Do You Need a CDL to Start a Trucking Business? Licensing Explained
- Nate Jones, CPCU, ARM, CLCS, AU
- 17 hours ago
- 2 min read
Starting a trucking business comes with several legal requirements, and understanding whether you need a Commercial Driver’s License (CDL) is a key part of the process. A CDL is often essential for operating heavier trucks, hauling certain types of freight, or transporting goods across state lines.
This guide explains CDL requirements, licensing considerations, and insurance coverage for your trucking business.
What Is a CDL and Why It Matters
A Commercial Driver’s License (CDL) is a specialized driver’s license required to operate commercial vehicles over specific weight limits or transporting certain cargo types. The CDL ensures that drivers are trained and qualified to operate commercial trucks safely.
Having a CDL is important for:
Compliance with federal and state regulations
Eligibility for commercial contracts
Valid insurance coverage
Read More: FMCSA CDL Requirements
When You Need a CDL
CDL requirements depend on the Gross Vehicle Weight Rating (GVWR) and cargo type:
GVWR under 26,001 lbs: Typically no CDL required
GVWR 26,001 lbs or more: Class B CDL required
Towing trailers over 10,000 lbs: Class A CDL required
Other scenarios that may require a CDL include transporting hazardous materials, passengers, or specialized freight.
CDL Classes and Endorsements
Understanding the classes and endorsements ensures your business complies with regulations:
Class A CDL: For combination vehicles (tractor-trailer)
Class B CDL: For single vehicles over 26,001 lbs
Class C CDL: For smaller vehicles carrying passengers or hazardous materials
Common endorsements include:
Hazardous materials (H)
Passenger transport (P)
Air brakes (T)
Find Out More: CDL Endorsements Explained
Licensing for Your Trucking Business
Besides a CDL, starting a trucking business requires several licenses and registrations:
USDOT Number – mandatory for interstate trucking
Motor Carrier (MC) Authority – for commercial hauling
Unified Carrier Registration (UCR) – fees depend on fleet size
Failing to obtain proper licensing can result in fines or denied insurance coverage.
Essential Insurance for CDL and Non-CDL Trucking Businesses
Regardless of CDL requirements, trucking businesses must maintain adequate insurance to protect assets, drivers, and cargo:
Commercial Auto Insurance – covers accidents and vehicle damage
General Liability Insurance – protects against third-party claims
Cargo Insurance – protects freight during transport
Workers’ Compensation Insurance – covers employee injuries
Umbrella Insurance – additional liability coverage
Final Thoughts
Whether you need a CDL depends on your truck size, cargo type, and routes. Understanding CDL requirements and pairing them with proper licensing and comprehensive insurance coverage ensures your trucking business operates legally and profitably. Partnering with Wexford Insurance safeguards your vehicles, drivers, and cargo from day one.
Contact us today.
