What is a BMC-91 filing?

An FMCSA financial-responsibility filing your insurer submits to show you carry the required minimum liability. It ties your coverage to your operating authority. The BMC-91X is a related form.

What is the minimum liability for trucking?

It is set by FMCSA regulation and varies by commodity, with higher minimums for certain hazmat. Many contracts require more. Verify current minimums with the FMCSA.

Is the federal minimum enough coverage?

Not necessarily. The minimum satisfies a filing requirement, but a serious accident can far exceed it. We help you set a limit that fits your real exposure.

Financial Responsibility & BMC-91

The financial responsibility filing that activates authority.

The FMCSA requires for-hire carriers to keep proof of financial responsibility on file, commonly the BMC-91 or BMC-91X, tied to a minimum liability limit that varies by what you haul. This is general information, not legal advice.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

The BMC-91 and BMC-91X are FMCSA financial-responsibility filings that show a for-hire carrier maintains the required minimum liability coverage. The minimum limit varies by commodity, with higher minimums for certain hazardous materials, and the filing is generally required for the authority to stay active.

What the filing does

The BMC-91 or 91X is filed by your insurer to tell the FMCSA you carry the required minimum liability. It is what ties your primary liability coverage to your operating authority, and the authority generally depends on it staying in force. A lapse can lead to revocation.

Minimum limits vary by commodity

Federal financial-responsibility minimums depend on what you haul, with general freight at one level and certain hazardous materials requiring substantially higher minimums. Many shippers and brokers also require more than the federal minimum by contract. We confirm your limit meets both. Verify current minimum figures with the FMCSA, since they are set by regulation.

Filing is not the whole picture

Meeting the filing minimum does not mean you are fully protected; the minimum may be far below your real exposure, and a serious accident can exceed it. The filing satisfies a federal requirement, not your risk. This is general information, not legal or FMCSA advice and not a compliance determination. Insurance filings are not the same as legal compliance, and requirements change. Verify current rules and your specific situation with the FMCSA and qualified advisors.

The financial responsibility filing that activates authority.

What the filing does

Minimum limits vary by commodity

Filing is not the whole picture

Common questions.

Make sure your coverage and filings line up

Keep going.

Filings & Compliance

Primary Liability

Trucking Coverage Review

Line your coverage up with your filings.