
BMC‑91X – Proof of liability insurance for interstate carriers
MCS‑90 – Federal endorsement required for liability compliance
Form E – State-level liability filing
Form H – State-level cargo filing
OS/OW Bonds – For oversize/overweight permits
These filings are required for:
New trucking authorities
For‑hire carriers
Interstate operations
Certain intrastate carriers
Specialized freight operations
Insurance Policy Your actual coverage: liability, cargo, physical damage, etc.
Insurance Filing Proof submitted to the FMCSA or state agencies showing you have the required coverage.
Key differences:
A policy alone does not activate your authority
Filings must be submitted by the insurance carrier
Filings must match your authority type and operation
Incorrect filings can delay or suspend your authority

Activate your DOT/MC authority
Prevent authority delays or suspensions
Ensure compliance with FMCSA requirements
Meet state-level insurance regulations
Protect your business from fines and shutdowns
Keep brokers and shippers confident in your operation
It’s proof of liability insurance required for interstate for‑hire carriers.
A federal endorsement confirming your liability coverage meets FMCSA requirements.
Some states require Form E or Form H filings for intrastate carriers.
Most filings are submitted electronically and processed quickly, depending on the carrier.
Yes. Missing or incorrect filings can delay activation or cause suspension.