Insurance check — verify carrier coverage in seconds
Paste a DOT or MC number. KnowHaul reads the L&I projection of BMC-91 (liability) and BMC-34 (cargo) and surfaces the current status, recent filings, and effective + cancellation dates.
MOUNTAIN RIVER TRUCKING CO INC
DOT 277392 · MC 194278
Liability (BMC-91)
Cargo (BMC-34)
Recent filings
| Date | Form | Insurer | Limit |
|---|---|---|---|
| 2025-07-29 | BMC-91X | AMERICAN INTER-FIDELITY EXCHANGE | $1,000 |
What is BMC-91? How does the L&I register work?(expand)
Insurance check — verify carrier coverage in seconds
Carrier insurance is the field most broker tools get wrong. A carrier whose authority is 'active' can still have a BMC-91 filing scheduled to cancel next week, or a BMC-34 cargo policy that was never on file in the first place. KnowHaul reads the L&I register the way a broker actually needs to — effective date, cancellation date, real limits — and surfaces lapses before they become a claim.
Quick Answer
Paste a DOT or MC into KnowHaul. We pull the latest BMC-91 (liability) and BMC-34 (cargo) filings from L&I, surface the effective and cancellation dates, and flag any policy lapsing inside the next 30 days.
What insurance fields we surface
Every insurance check pulls the same four fields. Each one maps to a specific L&I form. We don't aggregate from a third-party 'carrier database' — every number on the page traces back to a primary FMCSA filing.
| Field | What it tells you | Source filing |
|---|---|---|
| Liability coverage | Bodily injury + property damage limit on file | BMC-91 (or BMC-91X for fleets) |
| Cargo coverage | Per-load cargo limit on file (when required) | BMC-34 |
| Effective date | When the policy first became valid | Form 'effective' field |
| Cancellation date | When the policy is set to lapse (if any) | Form 'cancellation' field |
Why the cancellation date matters more than the status flag
BMC-91 vs BMC-91X vs BMC-34 — what each one is
FMCSA's filing names are confusing on purpose; once you know which letter goes with which coverage, the L&I register stops looking like a wall of acronyms.
| Filing | What it covers | Who needs it |
|---|---|---|
| BMC-91 | Liability — bodily injury + property damage | Required for almost every interstate motor carrier |
| BMC-91X | Liability for fleets — same coverage, fleet-rated terms | Carriers using a fleet-rated insurance program |
| BMC-34 | Cargo — physical damage to the freight in transit | Required for household-goods carriers; broker-required elsewhere |
| BMC-84/85 | Broker bond — financial responsibility for brokers | Property brokers and freight forwarders (not motor carriers) |
Cargo is a broker-required field, not a federal one
Active vs filed: the gotcha that costs brokers claims
L&I uses the word 'active' in two different places. Authority status 'active' means the carrier can legally haul. Insurance filing 'active' means the policy hasn't passed its cancellation date — but a filing can be active and useless if the cancellation is set for tomorrow.
The check that actually matters
How to run an insurance check
Two paths. The single-carrier check is what most brokers run before tendering. The lane-driven view is for prospecting where you want carriers that already pass your insurance minimums.
| Method | When to use it | Latency |
|---|---|---|
| Single-carrier check | You have one carrier to vet before tendering | <1 second |
| Lane-driven shortlist | You want active carriers on your lane filtered by coverage minimums | <2 seconds |
Pro Tips
- Re-check the BMC-91 the day you tender, not the day you onboarded the carrier. Onboarding packets get stale fast. The cancellation date can move between onboarding and the load you're tendering today; a same-day check costs you a second and catches the lapse before it becomes a denied claim.
- Match cargo coverage to load value, not load type. $100k in cargo coverage is fine for general freight, but the same policy is underweight on a $400k load of electronics. Use the load's invoice value as the floor; don't trust a flat cargo minimum across every commodity.
- Ask for the certificate of insurance directly when something looks off. L&I is the regulator's view; the COI from the carrier's broker is the policy's view. If the dates don't match, that's a signal — and the COI is the field a court will look at, not the L&I extract.
Frequently Asked Questions
What is BMC-91?
BMC-91 is the standard FMCSA form on which a motor carrier's liability insurance is filed. It covers bodily injury and property damage caused by the carrier's operations. Almost every interstate motor carrier is required to have a current BMC-91 on file to maintain operating authority.
Is cargo insurance required by FMCSA?
Cargo insurance (BMC-34) is federally required for household-goods movers and a handful of specialty operations. For general freight, FMCSA does not require a cargo filing — but most broker SOPs do. KnowHaul surfaces the BMC-34 filing whether federally required or not so you can apply your own minimum.
How often does the insurance data refresh?
We pull the L&I register daily. Insurance filings post to L&I within 24 hours of the underwriter submitting, so the data you see is at most a calendar day behind the regulator's record. The same-day check matters most for cancellation dates that fall inside the next 30 days.
Does an 'active' authority mean the insurance is current?
Not always. Authority can be 'active' for a window after an insurance filing lapses — FMCSA gives carriers a grace period before formally revoking. The cancellation date on the BMC-91 itself is the field to watch; authority status is a lagging indicator of an insurance problem.
What if the carrier has no BMC-34 on file?
It means the carrier hasn't filed cargo coverage with FMCSA — common for general-freight carriers, since the filing isn't federally required outside of household-goods. Ask for a certificate of insurance directly to confirm cargo coverage exists at your required limit.
Check your next carrier's insurance
Paste a DOT or MC. Get BMC-91, BMC-34, effective and cancellation dates in under a second.