The BMC-91 and BMC-91X are insurance filings required by the Federal Motor Carrier Safety Administration (FMCSA) to prove that a motor carrier has adequate public liability insurance.
What is BMC-91/91X?
- BMC-91: Filed by a single insurance company
- BMC-91X: Filed when multiple insurers share coverage
These forms confirm compliance with federal insurance requirements.
Who Needs BMC Filings?
Motor carriers operating under:
- Interstate authority
- USDOT registration
- MC number from FMCSA
Minimum Insurance Requirements
Depending on cargo type:
- $750,000 (general freight)
- $1,000,000+ (oil transport)
- $5,000,000 (hazardous materials)
Filing Process
Insurance providers file directly with FMCSA electronically. Carriers cannot self-file.
Why It Matters
Without BMC filing:
- Your operating authority remains inactive
- You cannot legally operate
- You may face penalties
Compliance Tips
- Maintain continuous coverage
- Update filings when switching insurers
- Monitor FMCSA portal for status
