Commercial Truck Insurance: Federal Filings Explained

If a trucking business is involved in interstate trucking or hauling hazardous cargo there is a good chance you will need a federal filing.  Truck companies will also have to carry minimum liability limits as mandated by the Federal Motor Carrier Safety Administration (FMCSA). Here is a quick outline of the different filings and coverage that might be required.

BMC-91 or BMC-91x

This document is submitted to FMCSA and guarantees that you meet the minimum amount of liability insurance required  for the type of cargo you ship. The amount of liability insurance needed varies by the weight of the truck and the type of cargo carried.

$300,000 is required for non-hazardous freight carried in vehicles weighing under 10,000 lbs.

$750,000 is required for non-hazardous freight carried in vehicles weighing over 10,000 lbs.

$1,000,00-$5,000,000 is required for hazardous freight depending on the type of material hauled.

BMC-34

This filing guarantees that you meet the minimum amount of cargo liability insurance.  Currently this is only required for carriers of household goods (moving companies).

MCS-90

MCS-90 is an endorsement that must be attached to the policy if you are required to have a federal filing. This is not actually filed with the FMCSA, the BMC-91 is certification that this endorsement has been added to the policy.

At Keller National we will take care of these filings for you, get a quote today on truck insurance!

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