Insurance on file (BMC-91/91X) before activation
Your insurer files proof of liability coverage (BMC-91) with FMCSA — required before your authority goes active.
- Filed with
- FMCSA (filed by your insurer)
- Cost
- Premium varies; your insurer files at no extra FMCSA fee
- Time
- Insurer files — allow a few days
What you'll need
- An active commercial auto liability policy — the federal minimum is $750,000 for general freight, though many brokers and shippers require $1,000,000
- Your MC number
Step by step
- 1
Buy commercial auto liability
At the FMCSA minimum for your cargo and operation.
- 2
Give your MC number to your insurer
Ask them to file the BMC-91 (or 91X) electronically.
- 3
Confirm it posted
Check your FMCSA record shows active insurance before you haul.
Worth knowing
- You have ~20 days from your FMCSA Register publication to get insurance on file, or your application is dismissed.
- A coverage lapse later puts you out of service.
Fact-checked June 2026. Fees, screens, and dates change — always reconfirm at the official source at filing time.
Not legal advice and not FMCSA or DOT guidance; verify with FMCSA or a licensed professional.
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