{"id":246,"date":"2026-04-26T21:41:23","date_gmt":"2026-04-27T03:41:23","guid":{"rendered":"https:\/\/alllegal.org\/services\/insurance-filings\/"},"modified":"2026-04-26T21:41:23","modified_gmt":"2026-04-27T03:41:23","slug":"insurance-filings","status":"publish","type":"service","link":"https:\/\/alllegal.org\/es\/services\/insurance-filings\/","title":{"rendered":"Seguros y tr\u00e1mites federales"},"content":{"rendered":"<h2 class=\"wp-block-heading\">What are federal insurance filings?<\/h2>\n\n<p class=\"wp-block-paragraph\">Federal insurance filings prove to FMCSA that you carry the minimum financial responsibility required to operate. They&#8217;re separate from your insurance policy itself \u2014 the filings are forms your insurer sends to FMCSA on your behalf certifying that you&#8217;re covered. The rules live in <a href=\"https:\/\/www.ecfr.gov\/current\/title-49\/subtitle-B\/chapter-III\/subchapter-B\/part-387\" rel=\"noopener\">49 CFR Part 387<\/a>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">The forms most carriers encounter:<\/p>\n\n\n<ul class=\"wp-block-list\">\n\t<li><strong>Form MCS-90<\/strong> \u2014 endorsement attached to your primary liability policy guaranteeing the federally required minimums regardless of policy exclusions.<\/li>\n\t<li><strong>BMC-91 \/ BMC-91X<\/strong> \u2014 proof of public liability filing. The &#8220;X&#8221; form is for split coverage across two insurers.<\/li>\n\t<li><strong>BMC-34<\/strong> \u2014 proof of cargo liability filing (required for household-goods carriers; market-required for general freight).<\/li>\n\t<li><strong>BMC-84 \/ BMC-85<\/strong> \u2014 broker financial-responsibility bond ($75,000) required for property brokers and freight forwarders.<\/li>\n<\/ul>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n<h2 class=\"wp-block-heading\">Who needs this<\/h2>\n\n<ul class=\"wp-block-list\">\n\t<li>Every for-hire motor carrier with active MC operating authority.<\/li>\n\t<li>Brokers and freight forwarders (BMC-84 surety bond or BMC-85 trust fund).<\/li>\n\t<li>Any carrier whose insurance is changing, expiring, or being replaced.<\/li>\n\t<li>Any carrier that has received a notice of cancellation from FMCSA.<\/li>\n<\/ul>\n\n\n\n<section class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e27d3c89 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--3xl);padding-bottom:var(--wp--preset--spacing--3xl)\">\n<h2 class=\"wp-block-heading\">Nuestro proceso<\/h2>\n<ol class=\"al-process al-process--vertical wp-block-all-legacy-service-process\">\n\t\t\t<li class=\"al-process__step\">\n\t\t\t<span class=\"al-process__num\" aria-hidden=\"true\">1<\/span>\n\t\t\t<div class=\"al-process__body\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"al-process__title\">Coverage review<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"al-process__desc\">We confirm your liability minimums match cargo type \u2014 $750K general, $1M\/$5M hazmat per \u00a7 387.9.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/li>\n\t\t\t<li class=\"al-process__step\">\n\t\t\t<span class=\"al-process__num\" aria-hidden=\"true\">2<\/span>\n\t\t\t<div class=\"al-process__body\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"al-process__title\">Coordinate with insurer<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"al-process__desc\">We send your underwriter the FMCSA filing instructions and confirm submission.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/li>\n\t\t\t<li class=\"al-process__step\">\n\t\t\t<span class=\"al-process__num\" aria-hidden=\"true\">3<\/span>\n\t\t\t<div class=\"al-process__body\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"al-process__title\">Verify in FMCSA records<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"al-process__desc\">We confirm the MCS-90, BMC-91X, or BMC-34 appears on your active filings.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/li>\n\t\t\t<li class=\"al-process__step\">\n\t\t\t<span class=\"al-process__num\" aria-hidden=\"true\">4<\/span>\n\t\t\t<div class=\"al-process__body\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"al-process__title\">Continuous monitoring<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"al-process__desc\">Weekly checks for cancellation notices; same-day intervention if one appears.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/li>\n\t\t\t<li class=\"al-process__step\">\n\t\t\t<span class=\"al-process__num\" aria-hidden=\"true\">5<\/span>\n\t\t\t<div class=\"al-process__body\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"al-process__title\">Renewal coordination<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"al-process__desc\">At each policy renewal we confirm new filings replace the old ones cleanly.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/li>\n\t<\/ol>\n\n<\/section>\n\n\n\n<section class=\"wp-block-group has-neutral-100-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-e27d3c89 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--3xl);padding-bottom:var(--wp--preset--spacing--3xl)\">\n<h2 class=\"wp-block-heading\">Documentos que necesitaremos<\/h2>\n\n<ul class=\"al-docs\" role=\"list\">\n<li class=\"al-docs__item\" data-required=\"true\">USDOT and MC numbers<\/li>\n<li class=\"al-docs__item\" data-required=\"true\">Current insurance policy declarations page<\/li>\n<li class=\"al-docs__item\" data-required=\"true\">Insurance carrier contact info<\/li>\n<li class=\"al-docs__item\" data-required=\"true\">Cargo type and operating radius<\/li>\n<li class=\"al-docs__item\" data-required=\"false\">Existing FMCSA filing acknowledgments (if any)<\/li>\n\n<\/ul>\n\n<\/section>\n\n\n\n<section class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-611216f9 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--3xl);padding-bottom:var(--wp--preset--spacing--3xl)\">\n<h2 class=\"wp-block-heading\">Precios<\/h2>\n\n<div class=\"wp-block-group al-quote-card al-quote-card--featured is-layout-flow wp-block-group-is-layout-flow\">\n\t\n\t<h3 class=\"wp-block-heading al-quote-card__name\">Custom quote in 24 hours<\/h3>\n\t\n\t\n\t<p class=\"wp-block-paragraph\">Filing service is included free with our consortium and renewal-management plans. Standalone filing service (filings only, no broader compliance support) is available \u2014 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.<\/p>\n\t\n\t\n\t<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\t\t\n\t\t<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/es\/free-check\/\" data-event=\"quote_cta_click\">Get my quote<\/a><\/div>\n\t\t\n\t<\/div>\n\t\n<\/div>\n\n<\/section>\n\n\n\n<section class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-25b1d9ea wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--3xl);padding-bottom:var(--wp--preset--spacing--3xl)\">\n<h2 class=\"wp-block-heading\">Preguntas frecuentes<\/h2>\n\n<div class=\"al-faq\">\n\t\t<div class=\"al-faq__item\">\n\t\t\t<button class=\"al-faq__q\" type=\"button\">\n\t\t\t\t<span>What&#039;s the minimum liability for general freight?<\/span>\n\t\t\t\t<svg class=\"al-faq__icon\" width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" aria-hidden=\"true\"><path fill=\"currentColor\" d=\"M9 4h2v12H9z\"\/><path fill=\"currentColor\" d=\"M4 9h12v2H4z\"\/><\/svg>\n\t\t\t<\/button>\n\t\t\t<div class=\"al-faq__a\">$750,000 combined single limit per 49 CFR \u00a7 387.9 for non-hazardous freight. Most market-rate policies start at $1M because shippers and brokers commonly require it.<\/div>\n\t\t<\/div>\n\t\t<div class=\"al-faq__item\">\n\t\t\t<button class=\"al-faq__q\" type=\"button\">\n\t\t\t\t<span>Do I need cargo coverage?<\/span>\n\t\t\t\t<svg class=\"al-faq__icon\" width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" aria-hidden=\"true\"><path fill=\"currentColor\" d=\"M9 4h2v12H9z\"\/><path fill=\"currentColor\" d=\"M4 9h12v2H4z\"\/><\/svg>\n\t\t\t<\/button>\n\t\t\t<div class=\"al-faq__a\">Federally required only for household-goods carriers ($5,000 per truck per shipment minimum). Most general-freight carriers carry $100,000 because shippers and brokers require it contractually.<\/div>\n\t\t<\/div>\n\t\t<div class=\"al-faq__item\">\n\t\t\t<button class=\"al-faq__q\" type=\"button\">\n\t\t\t\t<span>What&#039;s the difference between BMC-91 and BMC-91X?<\/span>\n\t\t\t\t<svg class=\"al-faq__icon\" width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" aria-hidden=\"true\"><path fill=\"currentColor\" d=\"M9 4h2v12H9z\"\/><path fill=\"currentColor\" d=\"M4 9h12v2H4z\"\/><\/svg>\n\t\t\t<\/button>\n\t\t\t<div class=\"al-faq__a\">Both prove public liability coverage. The &#8220;X&#8221; version is used when you have split coverage from two different insurers \u2014 common with primary plus excess layers.<\/div>\n\t\t<\/div>\n\t\t<div class=\"al-faq__item\">\n\t\t\t<button class=\"al-faq__q\" type=\"button\">\n\t\t\t\t<span>How fast can I get filings done after switching insurers?<\/span>\n\t\t\t\t<svg class=\"al-faq__icon\" width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" aria-hidden=\"true\"><path fill=\"currentColor\" d=\"M9 4h2v12H9z\"\/><path fill=\"currentColor\" d=\"M4 9h12v2H4z\"\/><\/svg>\n\t\t\t<\/button>\n\t\t\t<div class=\"al-faq__a\">The new filing must be on file before the old one cancels \u2014 typically a 30-day window. We coordinate with both carriers to ensure no gap.<\/div>\n\t\t<\/div>\n\t\t<div class=\"al-faq__item\">\n\t\t\t<button class=\"al-faq__q\" type=\"button\">\n\t\t\t\t<span>What happens if my insurance lapses?<\/span>\n\t\t\t\t<svg class=\"al-faq__icon\" width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" aria-hidden=\"true\"><path fill=\"currentColor\" d=\"M9 4h2v12H9z\"\/><path fill=\"currentColor\" d=\"M4 9h12v2H4z\"\/><\/svg>\n\t\t\t<\/button>\n\t\t\t<div class=\"al-faq__a\">FMCSA receives automatic cancellation notice from the insurer. You have 30 days to file replacement coverage before operating authority is revoked. We monitor and intervene before that.<\/div>\n\t\t<\/div>\n\t\t<div class=\"al-faq__item\">\n\t\t\t<button class=\"al-faq__q\" type=\"button\">\n\t\t\t\t<span>Are these filings the same as a Certificate of Insurance (COI)?<\/span>\n\t\t\t\t<svg class=\"al-faq__icon\" width=\"20\" height=\"20\" viewbox=\"0 0 20 20\" aria-hidden=\"true\"><path fill=\"currentColor\" d=\"M9 4h2v12H9z\"\/><path fill=\"currentColor\" d=\"M4 9h12v2H4z\"\/><\/svg>\n\t\t\t<\/button>\n\t\t\t<div class=\"al-faq__a\">No. A COI is a private document for shippers or brokers. Federal filings (MCS-90, BMC-91X, BMC-34) are filed with FMCSA and visible in the public Licensing &amp; Insurance database.<\/div>\n\t\t<\/div>\n\n<\/div>\n\n<\/section>\n\n\n\n<section class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ec9a8bc0 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--3xl);padding-bottom:var(--wp--preset--spacing--3xl)\">\n\t<h2 class=\"wp-block-heading\">Servicios relacionados<\/h2>\n\t\n\t<div class=\"al-services\" style=\"grid-template-columns: repeat(3, minmax(0, 1fr));\">\n\t\t<a class=\"al-service-card\" href=\"\/es\/services\/insurance-filings\/\">\n\t\t\t<h3 class=\"al-service-card__title\">Seguros y tr\u00e1mites<\/h3>\n\t\t\t<p class=\"al-service-card__desc\">MCS-90, BMC-91, BMC-34 \u2014 radicados y monitoreados.<\/p>\n\t\t\t<span class=\"al-service-card__cta\">Conocer m\u00e1s<\/span>\n\t\t<\/a>\n\t\t<a class=\"al-service-card\" href=\"\/es\/services\/mcs-150\/\">\n\t\t\t<h3 class=\"al-service-card__title\">Actualizaciones MCS-150<\/h3>\n\t\t\t<p class=\"al-service-card__desc\">Actualizaciones bienales obligatorias ante FMCSA.<\/p>\n\t\t\t<span class=\"al-service-card__cta\">Conocer m\u00e1s<\/span>\n\t\t<\/a>\n\t\t<a class=\"al-service-card\" href=\"\/es\/services\/audit-defense\/\">\n\t\t\t<h3 class=\"al-service-card__title\">Defensa de auditor\u00edas<\/h3>\n\t\t\t<p class=\"al-service-card__desc\">Preparaci\u00f3n y acompa\u00f1amiento en sitio para auditor\u00edas de seguridad FMCSA.<\/p>\n\t\t\t<span class=\"al-service-card__cta\">Conocer m\u00e1s<\/span>\n\t\t<\/a>\n\t<\/div>\n\t\n<\/section>\n\n\n\n\n<section class=\"al-cta-band\">\n\t<div class=\"al-cta-band__inner\">\n\t\t<h2 class=\"al-cta-band__title\">Hable ahora con un especialista en cumplimiento.<\/h2>\n\t\t<p style=\"color:rgba(255,255,255,0.85);margin:0 0 32px;\">Llamada promedio: menos de 10 minutos. 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