Protect Your CDL. Protect Your Future.
Even experienced drivers can lose opportunities due to insurance requirements, violations, or small patterns over time. Learn how to stay compliant and keep more doors open.
See How to Stay HireableWhy Insurance Eligibility Matters
Every trucking company in the United States is required to carry liability insurance. Insurance underwriters set strict eligibility criteria based on a driver's record, and these criteria are outside any carrier's control.
If your record doesn't meet underwriting requirements, carriers cannot add you to their policy — regardless of your skills or experience. This isn't a personal judgment. It's an industry-wide requirement that all carriers must follow.
The good news: most of the factors that affect eligibility are within your control. Taking steps now can make a real difference for your future opportunities.
What Affects Your Eligibility
Accidents on Record
Preventable accidents within the last 3 years are a major factor. Even one at-fault accident can significantly impact eligibility.
Moving Violations
Speeding tickets, lane violations, and other moving violations accumulate on your CSA score and DAC report.
SAP Program Status
If you entered a Substance Abuse Program, completion and return-to-duty clearance are required before most carriers can hire.
Experience Level
Most insurance policies require a minimum of 1-2 years of verifiable OTR experience with a CDL-A.
Drug Test History
Failed or refused drug tests are reported to the FMCSA Clearinghouse and are visible to all carriers.
CDL Status
An active, valid CDL-A with no suspensions or restrictions is the baseline requirement for every carrier.
Real Situations That Impact Your Record
These short examples show how small decisions on the road can affect safety, inspections, and long-term driver records.
Check Your Blind Spots
Make Wide Turns Carefully
Long Stopping Distances
How Forsage Supports Driver Safety
Modern Equipment
All trucks are 2020 or newer with collision mitigation, lane departure warnings, and stability control.
Samsara Integration
Real-time GPS, ELD compliance, and driver coaching tools help you stay compliant and build a stronger record over time.
Dash Cameras
Forward and driver-facing cameras protect you in incidents and provide coaching to help improve driving habits.
Speed Governance
All trucks governed at 70 mph to promote safe driving speeds and reduce accident severity.
Regular Maintenance
Escrow funds ensure trucks are properly maintained. We don't cut corners on safety-critical repairs.
Safety Bonuses
Drivers with clean safety records are rewarded. We recognize and incentivize safe driving behavior.
Steps You Can Take Today
Drive clean
Avoid speeding, hard braking, and distracted driving. Every mile counts toward your record.
Monitor your DAC report
Request a free copy of your DAC report from HireRight. Review it for errors and dispute anything inaccurate.
Check your FMCSA Clearinghouse
Verify your Clearinghouse status is clean. If there's a violation, complete the return-to-duty process fully.
Keep your CDL current
Renew on time, maintain your medical card, and ensure all endorsements are up to date.
Complete SAP if applicable
If you've been through a SAP program, make sure you have full return-to-duty documentation and follow-up testing completed.
Build verifiable experience
If you're under 2 years of experience, keep driving and building your record. Time and clean miles work in your favor.
Zero Tolerance Policy
Forsage maintains a strict zero-tolerance policy for:
Your Record Can Change
Insurance eligibility isn't permanent. As violations age off your record and you build clean miles, your profile improves. If your situation changes, we'd be happy to revisit your application.
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