registration, or during the process. Thus, the type of insurance usually depends on the type of MC/MX/FF that priorly depends on the type of OA you have. Therefore, you need to carry a relevant OA depending on what type of cargo you haul for interstate operations.

We provide our coverage support for all kinds of cargo-based tracking i.e

  • Flatbed Trucking
  • Dry Van Trucking
  • Refrigerated Trucking
  • Hazmat Trucking
  • Full Truck Load
  • Less Than Truck Load
  • Hazmat Trucking
  • Tanker Trucking
Along with providing support in different trucking services, we support compatible trucking insurance that relates to general liability, physical damage,non-trucking coverage, bobtail insurance, cargo insurance, primary auto liability, etc. Therefore, Our support for every compatible truck insurance remains on priority for the truckers or enterprises to reach out with the best option.

What Processes Involve To Enroll Under FMCSA Operating Authority Policy?

  • Truck Owners who register from the basic step(without DOT or other registration usually apply through URS(Unified Registration Number) as per FMCSA regulatory policy.
  • Applicants carrying USDOT numbers follow the FMCSA Legacy Registration System through the specified payments and application process updated in the FMCSA portal.
  • You can apply through a Form & move the proceedings through the mail, express mail & card payment options stated in FMCSA’s recent compliance policy.
It usually takes from 20-25 days to 45-60 days depending on the enrollment process mode & category.

Why Choose Us?

We are a broker agency that provides support in truck insurance options depending upon cost, coverage & policy term. We figure out the best option as your cargo demand needs and your truck Operating Authority requires you to fulfill the necessary criteria. Furthermore, we guide you in every possible way to not let you stuck with any instant support, multiple options, or better consultation. In addition, you get in-depth knowledge regarding your insurance needs and claim approval support. You may feel confused or go with the options provided by service providers during direct insurance purchase, but we filter out the choice which completely covers your personalized demands & overages. In short, you get a kind of customized policy that suits your budget & beneficial for long-term use.

How To Choose The Best Commercial Truck Insurance In 2023?

How To Choose The Best Commercial Truck Insurance In 2023? 

Do you know choosing the best commercial truck insurance is an essential decision in your trucking business? You might be a truck driver or a business, or you have just started the business; having truck insurance is one of the best decisions in your life. Whenever you claim the insurance, you should have the trust that it will help you get the best reimbursements which not only reduces your liabilities but also lower the amount you have to spend during the season. It means you need to vet the company which will be providing the easiest and fastest insurance claims, and the agent will be available to make the whole process quick.

insurance trucking

Trucker Pollution Insurance- Benefits

Trucker Pollution Insurance- Benefits

Commercial auto insurance is something that every driver needs to insure their cargo before they take the roads. Other than this, there is Trucker Pollution Insurance which not only gets you out of the hands of the CDC but also can help you reduce the expenses you might need to pay after the mishap. You must be knowing trucking accidents happen every day somewhere in the world or in your state. Since they carry heavy and dangerous substances, sometimes they lead to death and destruction, which is what they leave behind.Trucker Pollution Insurance Benefits

Why is there a risk of pollution by Trucker?

It is good to know that the truckers’ main or primary job is transporting cargo and dangerous chemicals and gasses. Many truckers must be traveling every day in good and sometimes harsh conditions like snow, strong winds, and heavy traffic. It is like this which can reduce the total work which you can do in the process. Let us explain with an example- say the trucker is carrying harmful by-products of nuclear products.

This can be very harmful to anyone who comes in contact. There is a distance of 1000 km, which the trucker has to cover to reach the destination. The truck slips on the ice on the way, and its content spills on the road. It usually sips in the cracks in the soil and mixes in the nearby water body. Nature can ruin; anyone who comes in contact can lose their life, and everything is havoc.

Suppose the cargo comes in this kind of situation. In that case, it is better always to have pollution insurance if you have a business carrying harmful content. It can disrupt the normal function of living and nonliving after the accident. You may be wondering – there is not always a cargo that could create havoc like in the above case. Then how why do you need insurance? Even if there was no spill or harm – the road, the truck, and the driver everyone needs compensation.

For that, if you have pollution insurance, it can also help you get good compensation and reduce expenses. When something like this happens, there will always be a cut in your profits. You may not know that normal trucking insurance does not cover Trucker Pollution Insurance. It is an additional charge for you which you can surely reduce if you have such insurance in your portfolios.

Are you liable after the accident?

The liability that the cargo travels after the accident ranges from spills to destruction of government and public property and might include death and long-term harmful effects to the normal people living on both sides of the road. 

Okay, now you must be thinking about how you are liable for any of this, or maybe we are just making it up for you. Let us say you wanted to transport your product from one place to another a product of your company. Your trucking company sells the contract to a third-party logistics company. Now, to reduce the costs, they share the contract with the cheapest company, and they have been unable to keep a check on their drivers.

That truck and the product can strike, and the content of the cargo may litter the road. The new channels came running like vultures, and the reputation of the company went down the drain. This is how you can become from one of the best to the least used ones. Now the case of “Due Diligence” will be there on you. 

So, in the end, trucking insurance is for everyone. It is the trucking company’s responsibility that hires a 3rd party to transport goods and your cargo. It is the responsibility of all the parties in the contract, which is why all the possible scenarios are giving contracts or talking to any of them about the same. 

What are the types of pollution liability?

Pollution can be of many types. It is usually seen that the companies only pay for their truck, extraction of debris, and all other things. What if we can get you the policies that cover your expenses? Less cash is needed to get your truck back, with companies now also lawyer fees. Moreover, you can reduce your unexpected scenarios. The way of the accident, the type of the accident, and also the time. And how it happens can help you find which type of insurance will be more prevalent for you:

  • Liability with Transport pollution – When the cargo is en route, and the cargo gets destroyed or spilled during/ after the accident, transportation pollution is the best policy to take as it will cover the things specifically for transport pollution.
  • Liability with Contractor pollution – This is the type of policy where the contractor is liable for the pollution as it is done on shifting/ loading/ unloading the cargo and comes under their jurisdiction, which leads to coming under their liability therefore, this is the reason why you should we have this insurance for them.

When you will go to the insurance agent to buy the policy, explain to them why and what variables are there in your business of trucking such that they can help you to get the best policy. If you do not know how to explain this to your agent, you can contact us – the Mayflower Insurance Services – we can help guide you to the best plans for your business. We provide customized policies, which will include things per your requirements and needs. Moreover, you can only have to pay for these services. You can reach us at (877) 400-0500 or get your free quotes to get an idea of how much you might be spending for Trucker Pollution Insurance.


Q1. What is a pollution exclusion in insurance?

Ans. It is a type of provision in the first and third provisions that exclude coverage from the insurance.

Q2. Does MCS 90 cover pollution?

Ans. It will come into effect when there is a cause of pollution by the insurer.

Q3. Does CA9948 cover loading and unloading?

Ans. It does not cover the loading and unloading of the cargo and goods.

Q4. What is limited pollution coverage?

Ans. It means the clean-up costs will be given by the insurer.

Q5. Who is required to have an MCS 90?

Ans. All commercial vehicles and private owners should have MCS 90.