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.
DOT 3021733 · MC 34720
| Date | Form | Insurer | Limit |
|---|---|---|---|
| 2025-11-10 | BMC-84 | MERCHANTS NATIONAL BONDING, INC | — |
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.
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.
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 |
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) |
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.
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 |
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.
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.
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.
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.
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.
Paste a DOT or MC. Get BMC-91, BMC-34, effective and cancellation dates in under a second.