Do You Need a CDL to Start a Trucking Company?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 12
- 2 min read
Starting a trucking company is a great way to enter the transportation industry, but many entrepreneurs wonder: Do you need a Commercial Driver’s License (CDL) to start a trucking company? The answer depends on your role in the business and the type of vehicles you plan to operate.
Do You Personally Need a CDL?
If you plan to drive a commercial truck yourself, then yes—you’ll need a CDL. The Federal Motor Carrier Safety Administration (FMCSA) requires a CDL for operating vehicles that:
Weigh over 26,001 pounds
Transport hazardous materials
Carry 16 or more passengers (including the driver)
However, if you’re starting a trucking company as an owner or investor and plan to hire licensed drivers, you do not need a CDL yourself. You’ll still be responsible for ensuring your drivers are properly licensed and your business complies with all regulations.
Steps to Start a Trucking Company Without a CDL
Step 1: Register Your Business
Choose a business structure (LLC, corporation, etc.) and register with your state.
Step 2: Get a USDOT and MC Number
Required for operating commercial vehicles across state lines.
Step 3: Obtain Trucking Insurance
This is where Wexford Insurance comes in. We help new ventures secure:
General Liability Insurance
Physical Damage Coverage
Trailer Interchange Insurance
Step 4: Hire CDL-Certified Drivers
Ensure your drivers meet FMCSA standards and have clean driving records.
Step 5: Comply with IFTA and IRP
These agreements manage fuel taxes and vehicle registration across states.
Why Insurance Is Critical for New Trucking Companies
Whether you’re driving or managing, insurance is one of the most important investments you’ll make. It protects your trucks, cargo, drivers, and business from financial loss due to accidents, theft, or liability claims.
Wexford Insurance specializes in helping new trucking companies get the right coverage at competitive rates. We work with fleets, owner-operators, and startups across the U.S.
Common Mistakes to Avoid
Skipping Insurance for Non-CDL Owners: Even if you’re not driving, your business still needs full coverage.
Underinsuring Your Fleet: Make sure your policy reflects the actual value of your trucks and cargo.
Ignoring Regulatory Requirements: Wexford Insurance helps you stay compliant with FMCSA and state laws.
Choosing the Cheapest Policy: Low premiums often mean limited protection. Balance cost with coverage.
Final Thoughts
You don’t need a CDL to start a trucking company—unless you plan to drive. But you do need a solid business plan, licensed drivers, and comprehensive insurance. Wexford Insurance is your trusted partner in building a successful trucking business from the ground up. Contact now!
