Motor Carrier Coverage · Minnesota
Operating as a for-hire motor carrier requires more than commercial auto insurance — it requires FMCSA filings, proper cargo limits, MCS-90 endorsements, and a carrier who understands DOT compliance. We specialize in working with regulated carriers throughout Minnesota, handling the paperwork so you can focus on keeping freight moving.
What's Covered
Operating as a for-hire motor carrier requires more than commercial auto insurance — it requires FMCSA filings, proper cargo limits, MCS-90 endorsements, and a carrier who understands DOT compliance. We specialize in working with regulated carriers throughout Minnesota, handling the paperwork so you can focus on keeping freight moving.
Required by the FMCSA for for-hire carriers operating in interstate commerce. Minimum limits are $750,000 for general freight and up to $5,000,000 for certain hazmat commodities. We handle the Form E filing directly with your insurance carrier.
Required for interstate carriers, the MCS-90 ensures that minimum federal liability limits are available regardless of any policy exclusions — and guarantees payment to injured members of the public. We make sure this endorsement is correctly attached to your policy.
Required by most freight brokers and shippers. Coverage limits depend on your commodity — general freight typically requires $100,000; specialized, high-value, or temperature-sensitive cargo may require higher limits and specific endorsements.
Covers your power units and trailers for collision, comprehensive, and fire/theft losses. We structure coverage to match your equipment mix — owned tractors, owned trailers, and any leased or borrowed equipment.
Covers non-owned trailers in your possession under a written trailer interchange agreement with another carrier. Without it, damage to a trailer you're pulling under interchange falls outside your standard policy.
Covers non-auto incidents at your terminals, warehouses, and shipper/receiver facilities — situations that fall outside your commercial auto policy but where you still face significant exposure.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
Not every carrier writes trucking well. We work with specialty markets that understand commercial transportation — and price it accurately based on your commodity, radius, and record.
We compare across multiple A-rated trucking carriers so your quote reflects real market competition, not a single company's rate.
We handle Form E and Form H filings, MCS-90 endorsements, and other DOT compliance requirements so you can focus on keeping your wheels turning.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Most for-hire interstate carriers need a Form E (liability) filing and a Form H (cargo) filing with the FMCSA. Some intrastate carriers are regulated by the Minnesota DOT and have separate filing requirements. We coordinate all required filings on your behalf.
The MCS-90 is a federal endorsement that guarantees minimum liability limits will be paid to injured members of the public, even if a policy exclusion would otherwise apply. It's required for all for-hire interstate carriers and must be correctly attached to your primary liability policy.
Yes — trailer interchange coverage protects non-owned trailers you're pulling under a written interchange agreement with another carrier. Without it, damage to a leased or interchange trailer is not covered by your standard commercial auto or physical damage policy.
New authority carriers typically face higher rates and more restrictive underwriting for the first 1–2 years. We work with specialty markets that write new ventures, help you build a clean loss history, and remarket your account aggressively as your record develops.
