Insurance

Insurance Requirements for DOT Filing

The first step in shopping for competitive prices on an insurance policy for your transportation company is to understand the types, and limits of insurance you are required to carry. There will likely be several separate entities that will demand you to submit proof that your company is insured, and that the coverage meets their set of conditions. These organizations include any company with whom you are contracted, the city, State, and the Federal government. Each of these groups can have different expectations. The Insurance Requirements for DOT Filing are quite strict; so I have provided information from the FMCSA below.

We at Urban Insurance have the experience and resources to help you save money while guaranteeing that coverage meets the Insurance Requirements for Commercial Trucks. We have a A+ rating at the Better Business Bureau and we will search on one, but a variety of companies to find you the lowest rates for the coverage you need.

In addition to filing an application for operating authority, all applicants for motor carrier, freight forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the authorities. The required filings vary, based on the types of registrations involved. Below is a list of pre-registration forms, followed by an explanation of which types of registrants are subject to filing those forms.

Requirements

Form	Description	Authorities Subject to Filing
BMC-91 or BMC-91X	Public liability insurance (bodily injury/property damage/environmental restoration)	Motor Carrier Freight Forwarder (Note: Non-vehicle operating freight forwarders may seek waiver of this requirement.)
Freight:–$750,000 – $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs. Passengers:–$5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.
BMC-34 or BMC-83	Cargo insurance–$5,000 per vehicle $10,000 per occurrence	Household Goods Motor Carrier Household Goods Freight Forwarder
BMC-84 or BMC-85	Surety Bond amount is $75,000 Trust Fund Agreement amount is $75,000	Freight Forwarder Broker of Freight
BOC-3	Service of Process Agents	All Authorities
MCS-90	Endorsement for Motor Carrier Policies of Insurance for Public Liability under Sections 29 and 30 of the Motor Carrier Act of 1980	Hazmat Safety Permit Carriers

Insurance Requirements for DOT Filing

When sending the proof showing you are in compliance with The Insurance Requirements for DOT Filing, it is critical you ensure that the name and address of the business marked on your pre-registration filings match exactly the name and address provided to your insurance agent. Any deviation will result in rejection of the supplemental pre-registration filings, or a renewal of your filing.

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