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Federal liability filings

Liability Insurance With a BMC-91 Filing

Your operating authority stays inactive until an insurer files proof of liability coverage with FMCSA. Tell us what you need and a licensed agent or partner may contact you.

  • New MC authorities and reinstatements
  • BMC-91 and BMC-91X filings
  • General freight, hazmat and passenger carriers

Liability quote with a BMC-91 filing

For new and existing for-hire motor carriers. Free, no obligation.

Step 1 of 3About 60 seconds
Where you are based
Authority and filing
Contact details for your quote

Secure request. Free, and you choose whether to proceed.

Filing-focusedEvery question relates to the filing you need.
Quick to startThree steps, mostly dropdowns.
No chargeRequests are free.
Plain explanationsWhat each form is and who files it.

The filings

Forms that prove your liability coverage

The insurer, not the carrier, files these forms. Here is what each one means.

BMC-91

The standard certificate showing bodily injury and property damage liability for a motor carrier.

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BMC-91X

The liability certificate that can show full coverage or a primary or excess layer.

Learn more

Minimum limits

How federal minimum liability amounts depend on cargo and vehicle size.

Learn more

Reinstatement

Getting a revoked authority back after insurance lapsed.

Learn more
Filing overview

How it works

How a filing request works

  1. Describe the authority

    Authority type, filing needed, freight and number of power units.

  2. Possible agent review

    A licensed agent or partner may contact you about drivers, equipment and history.

  3. Choose coverage

    Compare limits, deductibles, payment plans and whether the insurer files for you.

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Why it matters

No filing

FMCSA will not activate interstate for-hire operating authority until required insurance is on file, and it can revoke authority when a filing is cancelled and not replaced.

Insurer files it

The insurer submits the filing electronically after binding.

Cancellation notice

An insurer cancelling a filing must give FMCSA advance notice.

Minimums vary

Required limits depend on what you haul and vehicle size.

Every power unit

Each vehicle you operate must be covered by the liability policy.

Desk with filing paperwork, a laptop and a small model semi truck

Guides

Authority and filing guides

How to Get a New MC Authority Activated

A step-by-step look at what must be on file before FMCSA activates for-hire operating authority.

Read the guide

Why Liability Filings Get Cancelled, and How to Avoid It

Missed payments, underwriting changes and insurer switches are the usual causes. Here is how each plays out.

Read the guide

Filing questions

Do you file with FMCSA for me?

No. BMC91 is a request service. The insurer that writes your coverage makes the filing.

Is the request free?

Yes, and you have no obligation to buy.

Are you part of FMCSA?

No. This site is not affiliated with FMCSA or any government agency.

Who contacts me?

A licensed agent or partner who writes motor carrier liability may contact you by phone, text or email as agreed.

How do I stop messages?

Reply STOP, ask the caller to stop, or use the privacy page form.

More questions and answers

Need a liability filing on your authority?

Tell us your authority type, filing and units. A licensed agent or partner may contact you to review options.

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