about ins. do i have to have a seperate policy for each truck or will just 1 cargo and liabity policy work

You add each truck to your cargo and liability policy, my company requires 2 months premium upfront, then you pay for 10 months, 2 months w/o premium, then you renew again by paying 2 month premium to renew. You as the carrier are responsible for the cargo and liability. Where will the money come from? Where should it come from?

I will pay for it .I got some money saved up. I will call about ins. cost tommorow

My point is you want the truck to pay for it. Try to sell the O/O to cover some type of sign-on cost (it may work it may not). The truck is/ will be generating the revenue, so be sure the truck can cover all cost.