What are federal insurance filings?
Federal insurance filings prove to FMCSA that you carry the minimum financial responsibility required to operate. They’re separate from your insurance policy itself — the filings are forms your insurer sends to FMCSA on your behalf certifying that you’re covered. The rules live in 49 CFR Part 387.
The forms most carriers encounter:
- Form MCS-90 — endorsement attached to your primary liability policy guaranteeing the federally required minimums regardless of policy exclusions.
- BMC-91 / BMC-91X — proof of public liability filing. The “X” form is for split coverage across two insurers.
- BMC-34 — proof of cargo liability filing (required for household-goods carriers; market-required for general freight).
- BMC-84 / BMC-85 — broker financial-responsibility bond ($75,000) required for property brokers and freight forwarders.
If your insurance lapses, FMCSA receives an automatic cancellation notice and your operating authority can be revoked within 30 days. We coordinate the filings with your insurer, monitor the FMCSA records weekly, and intervene before any cancellation reaches the revocation window.
Who needs this
- Every for-hire motor carrier with active MC operating authority.
- Brokers and freight forwarders (BMC-84 surety bond or BMC-85 trust fund).
- Any carrier whose insurance is changing, expiring, or being replaced.
- Any carrier that has received a notice of cancellation from FMCSA.
Nuestro proceso
-
Coverage review
We confirm your liability minimums match cargo type — $750K general, $1M/$5M hazmat per § 387.9.
-
Coordinate with insurer
We send your underwriter the FMCSA filing instructions and confirm submission.
-
Verify in FMCSA records
We confirm the MCS-90, BMC-91X, or BMC-34 appears on your active filings.
-
Continuous monitoring
Weekly checks for cancellation notices; same-day intervention if one appears.
-
Renewal coordination
At each policy renewal we confirm new filings replace the old ones cleanly.
Documentos que necesitaremos
- USDOT and MC numbers
- Current insurance policy declarations page
- Insurance carrier contact info
- Cargo type and operating radius
- Existing FMCSA filing acknowledgments (if any)
Precios
Custom quote in 24 hours
Filing service is included free with our consortium and renewal-management plans. Standalone filing service (filings only, no broader compliance support) is available — we send a quote in 24h. We do not sell insurance and earn no commissions, so we recommend the right coverage rather than the most expensive.
Preguntas frecuentes
Servicios relacionados
Hable ahora con un especialista en cumplimiento.
Llamada promedio: menos de 10 minutos. Le diremos exactamente qué necesita.