Items on a flatbed: Do you currently have commercial insurance? Commercial Insurance is mandatory for CDL drivers in District of columbia Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question Items on a flatbed: Answers Usually weigh enough that they do not need to be strapped down. Do not need to be tied down if the driver is traveling fewer than 100 miles. Must be secured. Must be wrapped in plastic. Explanation Cargo on a flatbed trailer or a trailer without sides must be secured to keep it from shifting or falling off during a trip. You should be aware of tie-down requirements for your particular cargo.