Trucking companies mandatorily show the proof to the state and federal governments leading they have enough insurance coverage on their trucks to cover both the value of the truck and the cargo and protect against any liability claims, such as an accident caused by the trucker.
The two-year rule is an unofficial policy that many commercial trucking insurer companies have against the insuring drivers with less than two years of commercial driving experience, making this somewhat tricky, especially for new drivers. There are a few companies. However, that will still insure a new driver.