Filings concierge

MCS-90, BMC-91, Form E.
Filed, swept, defended.

Federal endorsements attach on bind. State filings route to the carrier holding the line. Our daily sweep watches every filing and surfaces lapses before they become out-of-service orders.

Federal filings

What FMCSA L&I requires.

Federal financial-responsibility filings sit at FMCSA Licensing & Insurance Division. Each filing attaches to a specific underlying coverage line and is filed by the carrier writing that line — not by the broker. Our job: route the right filing to the right carrier and verify L&I shows it landed before treating the bind as complete.

MCS-90

Motor Carrier Public-Protection Endorsement

Floor: $750K (general); $5M (hazmat as MCS-90B)

Trigger: Every for-hire interstate motor carrier

49 CFR §387.15

BMC-91

Proof of Liability — initial filing

Floor: Matches §387.9 minimum

Trigger: Initial AL bind for interstate motor carrier

49 CFR §387.7

BMC-91X

Proof of Liability — cancellation

Floor: n/a (cancel filing)

Trigger: AL carrier cancellation / non-renewal

49 CFR §387.7

BMC-34

Cargo Filing — household goods only

Floor: $5K/vehicle; $10K/occurrence

Trigger: Household-goods motor carriers (HHG)

49 CFR §387.303

BMC-32

Cargo Filing — interstate

Floor: $5K/vehicle; $10K/occurrence

Trigger: Interstate cargo (where applicable)

49 CFR §387.303

BMC-84

Broker Bond (surety)

Floor: $75K

Trigger: Property brokers + freight forwarders

49 CFR §387.307

State filings

Per-state proof-of-liability.

State filings cover intrastate motor carrier operations and certain jurisdictional cases where federal coverage doesn't fully reach. Form E is the most common — required by CA, IL, NY, TX, and others for intrastate authority. Form K is the cancellation counterpart and is typically auto-filed by the prior AL carrier on non-renewal.

Form E

State proof-of-liability

Jurisdictions: CA, IL, NY, TX, others

Required for intrastate motor carriers in the listed states

Form K

State proof-of-liability cancel

Jurisdictions: CA, IL, NY, TX, others

Cancellation-of-Form-E equivalent — typically auto-filed on AL cancel

MCS-150

Biennial USDOT update

Jurisdictions: All — federal

Carrier's filing (not AL carrier's); 24-month cadence; reminder service available

Cancellation sweep cadence

The daily watch on every filing.

A lapsed filing — whether by carrier non-renewal, customer non-pay, or silent administrative cancel — pulls your operating authority out of service. The first signal is usually a load board flagging your MC as non-active. By then you have a 30-day clock running.

Our daily sweep watches the FMCSA L&I status for every filing on every customer program. The cadence:

T-30 alert: Filing flagged for cancellation in 30 days. Customer notification + cure path surfaced.
T-7 alert: Final reminder. Pre-positioning the replacement filing if cure has not completed.
T-0 / T+1: Verify either cure landed OR replacement filing posted at L&I. If neither, escalate to operator.

Cancellation triggers that are NOT customer-driven (carrier portfolio actions, FMCSA administrative re-files, state DOT cycle changes) are handled the same way — the customer sees the watch operating, not the cancellation surprise.

Add-on pricing

Filings concierge as an add-on.

Standard federal-filing routing (MCS-90, BMC-91, BMC-91X) is included in the broker fee — these filings attach automatically to AL bind. State filings (Form E, Form K), broker bonds (BMC-84), and the cancellation sweep cadence are an opt-in concierge add-on per ADR-NR-003 §3 pricing.

For motor carriers operating in 5+ states with mixed intra/inter authority, the concierge add-on typically pays for itself on the first avoided OOS event.

A.M. Best gate A- floor

Affiliate consent Per-affiliate, never bundled

Loss history 5-year standard

Authority filings status uncertain?

We pull your L&I record at intake and surface every filing's current status before the first bind conversation.

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