Significant Federal Motor Carrier Safety Administration (FMCSA) regulatory changes are impacting trucking companies in 2025. While these changes primarily affect compliance in operational areas, insurance companies are increasingly using a trucking company’s adherence to these regulations as an underwriting metric. The days of underwriting based solely on driving records are behind us. Transportation risk underwriters are now evaluating the company as a whole, considering not just driving records but also the broader risk in transportation business operations. A company’s willingness to comply with regulations — or its tendency to push back against them — now plays a key role in underwriting decisions.
For brokers, 2025 presents a chance to strengthen their role as strategic partners in the industry. The distinction between brokers who simply process applications and those who provide deeper guidance is becoming more apparent. Brokers who actively support clients in navigating compliance challenges can help them maintain operations, control costs, and secure better long-term coverage. By focusing on risk mitigation and cost-saving strategies, brokers can have a direct impact on their client’s bottom line, positioning them for more favorable rates both now and in the future.
Upcoming FMCSA Regulatory Changes in 2025
To provide informed guidance, brokers must familiarize themselves with the latest changes in the Federal Motor Carrier Safety Administration’s (FMCSA) rule. Some of the most impactful shifts include:
- Elimination of MC Numbers: Beginning in October 2025, the FMCSA will discontinue the use of Motor Carrier (MC) Numbers, requiring all carriers to use USDOT numbers exclusively. This change aims to streamline registration and reduce fraudulent activity.
- New registration system implementation: The FMCSA is rolling out a centralized online registration platform that will replace multiple forms and processes with a single, more efficient system. This transition requires trucking companies to review and update their compliance documentation.
- Drug and Alcohol Clearinghouse Enforcement: As of November 18, 2024, state driver licensing agencies must deny issuance, renewal, upgrade, or transfer of a CDL or CLP for drivers with unresolved drug and alcohol violations. Additionally, CDL and CLP holders with violations will have their privileges downgraded until they complete the return-to-duty process.
Actionable Strategies for Brokers To Help Clients
Brokers can play a pivotal role in helping trucking companies adapt to these regulations while controlling their insurance costs. Here’s how.
Educate Clients on Compliance
Trucking companies need to be made aware of the MC Number elimination and the transition to USDOT-only identification. Brokers can use this change to conduct client outreach, encouraging insureds to verify their registration details early to avoid disruptions.
Assist With Registration Transition
The FMCSA’s new system requires businesses to ensure accuracy in their filings. Brokers can provide guidance on completing the transition smoothly, helping clients avoid delays or penalties.
Strengthen Drug & Alcohol Compliance Programs
With stricter Clearinghouse enforcement, insureds must implement robust testing programs and regularly check driver status to avoid license revocations that could impact operations and insurance eligibility.
Enhance Risk-Management Measures
Encouraging clients to adopt stronger safety and maintenance protocols can lead to fewer violations and better insurance rates. A well-maintained fleet signals to underwriters that a transportation company is taking risks seriously.
Leverage Telematics for Safety & Cost Savings
Telematics and real-time driver monitoring can improve compliance, reduce accident rates, and help brokers advocate for lower premiums based on data-backed safety improvements.
Optimize Insurance Coverage
As FMCSA regulations evolve, brokers can further deepen their value in an advisory role by working with insureds to reassess coverage needs and ensure policies align with the latest compliance requirements. A transportation insurance program tailored to the client’s risk profile can prevent gaps and unnecessary cost increases.
Turning Challenges Into Opportunities
Regulatory changes can feel like a burden, but for brokers who take a proactive approach, they represent an opportunity to reinforce their value. By guiding trucking clients through compliance hurdles and helping them maintain operational efficiency, brokers become trusted advisors, not just policy providers.
Brokers who actively help clients navigate FMCSA regulations can also distinguish themselves in the marketplace. As regulations continue to tighten, those who educate insureds on compliance, assist in risk mitigation, and advocate for cost-saving measures will be in high demand.
Partnering With Cochrane & Company: Your Advantage in a Changing Market
Successfully placing commercial transportation risks requires deep industry knowledge and strong market access. That’s where Cochrane & Company comes in. With strong carrier relationships, industry-leading technology, and a transportation insurance program designed to help brokers excel, Cochrane & Company provides expert guidance and underwriting solutions that help you deliver exceptional value to your clients.
Cochrane & Company’s dedicated underwriters work closely with brokers, ensuring you receive hands-on support and direct access to specialty markets. Whether it’s navigating new regulatory challenges or securing coverage for complex risks, Cochrane & Company equips you with the tools and expertise needed to succeed.
About Cochrane & Company
For more than six decades, Cochrane & Company has been proudly at the forefront of the insurance industry. Our experience has enabled us to innovate in powerful ways, reimagining the E&S market, and providing technology solutions that make it easy to do business with us. Licensed in all 50 states, we proudly serve clients across the nation, providing personalized and powerful solutions to help you become an even better partner for your clients. Speak to one of our experienced professionals today by calling (855) 967-0069.
