Insurance Requirement

The vast majority of the states don’t require any more protection than is required for your ICC, and those states don’t expect you to have an endorsement on record with that state. Be that as it may, there are 19 expresses that have strict protection necessities that must be met before we can buy a larger than usual/overweight truck allow. More often than not it just requires a short measure of investment to get the protection sent to the state and prepared with the goal that we can get your truck allow that day. There are a couple of states that it takes something beyond an endorsement of protection, and it can take a few days to get it handled. To assist getting your truck licenses, it is best to have your protection dealt with before you have to buy the grants. The accompanying are the states with which you need to have protection on record and what their necessities are.
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Jump to

• Alabama
• Arkansas
• Delaware
• Georgia
• Indiana
• Louisiana
• Mississippi
• Missouri
• Montana
• New Mexico
• New York
• North Dakota
• Ohio
• Oregon
• Pennsylvania
• Rhode Island
• Tennessee
• Texas
• Wisconsin

Alabama

Normally permit is valid for 5 days. An indemnity bond or proof of insurance in the limits of $300,000 for annual permits. Alabama Highway Department shall be listed as Certificate Holder. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ Alabama also requires a ‘New Hauler’ form to be filled out if you have not hauled in Alabama before. The processing of insurance and the new hauler form generally only takes 2-3 hrs, depending on how busy they are. This must be taken care of before purchasing truck permits. For additonal infomation go to
OS/OW Permits

Alaska

Normally permit is valid for 3-5 days. For additonal infomation go to
OS/OW Permits

Arizona

Normally permit is valid for 4 days. For additonal infomation go to
OS/OW Permits

Arkansas

Normally permit is valid for 3 days. Insurance must be on file with the Department. Insurance for individual owner of a mobile home that is up to 12′ wide is $25,000/100,000/15,000 or total liability insurance of $115,000. House movers will need a damage bond in addition to the insurance. Insurance for a house is $100,000/300,000/25,000 or total liability insurance of $325,000. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ The state accepts faxed copies of insurance certificates. This can be done just before ordering permits. For additonal infomation go to
Arkansas OS/OW Permits

California

Normally permit is valid for 4 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit click here

Colorado

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit click here

Delaware

Normally permit is valid for 5 days. Insurance must be on file in the amounts of $100/300/50. Must carry minimum insurance of $750/ 500/10 for all ICC carriers. For additonal infomation go to
Delaware OS/OW Permits

Florida

Normally permit is valid for 10 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit

Georgia

Normally permit is valid for 10 days. Liability insurance and other security must be maintained during the existence of the permit. Public liability minimum is $300,000 each accident and $100,000 for persons injured, total property damage $50,000. The person receiving the permit promises to hold the Department harmless from such claims and to recompense the Department for damages made by the permitted vehicle or load to a public road. Must carry minimum insurance of $750/500/10 for all ICC carriers. Georgia DOT must be listed as additionally insured on the certificate” Processing the insurance certificate can take 2-4 hours. It is recommended that this is taken care of before ordering truck permits. For additonal infomation go to
Georgia OS/OW Permits

Hawaii

For additonal infomation go to
OS/OW Permits

Idaho

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

Illinois

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit 

Indiana

Normally permit is valid for 14 days. Certificate must be on file in minimum amounts of $25,000/50,000/10,000 for personal liability and property damage. Must carry minimum insurance of $750/500/10 for all ICC carriers. The processing of insurance certificates does take 24 – 72 hours. It is highly recommended that this is taken care of before needing to purchase truck permits. If you have not hauled in the state of Indiana before, then you’ll also have to apply for an Indiana account number. For additonal infomation go to
Indiana OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit 

Iowa

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit Kansas

Normally permit is valid for 7 days. For additonal infomation go to
OS/OW Permits

Kentucky

Normally permit is valid for 10 days. For additonal infomation go to
OS/OW Permits

Louisiana

Normally permit is valid for 2 days. “Must have a bond or certificate of insurance on file. $100,000 for one trip or $250,000 for a year. Must carry minimum insurance of $750/500/10 for all ICC carriers.” Processing of insurance is done same day, usually within 1-2 hours. For additonal infomation go to
Louisiana OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle PermitClick here

Maine

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

Maryland

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle PermitClick here

Massachusetts

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

Michigan

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle PermitClick here

Minnesota

Normally permit is valid for 7 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle PermitClick here

Mississippi

Normally permit is valid for 3 days. “Applicants must file with the Department a bond or public liability insurance policy endorsement in the amount of $25,000 as security for any damage to the highway. Must carry minimum insurance of $750/500/10 for all ICC carriers. State of MS must be listed as a certificate holder.” This process takes up to 24 hours, it is recommended that this is taken care of before purchasing truck permits. For additonal infomation go to
Mississippi OS/OW Permits

Missouri

Normally permit is valid for 5 days. Effective 02/28/2009, no permit will be issued without proof of insurance on file. Must have minimum insurance in the amount of $750,000.” This can take up to 4+ hours to process, so it is recommended that this be taken care of prior to ordering truck permits. The state of Missouri must be named as a certificate holder. For additonal infomation go to
Missouri OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit Click here

Montana

Normally permit is valid for 3 days. ‘Minimum of $1,000,000 combined single limit bodily injury and property damage liability per occurrence.’ A certificate on file with the state is not required, however to purchase a truck permit we need to have your insurance information to give to the state over the phone. For additonal infomation go to
Montana OS/OW Permits

Nebraska

Normally permit is valid for 10 days. For additonal infomation go to
OS/OW Permits

Nevada General

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

Nevada Special

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

Nevada Tridem Axle

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit Click here

New Hampshire

Normally permit is valid for 5 days. For additonal infomation go to
OS/OW Permits

New Jersey

Normally permit is valid for 3 days. For additonal infomation go to
OS/OW Permits

New Mexico

Normally permit is valid for 3 days. ‘A certificate of insurance, reflecting the following minimum coverage should be kept in the vehicle and must be on file with the state. $100,000 automobile bodily injury coverage; $500,000 each person; $100,000 for each accident; automobile property coverage $25,000 each accident. Must carry minimum insurance of $750/ 500/10 for all ICC carriers. Insurance Company must be registered with the New Mexico Corporation Commission.’ The certificate of insurance can be sent in with the application for the truck permit, it is processed immediately and will be kept on file until the insurance expires. For additonal infomation go to
New Mexico OS/OW Permits

New York

• A departmental blanket policy provides the state with insurance coverage on each trip permit by payment of the appropriate insurance fee by the permittee.
• Public liability insurance coverage may be obtained by a permittee and a certificate of protective liability insurance for permits on state highways. Must be filed with the Highway PermitAgent in the main office which provides liability coverage for the people of the state of New York. This certificate must be filed to obtain a monthly, annual or a blanket permit and may be filed for trip or building permit.
• New York requires a $10,000 – 50,000 bond to be on file for any move if 16′ high, 16′ wide, 250,000 or over before a permit will be issued. All bonds are held for 30 days before another move can be made.
• Must carry minimum insurance of $750/500/10 for all ICC carriers.No insurance fee is required if acceptable public liability insurance coverage is on file. The applicant agrees to assume all responsibility and liability for damages to persons or property that may occur during movements of the vehicle through negligence of himself, his agent or employees.’

This should be taken care of before ordering permits. The price of the insurance coverage paid for on each single trip is increased if you do not have insurance on file with the state of New York. For additonal infomation go to
OS/OW Permits

North Carolina

Normally permit is valid for 10 days. For additonal infomation go to
New Mexico OS/OW Permits

North Dakota

Normally permit is valid for 3 days. ‘Insurance certificates must be submitted showing proof of liability and property damage coverage of not less than $300,000. Must have minimum insurance of $750/500/10 for all ICC carriers.’ For additonal infomation go to
North Dakota OS/OW Permits

Ohio

Normally permit is valid for 5 days. ‘A permit will be issued only after the following proof of financial responsibility has been furnished to the Ohio Department of Transportation Central Permit Office. An endorsement or a surety bond in Confirmation will not be acceptable in lieu of the endorsement. Liability for bodily injury and property damage combined shall not be less than $500,000. Liability for property damage combined shall not be less than $200,000. Tandem trailer combinations – public liability of not less than $500,000 for each person, $2,000,000 for each occurrence for all damages arising from bodily injury, including death, and $1,000,000 for property damage. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ You MUST have your insurance company fill out an OS 32 form and send it to the state of Ohio. This process can take several days and must be done prior to ordering any truck permits. For additonal infomation go to
Ohio OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit.

Oklahoma

Normally permit is valid for 5 days. For additonal infomation go to
New Mexico OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit.

Oregon

Normally permit is valid for 10 days. ‘Verification of public liability and property damage insurance and or indemnity bond may be required at the discretion and in the amounts determined by the granting authority. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ You’ll need to have this to get your Oregon Carrier File Number (a/k/a OR PUC), but it is a simple process which can be done the same day as ordering your truck permit. To get your PUC# you’ll need to call OR DOT directly and have all your insurance information handy. For additonal infomation go to
Oregon OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle PermitClick here

Pennsylvania

Normally permit is valid for 5 days. ‘Minimum coverage for motor carriers and escort vehicles is $1,000,000 combined single limits. Commonwealth of Pennsylvania must be added as an additional insured for property damage and personal injury.’ This can take up to 3 days to process, it is recommended that this is taken care of before ordering truck permits. For additonal infomation go to
Pennsylvania OS/OW Permits

Rhode Island

Normally permit is valid for 5 days. ‘In special cases a surety bond is to be furnished to the Department in lieu of adequate liability insurance. When there is a possibility that a move may damage highway facilities, the applicant will be required to deposit a certified check or other security in an amount determined by the Department. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ For additonal infomation go to
Rhode Island OS/OW Permits

South Dakota

Normally permit is valid for 3 days. For additonal infomation go to
OS/OW Permits

Tennessee

Normally permit is valid for 6 days. ‘(1) Any person, firm, company, corporation or other who undertakes the movement of any overweight and/or overdimensional article and/or commodity on the highways of the State of Tennessee shall hold the State of Tennessee, its officers and employees, harmless from any claims for damages resulting from the exercise of any of the privileges granted under the Special Permits issued for such overweigh and/or overdimensional movement, and to this end, shall carry liability insurance with an Insurer, acceptable to the Commissioner of Transportation, and shall furnish a certificate of insurance to the Commissioner of Transportation, in the amount of not less than three hundred thousand dollars ($300,000) for each claimant injured and one million dollars ($1,000,000) per occurrence.

(2) The certificate of insurance shall provide that the Insurer shall give, to the Department of Transportation of the State of Tennessee, written notice of intention to terminate said required insurance by certified mail, said termination to become effective thirty (30) days after receipt of said notice from the Insurer by the Department of Transportation.’

It is recommended that this is taken care of prior to ordering truck permits. The process takes at least 24 hours to get the insurance certificate approved by the state. For additonal infomation go to
Tennessee OS/OW Permits

Texas

Normally permit is valid for 5 days. ‘Minimum coverage of $500,000 combined single limit excluding cargo. Must have TX MCR# or bond on file to haul oversize/overweight loads. Loads exempt are manufactured housing, portable buildings, oil well equipment, unladen lift equipment. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ This process can take up to 3 days to get your insurance approved, please have this taken care of prior to ordering truck permits. For more information or for forms to be filled out you can go to the TX DOT website, or call them directly at (800) 299-1700. For additonal infomation go to
Texas OS/OW Permits

Utha

Normally permit is valid for 4 days. For additonal infomation go to
OS/OW Permits

Vermont

Normally permit is valid for 10 days. For additonal infomation go to
OS/OW Permits

Virginia

Normally permit is valid for 13 days. For additonal infomation go to
OS/OW Permits

Washington

Normally permit is valid for 3 days. For additonal infomation go to
OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle Permit>Click here

Washington, D.C. Fedral District

For additonal infomation go to
OS/OW Permits

West Virginia

Normally permit is valid for 5,10 days for mobile home. For additonal infomation go to
OS/OW Permits

Wisconsin

Normally permit is valid for 14 or multi days. ‘Insurance may be required on file. Limits for loads 12′ wide, 16′ high or 75′ long and does not exceed 120,000 GVW – $50/100/25. All other loads are $100/300/100 or $600,000 CSL (Combined Single Limits). In addition $200,000 casualty insurance will be required for loads in excess of 16′ wide or 100′ long, unless $600,000 combined single life coverage is provided. Must carry minimum insurance of $750/500/10 for all ICC carriers.’ This can generally be taken care of on the same day as truck permit is ordered. For additonal infomation go to
Wisconsin OS/OW Permits

General Provisions of an Oversize/Overweight Vehicle PermitClick here

Virginia

Normally permit is valid for 13 days. For additonal infomation go to
OS/OW Permits

Wyoming

For additonal infomation go to
OS/OW Permits

All other states only require the ‘minimum insurance of $750/500/10 for all ICC carriers.’ They do not need a certificate on file, but proof of insurance must be kept in the cab of the truck. All of the above requirements are subject to change and should be checked on with the state prior to ordering permits.Our helpful and knowledgeable staff will be happy to answer any questions that you might have about insurance requirements for each of the states. We can also provide sample copies of insurance certificates for the various states and many of the forms that the states require.

Insurance Requirement For Canada

Most of the states do not require any more insurance than is required for your ICC, and those states do not require you to have a certificate on file with that state. However, there are 10 states that have strict insurance requirements that must be met before we can purchase an oversize/overweight truck permit. Most of the time it only takes a short amount of time to get the insurance sent to the state and processed so that we can get your truck permit the same day. There are a few states that it takes more than just a certificate of insurance, and it can take several days to get it processed. To expedite getting your truck permits, it is best to have your insurance taken care of before you need to purchase the permits. The following are the states with which you have to have insurance on file and what their requirements are.

Jump to

• Alberta
• British Columbia
• Manitoba
• New Brunswick
• Newfoundland and Labrador
• Nova Scotia
• Ontario
• Prince Edward Island
• Quebec
• Saskatchewan

Alberta

For additonal infomation go to
OS/OW Permits

British Columbia

For additonal infomation go to
OS/OW Permits

Manitoba

For additonal infomation go to
OS/OW Permits

New Brunswick

Normally permit is valid for 7 days. For additonal infomation go to
OS/OW Permits

Newfoundland and Labrador

For additonal infomation go to
OS/OW Permits

Nova Scotia

Normally permit is valid for 7 days. For additonal infomation go to
OS/OW Permits

Ontario

Normally permit is valid for 4 days. For additonal infomation go to
OS/OW Permits

Prince Edward Island

For additonal infomation go to
OS/OW Permits

Quebec

Normally permit is valid for 8 days. For additonal infomation go to
OS/OW Permits

Saskatchewan

For additonal infomation go to
OS/OW Permits