BMC-91 Filing for Trucking Insurance: Complete Guide
•TruckSafe
What is BMC-91?
BMC-91 is the form your insurance company files with FMCSA proving you carry minimum required liability insurance.
FMCSA Liability Minimums
- $750,000 — general freight
- $1,000,000 — hazardous materials
- $5,000,000 — certain oil/gas + 16+ passengers
Process Timeline
- Bind insurance policy (Day 0)
- Insurer submits BMC-91 to FMCSA (Day 1-3)
- FMCSA processes (~7-21 days)
- MC Authority becomes ACTIVE
Common Mistakes
- Cancelling old policy before new one binds → MC de-activated
- Carrying only $750K minimum (most brokers want $1M)
- Not verifying carrier filed BMC-91 electronically
FAQ
What is BMC-91?+
BMC-91 is a form filed by insurance company with FMCSA proving motor carrier has minimum required liability insurance ($750K general freight, $1M hazmat, $5M oil/gas).
How long does BMC-91 filing take?+
Insurance carrier files BMC-91 electronically 1-3 days after policy binding. FMCSA processes in 7-21 days. Total MC activation: ~3 weeks.