Carrier Insurance-Lapse Early Warning

Motor carriers showing signs of BMC-91 instability over the last 30 to 90 days — derived from public FMCSA Licensing & Insurance filings. This is a leading indicator, not a substitute for live verification.

Data through Oct 9, 2026

Insurance-lapse watch tiers

Critical risk

BMC-91 cancelled; no replacement in 30d

Elevated risk

27,837

3+ events in 12 months

Total flagged

27,837

All tiers · U.S. carriers

Every authorized motor carrier in the United States is required to keep an active BMC-91 or BMC-91X public-liability filing on record with the FMCSA. When that filing is cancelled and a replacement is not promptly observed, the carrier is on a 30-day clock toward automatic authority revocation. This page surfaces carriers in that window — and carriers that have churned through three or more insurance events in the last twelve months — so brokers, shippers, and other carriers can ask the right questions before tendering a load.

Honest disclaimer: a flag on this page is a derived signal, not legal advice. Cancellations followed by replacements within 30 days are normal carrier behavior. Use the flag to escalate due diligence, not to make an automatic disqualification decision. Always verify a carrier's current insurance status directly on FMCSA L&I before acting on this information.

Critical risk Elevated risk Moderate risk

Deterministic tiers from public FMCSA L&I filings. Expand below for auditable predicates, or read methodology, freshness, and disclaimer.

How we classify these carriers Auditable predicates · live data source

Every tier on this page is derived from a deterministic predicate against the public FMCSA Licensing & Insurance dataset. The exact rule is listed below so brokers, shippers, and underwriters can verify any classification directly against the source records.

Critical risk

A BMC-91 / BMC-91X cancellation has been observed in the last 30 days AND no replacement filing has been received.

Audit predicate

recent_cancel_date >= today − 30 days AND (replacement_date IS NULL OR replacement_date < recent_cancel_date)

FMCSA's revocation clock starts at the cancellation date. A carrier in this state typically has days, not weeks, before operating authority is administratively revoked unless a new BMC-91 is on file.

Elevated risk

Either three or more insurance events (cancellations, replacements, reinstatements) in the last 12 months, OR a 30–90 day BMC-91 cancellation that has been replaced.

Audit predicate

event_count_12mo >= 3 OR (recent_cancel_date >= today − 90 days AND replacement_date >= recent_cancel_date)

A high event count signals an unstable insurer relationship that historically precedes authority-revocation cycles. A 30–90 day replacement is itself benign, but combined with no public A.M. Best rating on the replacement underwriter, the coverage quality is unverified.

Moderate risk

Currently rolled up into the Elevated tier. The spec's original Medium tier required A.M. Best ratings on replacement underwriters; we have not yet integrated that source, so Medium-pattern carriers surface as Elevated until the rating data lands.

Audit predicate

(reserved — collapsed into HIGH; no separate predicate is evaluated today)

Listed here for transparency so users know we are NOT silently downgrading any Medium-pattern carriers. They appear in the Elevated tier and will be split out once A.M. Best ratings are integrated.

Source & freshness: Computed from public FMCSA Licensing & Insurance (L&I) records — InsurancePolicy and InsuranceEvent tables, refreshed via the daily 04:00 UTC import cron. The materialized view `mv_insurance_watch_classified` re-runs the classification nightly; per-carrier pages re-run it on request. Sources Freshness Methodology Disclaimer

Top 50 Flagged Carriers

All currently-flagged carriers are elevated-risk (≥3 insurance events in the trailing 12 months). No carriers are critical-risk right now. Each link opens the full insurance timeline and tier justification.

Carrier	USDOT	State	Events (12mo)
HOFFMAN TRANSPORT INC GREENCASTLE, PA	139857	PA	27
NNAMCO L C LAUREL, MD	3893062	MD	22
WRIGHT L TRUCKING LLC MONTGOMERY, AL	3996583	AL	22
MARLON ENTERPRISE LLC RIVERDALE, MD	3420120	MD	21
EAST CAROLINA EXPRESS LLC WINDSOR, NC	4023370	NC	21
HA & HA EXPRESS LLC CHARLOTTE, NC	2590195	NC	20
KEM STEPHENS NICHOLSON, GA	965807	GA	19
MONROE 1 TRANSPORT LLC MEMPHIS, TN	2110157	TN	19
CLT EXPRESS LLC CHARLOTTE, NC	2449060	NC	19
GSI LOGISTICS LLC RALEIGH, NC	3002725	NC	19
IDA TRANSPORTATION SERVICES LLC OKLAHOMA CITY, OK	3641472	OK	19
S2A LOGISTICS & TRANSPORT LLC ORLANDO, FL	3682811	FL	19
LOS 3 BRAVOS LLC AUBURN, WA	4276143	WA	19
JLG TRUCKING LLC MISSION, TX	1026526	TX	18
OMAZIN TEAM LEEM LLC LANCASTER, PA	2875009	PA	18
ADAIR TRUCKING LLC SIMPSONVILLE, SC	2983300	SC	18
SMART LOGISTICS LLC CALEXICO, CA	3223711	CA	18
P&F GLOBAL CARRIERS LLC DULUTH, GA	4413345	GA	18
R L FREEMAN TRUCKING LLC MURFREESBORO, NC	2075625	NC	17
FLASH CORP CHARLOTTE, NC	3118275	NC	17
CLUTCH TRANSPORTS LLC RAEFORD, NC	3457822	NC	17
FRESNO LOGISTICS LLC HOUSTON, TX	3461031	TX	17
NYGIA LOGISTICS INC ALLENTOWN, PA	3602962	PA	17
FRONT LINE MOVING & STORAGE LLC NORTHRIDGE, CA	3820838	CA	17
LOPROOF TRUCKING LLC DURHAM, NC	3959003	NC	17
WEST COAST REFRIGERATED TRUCKING INC CAMARILLO, CA	1181236	CA	16
G AND S TRANSPORTATION OF TENNESSEE INC BARTLETT, TN	2385373	TN	16
ORANGE COUNTY TRANSIT LLC WALDEN, NY	2997542	NY	16
LIGHTNING LOGISTICS SERVICES LLC TITUSVILLE, FL	3142822	FL	16
RAMSEY TRANSPORTATION LLC MORGANTON, NC	3501744	NC	16
TOP DAT TRANSPORT LLC MEMPHIS, TN	3526160	TN	16
CALVARY TRANSPORT SERVICES LLC CLINTON, NC	3643799	NC	16
HEMPHILL TRANSIT SALISBURY, NC	3699024	NC	16
YAS TRANSPORT LLC CAPE CORAL, FL	3766084	FL	16
ALEXANDER AND SANDERS LLC WILSON, NC	3821340	NC	16
JAYTAM LLC CHARLOTTE, NC	3918607	NC	16
RS LOGISTIC INC WATERBURY, CT	3945744	CT	16
ROC SOLID TRANSPORTING AND HAULING LLC HARRISBURG, PA	3952047	PA	16
INTERNATIONAL TRUCKING SOLUTIONS LLC CALEXICO, CA	4118578	CA	16
SHRI RAM LOGISTIC INC RIVERSIDE, CA	4122434	CA	16
J&J FLEET FLARE LLC ALEXANDRIA, VA	4312997	VA	16
M&L USA TRANSPORT LLC MANCHESTER, PA	4314671	PA	16
JMH TRUCKING LLC WILMINGTON, NC	1713658	NC	15
SALAZAR & SONS TRUCKING CORP DINUBA, CA	2199604	CA	15
JPG EXPRESS TRANSPORT LLC KATY, TX	2450291	TX	15
AFFORDABLE SOURCE TRUCKING LLC CHARLOTTE, NC	2488178	NC	15
WJ LOGISTICS LLC MARIETTA, GA	2547112	GA	15
D & M TRANSPORT LLC MONTGOMERY VILLAGE, MD	2943885	MD	15
R D STEPHENS TRANSPORT INC HOPE MILLS, NC	3049030	NC	15
SOPHIA TRUCKING INC MERIDEN, CT	3240488	CT	15

Flagged Carriers by State

Each state with at least one flagged carrier links to its full list.

Chihuahua (border) (Mexico) CI

District of Columbia DC

12 flagged

Quebec (Canada) QC

11 flagged

Baja California (Mexico) BN

Saskatchewan (Canada) SK

3 flagged

Nova Scotia (Canada) NS

2 flagged

Hawaii HI

1 flagged

Estado de México (Mexico) MX

1 flagged

New Brunswick (Canada) NB

1 flagged

Nuevo León (Mexico) NL

1 flagged

Puerto Rico PR

1 flagged

Tamaulipas (Mexico) TA

1 flagged

Yukon (Canada) YT

1 flagged

Look up a specific carrier

Frequently asked questions

What is a BMC-91 filing? ▾

BMC-91 (and BMC-91X) is the FMCSA form an authorized motor carrier files to prove it carries the federally-required public liability insurance — at least $750,000 of bodily-injury and property-damage coverage for general freight, $1 million or $5 million for hazardous-materials carriers. Without an active BMC-91 filing on record, the carrier's operating authority is automatically revoked.

Why does an insurance cancellation matter before authority is revoked? ▾

FMCSA's revocation process runs on a 30-day clock from cancellation. During that 30-day window the carrier is still legally authorized but is operating under a known BMC-91 compliance defect. A CRITICAL watch tier is not the same as confirmed absence of BIPD/Primary on file — check the carrier's active liability filings before treating the load as uncovered. This page surfaces the filing gap so brokers and shippers can verify coverage before a load moves.

What should brokers do with this information? ▾

Treat it as one input alongside the carrier's safety rating, inspection history, and authority status. Before tendering a load to a flagged carrier, request a current certificate of insurance directly from the producer (not the carrier) and verify on FMCSA L&I that a replacement BMC-91 has been accepted. Many flagged carriers will resolve the gap routinely — this is a flag, not a verdict.

How is this different from authority revocation? ▾

Authority revocation is the FMCSA's official action — it happens after the cancellation has been on file for the regulatory window and no replacement has been received. The insurance-watch flag is the leading indicator that fires the day the cancellation lands, before any official action. Once authority is actually revoked, the carrier appears on the standard authority-status pages, not here.

How often is this updated? ▾

Whenever the FMCSA Licensing & Insurance import pipeline runs (typically daily), the underlying InsurancePolicy and InsuranceEvent tables are refreshed and this page recomputes the tier classifications on next request. The page header shows the most recent as-of date observed in our data, and a freshness warning appears if that date is more than seven days old.

Where does the data come from? ▾

Every filing shown here is sourced directly from FMCSA's public Licensing & Insurance (L&I) system — the same underlying records the agency itself uses to administer operating-authority status. We add only the derived classification (Critical / Elevated / Moderate); the underlying events are public-domain and searchable on FMCSA L&I.

All Motor Carrier Insurers

Insurer directory and filing volumes

Operating Authority

MC / FF / MX dockets & revocation status

Carriers by State

Full directory of every authorized carrier

Chameleon Carrier Watch

Carriers reopening under new USDOTs to dodge bad scores

Methodology

How we derive insurance-watch tiers

Data freshness

L&I import cadence and as-of dates

Insurance & Risk guides

BMC-91, compliance, and carrier vetting

Insurance referral inquiry (partner)

Optional: ask TruckCodex to share your contact with cargo/insurance partners for a quote referral. This is not an FMCSA filing and not a live binding quote. See Partners and Privacy.

Carrier Insurance-Lapse Early Warning

Top 50 Flagged Carriers

Flagged Carriers by State

Look up a specific carrier

Frequently asked questions

Related

Insurance referral inquiry (partner)