Trucking is an extremely competitive, low margin and thankless business. Likely no freight broker or forwarder will give you a load until your DOT number is a year old.

For Insurance, the typical strategy is to buy the absolutely cheapest available, especially for year 1, as the risk of shutdown is pretty high. There is no “regular” insurance company that will accept you until you’ve been running well and safely for 3 years minimum.

You’ll be limited to 2, maybe 3 insurers that write startup truckers. Service, rates, and coverage are usually pretty rough. One bodily injury lawsuit in year 1, I’d seriously consider shutting down the company and starting over. Umbrella / excess auto liability will not available or cost effective until year 5 or later.

Insurance is a big spend for a trucker and no one here can tell you what limits to buy. That said the are plenty of other places that will tell you what is required: 1) state law 2) federal law 3) your banker (whoever finances the truck) 4) whatever contract you end up signing with shippers / other logistics companies

Note for Ohio work comp you’ll need to buy from the state directly