To operate under your own authority, motor carriers must often meet various financial responsibility regulations based on the weight of vehicles operated and commodities hauled.
Horizon Insurance Services makes it easy to obtain motor carrier filings for your required levels of financial responsibility. From the Form E to the BMC-91 filing, Horizon Insurance can help. Once you obtain your motor carrier authority, we’ll take care of the rest. We’ll even file all of the paperwork for you
Types of commercial auto insurance filings include:
Intrastate truck filings
Form E: Confirms that your commercial auto insurance meets State guidelines.
Form F: Policy endorsement that customizes your coverage to meet financial guidelines in your State.
Form H: Declares that you have sufficient cargo liability insurance.
Form K: Cancels a previous State insurance filing.
MCP-65 Filing: Commercial vehicle operators in California must obtain a Motor Carrier Permit and a Carrier Identification Number. An MCP-65 filing (also called a DMV65MCP) is a certificate of insurance that must be sent to the California DMV as proof that you carry the required level of Liability insurance.
Federal truck filings and forms
The following federal filings are required for businesses engaging in interstate trucking or transportation of specific cargo.
An MCS–90 endorsement. An endorsement that must be attached to the auto liability policy of certain regulated motor carriers to ensure that federally mandated coverage (e.g., required liability limits and environmental restitution coverage) is in place.
A BMC–91 filing is a document submitted to the Federal Motor Carrier Safety Administration (FMCSA). The BMC–91 filing guarantees the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.
A BMC-32 is an endorsement that must be attached to Cargo Liability insurance that guarantees a minimum level of coverage for cargo losses for which you are liable.