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What’s a BMC 91 Filing?

Like any other industry, trucking businesses must comply with state and federal insurance laws. The FMCSA oversees this sector, requiring all motor carriers, broker authorities, and freight forwarders to have the necessary insurance in place before they can be issued operating authorities.

However, it’s important to note, different situations require different filings. Therefore, you must know what federal filings you need since each has a distinct purpose. The main factors that influence which truck insurance filings you need are the type of cargo you haul, what you drive, and your hauling radius.

In this article, we’ll discuss the importance of BMC-91 filings as well as the MCS-90, BMC-84, and BMC-34. Let’s get started.

Truck Insurance Filings

BMC-91 or BMC-91X

A BMC-91 filing acts as proof that you have the necessary liability coverage for transporting people and commodities across state lines. If you have coverage with multiple insurance carriers, you’ll need to file a BMC-91X.

It’s important to note that what you’re transporting will influence your limit. If you’re hauling freight, your liability limit will be between $750,000 to $5,000,000, depending on the type of goods. Commercial vehicles with a GVWR of less than 10,001 pounds may only be required to carry $300,000 if they’re hauling non-hazardous cargo. The higher the risk, the higher the limit.

If you transport more than 15 people (including yourself), your coverage limit is $5,000,000. For fewer than 15 people, you’ll need $1,500,000 in coverage.


The MCS-90 is not insurance, but it must be attached to your liability policy. This endorsement acts as proof of insurance, confirming that you have liability coverage equal to or greater than the minimum required amount.

BMC-84 or BMC-85

For freight brokers or freight forwarders, these filings are crucial for maximizing the financial security of the goods you’re transporting. A surety bond or trust fund agreement of $75,000 is required, which can be fulfilled with either of these filings.

Insurance carriers can issue a BMC-84, a surety bond valued at $75,000 and issued under the name of the policyholder. This bond is similar to an insurance policy, needing renewal every year to remain active.

Alternatively, a BMC-85 requires you to open a $75,000 trust in your name, protecting motor carriers and shippers if you fail to meet your contractual agreement.

BMC-34 or BMC-83

These filings apply to household goods motor carriers and household goods freight forwarders. If this is you then you’ll need to provide proof of cargo liability insurance. The limit is $5,000 per truck and $10,000 per occurrence.

However, truck insurance agents often recommend higher cargo limits than that. If you’re wondering about cargo insurance cost information, on average then give us a call today and one of our agents can assist.

Bottom Line

If you’re unsure about which federal insurance filings you need, reach out to one of our dedicated team members. Our separate division specializes in filings, compliance, and other regulatory aspects of your trucking business. We’ve been in the transportation industry for many years, so we understand what’s required of you.

If you’re interested in a truck insurance quote, feel free to give us a call or fill out our online quote form. An agent will contact multiple insurance providers to get you the best rates and coverage options.


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