Insurance guides

Decode the FMCSA L&I insurance register: BMC-91 liability, BMC-34 cargo, BMC-32 household-goods cargo, effective and cancellation dates, and the gotchas brokers miss.

Cargo insurance verification is more than 'is it active.' Limits, deductibles, and commodity exclusions decide whether a claim actually pays. This guide walks the per-load cargo verification a broker should run before tender.

Every property broker must keep a $75,000 surety bond (BMC-84) or trust (BMC-85) on file. Learn how to read the bond-on-file record, what the $75,000 floor protects, and the lapse signals that expose a broker who can't pay.

Step-by-step checklist for vetting any motor carrier before tendering a load — operating authority, insurance, safety scores, inspection history, and identity flags.