What is Cross Border Insurance?

Cross Border Insurance is a specialized type of coverage designed to protect Mexican commercial vehicles operating within the United States. This insurance ensures compliance with U.S. federal and state regulations while offering financial protection against a wide range of risks that arise during cross-border transportation.

What Does Cross Border Insurance Typically Cover?

A well-structured cross-border insurance policy may include:

• Auto Liability

• Physical Damage

• Motor Truck Cargo

• General Liability

These coverages help mitigate losses resulting from collisions, cargo damage, and other liabilities while operating in U.S. territory.

Regulatory Requirements: MC-Enterprise and MX Authorities

Mexican carriers must obtain specific U.S. operating authorities to transport goods legally across the border:

• MC-Enterprise Authority: Required for companies operating beyond U.S. commercial zones.

• MX Authority: For carriers that operate solely within designated U.S. commercial zones near the border.

These authorities determine where and how a carrier may operate, and they influence the type and extent of insurance required.

What Is Needed to Quote a Cross Border Risk?

To obtain an accurate insurance quote for a cross-border trucking risk, insurers typically request the following:

Quick Quote Requirements:

• Completed quote form with requested coverages

• Vehicle weight and radius of operation (from the border)

• Vehicle and driver schedule (in Excel)

• Loss runs report (issued within the last 30 days)

• MVRs (Motor Vehicle Records) or Mexican licenses for drivers and/or company owners

• Exclusion letter (if owners are not operating the vehicles)

• Proof of address in Mexico

• Valid Mexican vehicle registrations (tarjetas de circulación)

• IFTA reports, if applicable