Insurance

Trucking company lists for insurance agents.

How commercial trucking insurance agents use FMCSA carrier data: new authorities, fleet size and cargo, what the records cannot tell you, and the outreach rules.

Why new carriers matter to insurers

No motor carrier may operate until it has the required minimum financial responsibility in effect (49 CFR 387.7), and a for-hire carrier’s operating authority does not become active until its insurer has filed proof of coverage with FMCSA on Form BMC-91 or BMC-91X (49 CFR 387.311). Every new authority is a carrier that has just bought coverage or is about to.

Federal minimums for interstate for-hire carriers of non-hazardous property in vehicles of 10,001 pounds or more are $750,000, rising to $1,000,000 or $5,000,000 for hazardous materials (49 CFR 387.9). Hazmat carriers are flagged in every pack.

Fields to filter on

  • new_30d and new_90d for recent USDOT registrations, and the feed’s feed_events to tell new registrations from new authority grants.
  • authority_class = for_hire_authorized for carriers with active operating authority.
  • power_units and fleet_bucket to separate owner-operators from fleets.
  • cargo_segments and hazmat for the risk profile, and op_scope for interstate or intrastate.
  • mcs150_date for how recent the contact details are, and email_flag to skip filing-agent addresses.

Authority follows registration: of the 10,205 carriers that registered a USDOT number in the 30 days before the current snapshot, 5.4% hold an MC docket so far. Following both events in fresh leads shows you a carrier at registration and again when its authority is granted.

What the records cannot tell you

FMCSA records do not include a carrier’s renewal date, premium or coverage need, and they are not consent to contact. Contact details are self-reported and only as current as the last MCS-150. Treat the data as a research starting point and verify before quoting.

A daily workflow

  1. Subscribe to fresh leads and filter the dashboard to the states you are licensed in.
  2. Open each morning’s drop and export it as CSV, new authorities first.
  3. Import into your CRM keyed on dot_number (import guide).
  4. Prioritise new authorities and the fleet sizes and cargo you write.
  5. Verify contact details, then reach out within the rules below.

Outreach rules

Commercial email to businesses is still covered by the CAN-SPAM Act: the FTC says the law “makes no exception for business-to-business email.” Use accurate sender details and honest subject lines, say the message is an advertisement, include a valid physical postal address, and honor opt-out requests within 10 business days (FTC guide).

Calls and texts need more care, because many owner-operators list a personal mobile number. The FCC’s rules prohibit autodialed or prerecorded calls to mobile numbers without the called party’s prior express consent, and telephone solicitations to residential subscribers whose numbers are on the National Do Not Call Registry (47 CFR 64.1200). A public FMCSA record is not consent. This is general information, not legal advice; check the rules for your channel with counsel.

Sources

Figures marked as current come from the FMCSA Company Census snapshot of November 7, 2026, as published on this site. How the data is built

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