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Insurance Filing Requirements


In addition to filing an application for operating authority, all applicants for motor carrier, freight forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the authorities. The required filings vary, based on the types of registrations involved. Below is a list of pre-registration forms, followed by an explanation of which types of registrants are subject to filing those forms. 

Please note that first-time applicants with FMCSA must apply using the Unified Registration System (URS) as of December 12, 2015. Existing registration- or authority-holders may apply for authorities using the OP-series forms until a later date. On January 17, 2017, FMCSA published a Federal Register notice with more details on the suspension of the URS effectiveness date.

Liability and cargo insurance forms must be submitted directly (online) by the home office of the insurance company furnishing the coverage. The FMCSA does not furnish copies of insurance forms.




Authorities Subject to Filing

BMC-91 or BMC-91X

Public liability insurance (bodily injury/property damage/environmental restoration)

  • Motor Carrier
  • Freight Forwarder (Note: Non-vehicle operating freight forwarders may seek waiver of this requirement)
  • Freight: $750,000 - $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs.
  • Passengers: $5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.

BMC-34 or BMC-83

  • Cargo insurance--$5,000 per vehicle
  • $10,000 per occurrence
  • In addition to BMC-91 or BMC-91X
  • Household Goods Motor Carrier
  • Household Goods Freight Forwarder 

BMC-84 or BMC-85

  • Freight Forwarder
  • Broker of Freight


Service of Process Agents

All Authorities


Endorsement for Motor Carrier Policies of Insurance for Public Liability under Sections 29 and 30 of the Motor Carrier Act of 1980

Hazmat Safety Permit Carriers

How to file

Applicants should be prepared to contact their agents to request filing of the required forms immediately after obtaining their designated docket number. These filings must be received within 90 days after the FMCSA has published public notice of intention to register the applicant. (Applicants will be notified by letter of their docket number and date of publication in the FMCSA Register)

Applicants are cautioned to ensure that the name and address of the business as set out in all pre-registration filings match exactly the name and address provided in their application for operating authority filings. Any deviation will result in rejection of the supplemental pre-registration filings.

Where to File

Only insurers (insurance underwriters), not insurance agents, and financial institutions can establish e-filer accounts to electronically file insurance forms (BMC-91,91X, 34, 84, 85, and others).  It's important to clarify that these filer accounts are exclusively designated for financial institutions and insurance underwriters.

In our ongoing efforts to streamline and enhance customer service, we are providing the template below. as a guide, to assist with the completion of setting up your electronic filing account. This template has been specifically designed to efficiently gather all necessary information required for the establishment of your account.

It is suggested that the completed template be copied and pasted onto your company letterhead and attached as a PDF to be submitted to the Financial Responsibility Filings Division. Application documents will only be accepted via postal mail or via email at, using an official company e-mail address. Please ensure that all fields in the provided template are completed accurately and comprehensively. Failure to provide complete information may result in delays in processing your account set up request.

We appreciate your cooperation, should you require any assistance or clarification regarding the completion of this template, please reach out to the Financial Responsibility Filings Division at for support. Once the required information is completed and gathered, please submit e-filer applications to

A statement on company letterhead indicating the reason you are requesting an e-filer account.

What type of filings are you requesting to make? (Check all that apply.)

BIPD (BMC-91 or BMC-91X)

Trust Fund Agreement (BMC-85)

Surety Bond (BMC-84)

Cargo (BMC-34)

BIPD Bond (BMC-82)

Cargo Bond (BMC-83)

Headquarters’ (Home) Office Address (Address should match state registration information)

Primary Contact for Customers

(Customers will be referred here if they or FMSCA needs to reach the company)





Point of Contact/Account Administrator (For FMCSA to contact if we have questions regarding account or filing activity)




Billing Contact

($10 filing fee applies for each policy filing) (This POC will receive the billing statement each month; failure to pay the bill on time may result in account suspension)






Preferred username for the account

Employer Identification Number (EIN) or Tax Identification Number (TIN)

NAIC Number (Insurance Companies)

Other Identification Number, if applicable (FDIC, state banking license number…etc.)

Please provide a copy of your company’s certificate or license from your state or federal regulatory board. (Insurance certificate, banking certificate, etc.).

Submit via postal mail to (processing time may take several weeks this way):

Office of Registration, Financial Responsibility Filings Division (MC-RSF)
1200 New Jersey Avenue SE, W63-105
Washington, DC 20590

For faster processing submit via email at,