B1 Driver Insurance:
Commercial Truck Coverage for Canadian and Mexican Drivers
Smarter Truck Insurance Agency specializes in helping U.S. motor carriers insure their operations when hiring B1-licensed drivers from Canada or Mexico. We partner with insurance carriers who understand the unique needs of cross-border trucking and offer tailored coverage solutions designed specifically for this niche.
Published · July 18, 2025
By Adrian Cisneros
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What Is a B1 Driver and Why It Matters for Trucking Insurance?
A B1 visa allows qualified commercial drivers from Mexico or Canada to temporarily operate trucks in the U.S. for specific business purposes. These drivers play a crucial role in cross-border freight movement.
While fully legal and recognized by FMCSA, many insurance carriers avoid covering operations that involve B1 drivers—leaving trucking companies with limited options.
That’s where Smarter Truck Insurance comes in.
B1 Driver Insurance for U.S. Trucking Companies
If your business depends on cross-border transportation and employs or leases B1-licensed drivers, you need an insurance partner who understands the complexities and compliance requirements.
At Smarter Truck Insurance Agency, we:
Work with carriers that actively insure B1 drivers
Understand FMCSA and DOT regulations
Help you onboard drivers quickly with same-day quotes
Build custom trucking insurance packages to match your operations
While many agencies say, “We don’t insure B1 drivers,” We say: Let’s find a way.
We offer flexible, FMCSA-compliant insurance programs for fleets or single-unit operations using B1 CDL drivers.
Our available coverage options include:
Types of Trucking Insurance Available for B1 Drivers:
Primary Liability Insurance: Meets FMCSA requirements. Covers third-party bodily injury and property damage
Motor Truck Cargo Insurance: Protects your freight in transit against theft, damage, or loss
Physical Damage Insurance: Covers your trucks and trailers in case of collision, fire, theft, or vandalism
General Liability: Covers non-driving-related business risks like loading/unloading or terminal operations
Bobtail / Non-Trucking Liability: Covers trucks when they’re operated without a trailer or outside dispatch
Occupational Accident (Optional): An affordable alternative to workers' compensation for independent contractors
What You Need to Get a B1 Driver Insurance Quote
To get started, we’ll ask for:
Your USDOT and MC number
Truck info (VIN, year, make, model)
Driver details (B1 status, CDL experience)
Lease agreements or independent contractor contracts
Your business location and operational radius
We’ll review your info and pair you with B1-friendly insurance carriers—often within the same day.
Why Choose Smarter Truck Insurance?
When you work with us, you’re getting more than just a policy. You gain a team that:
Specializes 100% in trucking
Understands cross-border B1 regulations
Partners with B1-supportive insurers
Delivers fast turnaround on quotes and bindings
Provides real expertise—not just a call center
FAQ's
Can U.S. carriers legally insure B1 drivers?
Yes. B1 drivers are authorized under U.S. law to operate in specific commercial contexts. Smarter Truck Insurance works with carriers who specialize in these operations.
Is B1 driver insurance more expensive?
Not always. Premiums depend more on driving history, unit value, and radius than on visa status.
What documents do I need to get started?
We typically request the USDOT and MC numbers, driver details, truck information, proof of lease or contract, and a Loss Run Report for the past five years (if it's a renewal).
Whether you're managing a large fleet or hiring just one B1-licensed driver, we’re ready to help you stay compliant and protected.
Call Us for a Fast, Free B1 Driver Insurance Quote:
888-800-3167
Contact us via our quote form or email us directly.
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