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Motor Carrier Insurance

Motor Carrier Insurance

+How long does it take to receive an insurance quote?

No need to wait days for an insurance broker to send you back your quote. You should receive an insurance quote as soon as you complete the online application – 15 minutes or less!

+How long is my insurance quote good for?

Your quote is available for 45 days, in which you may accept or reject. After 45 days, you will need to reapply for a new insurance quote.

+What additional coverage options are available?

Add-on coverages offered inside of the portal include:

  • Comprehensive and Collision Coverage
  • Load Lease Gap Coverage
  • Hired Auto Coverage
  • Trailer Interchange
  • Uninsured and Underinsured Motorist Coverage

+How long until my insurance policy is ready to activate?

The policy should be ready to activate 3-7 business days after submission. Throughout this time, we are processing your factoring application and approving debtors (if applicable) and verifying your ELD device.

+How can I check the status of my insurance application?

Check the status of your insurance application by visiting the CarrierHQ portal and noting the status in the Motor Carrier Insurance box on the home screen.

+How will I know when my insurance policy is ready to activate?

You will be notified via email and/or text.

+How long is the insurance policy period?

The insurance policy period is 12 months.

+Why do you need access to my ELD?

Sharing driving data enables you to receive discounted insurance rates as a reward for safe driving habits.

+I’ve been in an accident and need to file a claim. Who should I contact?

For liability incidents, contact Aon Affinity customer support at 800-492-5756.



+What is factoring?

The formal factoring process is selling your invoices or receivables to a third-party financial company. The company pays you quicker than the receivable due date at a discounted rate and collects the full amount on those invoices from your customers as they come due. You don’t wait 30-60+ days to receive payment and the third-party financial company does the collections.

+What is the factoring/purchase fee?

Find out if your factor’s fee is competitive. Industry rates typically average between 3-6% of the invoice value. Ask if the fee is a flat rate or has “kickers.” Some factoring companies charge additional fees based on invoice age. You might be assessed one fee if the invoice is paid in 30 days and another if payment comes at 60 days.

+Is a one-year contract required?

Know the contract length. When exiting the contract, understand how much notice the factor requires and the monetary penalties for early termination.

+Are monthly minimums required?

Make sure you understand how much revenue your factor requires you process each month. Are you able to flex up and down each month without penalties?

+Is there a reserve or holdback requirement?

Many factoring companies require a reserve be built before paying on invoices. This requires you put money up front to cover potential losses for the factor.

+Is this a recourse or non-recourse account?

Simply put, who foots the bill when someone doesn’t pay? Recourse means if the shipper doesn’t pay the invoice, the factor can come to you and take their money back. Non-recourse means if the shipper doesn’t pay, the factor eats the loss. Non-recourse accounts often have higher rates to offset risk.

+Is original paperwork required?

Many factors only accept load paperwork by mail or fax. Ask your potential factor partner if they can accept all paperwork by email or mobile upload to save you time and money.

+Do you offer online account access? Can I do business with you 24/7/365?

If you like a self-service model, ask the factor if you can access your account details online or if you must speak to a representative. Loads don’t always deliver during office hours. Ask if your factor provides business access around the clock every day of the year.

+Can I negotiate?

Ask for adjustments. Some factors will work with you on terms and fees. If the contract includes items that make you uncomfortable, ask for changes. Do what’s best for your business. Fair contract negotiations often speak to a good long-term partnership.

+How can I submit new customers for approval?

Email the following information to credit@CarrierHQ.com: debtor name, physical address, and phone number or MC number.

+How long does it take for new customers to get approved?

New customers are processed and approved within 15 minutes, on average, during normal business hours. Invoices will not be processed until related customers are approved.

+What is the cutoff time to submit invoices for next-day ACH?

To receive same-day wire or next-day ACH payments, all documents must be submitted by 12:00pm EST.

+Where do I send new invoices?

Send new invoices to invoices@CarrierHQ.com

+What load documents do I need to send over with new invoices?

Email invoices@CarrierHQ.com with:

  • All pages of the rate confirmation, or an email from the shipper stating a rate confirmation is not needed
  • Signed BOL
  • Invoice with shippers’ “bill to” information, net terms, and total due
  • Any additional supporting documents (ex. lumper or accessorial requests)

Payment Information

Payment Information

+How do I link my bank account to CarrierHQ?

Select Account > ACH Settings > Update Bank Account. Search your bank, enter bank login information and account information. From here, you will be guided through bank verification.

+What if my bank account isn’t shown on the list of approved banks?

Select “Link with account numbers”. You will enter your account information and verify your account through confirming receipt amount of two small deposits into your account.

+How can I change my bank account information?

Log in to the CarrierHQ portal and select Account > ACH Settings > Update Bank Account.

+Where can I access a breakdown of deductions and payments received?

View payments received and deductions made in the Payments tab of the CarrierHQ portal.

Company Formation and DOT Filing

Company Formation and DOT Filing

+How can I form a new business entity?

To form a company and file your DOT, log into CarrierHQ and select Get Started in the Company Formation & DOT Filing box.

+How much does it cost to form a new business entity?

Costs vary depending on state and type of business formation, starting at $129.

+How long does it take to set up a new business entity?

Completing the Legalinc questionnaire and submitting your application can be done in under 5 minutes. It will take approximately one month for your entity setup to be finalized.

+Who can I contact for support in setting up a business entity?

Contact Legalinc via email at support@legalinc.com, or call 866-757-5850.

Account Information

Account Information

+I forgot my password.

To update your password, go to the CarrierHQ portal and select “Forgot Your Password?” Enter your login email address and a link will be sent allowing you to update your password.

+Where can I change my password?

To change your password log in to CarrierHQ and select Account > Company Settings > Change Password

+I’m not receiving notifications from CarrierHQ.

Access the menu to update or change your account’s notification preferences by logging in to CarrierHQ and selecting Account > Company Settings.

+Where can I edit the information that I entered during enrollment?

Log in to your CarrierHQ account and select Account > Company Settings.

+My documents aren’t downloading on my computer. How can I access my documents?

It is likely that you have a pop-up blocker enabled. Disable your pop-up blocker in order to access document downloads.


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