According to the FMCSA, motor carriers filing for operating authority are required to have specific insurance and legal process agent documents on file before the FMCSA will issue the authorities.
Although the required filings vary based on the types of registrations involved, the stipulations and minimum coverage amounts are clearly outlined on the FMCSA’s website which can be found here.
First time applicants must apply using the Unified Registration System (URS).
Furthermore, liability and cargo insurance forms must be submitted directly online by the home office of the insurance company furnishing the coverage.
Both Interstate and Intrastate carriers are required to obtain insurance according.
Forms and Insurance Types
BMC-91 or BMC-91X (Bodily Injury and Property Damage)
BMC-91 or BMC-91X are FMCSA forms needed to be filled by motor carriers and freight forwarders. The insurance is related to property damage, bodily injury, and environmental restoration, as per the FMCSA’s website.
A link to the BMC-91 form can be found here.
BMC-34 or BMC-83 (Cargo)
BMC-34 or BMC-83 forms are required for Household Goods Motor Carriers and Household Goods Freight Forwarders. This insurance is described as cargo insurance– $5,000 per vehicle & $10,000 per occurrence.
BMC-84 or BMC-85 (Broker Surety Bonds and Broker Trust Fund Agreements)
BMC-84 or BMC-85 forms are described as follows. BMC-84 is a surety bond in the amount of $75,000. The bond serves as a guarantee of payment between the broker and motor carriers.
However, BMC-85 requires freight brokers to provide $75,000 of collateral to be held in trust for the duration of their license.
So, the benefit of BMC-84 over BMC-85 is the freight broker surety bond, meaning that the broker doesn’t have to pay the $75,000 upfront.
BOC-3 (Designation of Agents for Service of Process)
Process agents file the BOC-3 form on behalf of the carrier with the FMCSA. It enables the authorized person to accept legal documents on your behalf in the state where you conduct your business.
All authorities are required to have this filing.
MCS-90 (Endorsement For Motor Carrier Policies of Insurance)
MCS-90 is a hazmat safety permit for carriers. It’s an endorsement for motor carriers’ insurance policies that must be attached to the auto liability policy to ensure that federal coverage is in place
Motor Carrier Insurance Forms:
- Licensing and Insurance (L&I) System
- Form BMC-85 – Property Broker’s Trust Fund Agreement Under 49 U.S.C. 13906 or Notice of Cancellation of the Agreement
- Form BOC-3 – Designation of Agents for Service of Process
- Form MCS-82 – Motor Carrier Public Liability Surety Bond under Sections 29 and 30 of the Motor Carrier Act of 1980
- Form MCS-82B – Motor Carrier Public Liability Surety Bond under Section 18 of the Bus Regulatory Reform Act of 1982
- Form MCS-90 Endorsement for Motor Carrier Policies of Insurance for Public Liability under Sections 29 and 30 of the Motor Carrier Act of 1980
- Form MCS-90B Endorsement for Motor Carrier Policies of Insurance for Public Liability under Section 18 of the Bus Regulatory Reform Act of 1982
Here is a simple startup guide for new motor carriers