- No active BIPD/Primary insurance on file — uninsured for 258 days (since Jan 2, 2026). A carrier without active primary liability coverage cannot legally operate.
DIRECT BUSINESS HOLDINGS INC
DIRECT BUSINESS HOLDINGS INC is a mid-sized fleet, operating 76 power units and 71 drivers, based in Merrillville, IN. FMCSA records show no inspection or crash activity in the last 24 months. The carrier currently has no active BIPD/Primary coverage on file, and operating authority is on file.
Do not book — hard regulatory blocker
One or more hard blockers are on file. Do not tender until the issue is cured and confirmed on FMCSA.
- No active BIPD/Primary insurance on file Uninsured 258 days (since Jan 2, 2026).
- Prior insurance gap · 9 days Jun 10, 2025 → Jun 19, 2025
- OOS rate worse than size peers Driver 13.9% vs peer 0.90% · Vehicle 55.6% vs peer 17.6% Details →
- BOC-3 process agent on file Process Agent Service Company, Inc. Details →
Plain-text risk summary (print / paste)
TruckCodex risk summary — DIRECT BUSINESS HOLDINGS INC (USDOT 4200881) Verdict: DO NOT BOOK Do not book — hard regulatory blocker One or more hard blockers are on file. Do not tender until the issue is cured and confirmed on FMCSA. Authority / census status: Active Blockers: • No active BIPD/Primary insurance on file — Uninsured 258 days (since Jan 2, 2026). Cautions: • Prior insurance gap · 9 days — Jun 10, 2025 → Jun 19, 2025 • OOS rate worse than size peers — Driver 13.9% vs peer 0.90% · Vehicle 55.6% vs peer 17.6% On file: • BOC-3 process agent on file — Process Agent Service Company, Inc. Source: https://truckcodex.com/usdot/4200881/ As of: Sep 16, 2026 Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.
TruckCodex · filing & peer scorecard
TruckCodex filing & peer scorecard · F
Hard regulatory signal on file (OOS / revoked / Not Authorized / uninsured / Unsatisfactory). Composite mean of 4/5 scored components is 54/100 — letter capped at F. Expand for per-signal evidence. Heuristic — not an FMCSA rating, booking verdict, or legal advice.
F
confidence 80% · 4/5 signals · expand
TruckCodex filing & peer scorecard · F
Hard regulatory signal on file (OOS / revoked / Not Authorized / uninsured / Unsatisfactory). Composite mean of 4/5 scored components is 54/100 — letter capped at F. Expand for per-signal evidence. Heuristic — not an FMCSA rating, booking verdict, or legal advice.
Active census status with no OOS order or revoked authority on file.
No active BIPD/Primary on file since Jan 2, 2026.
Driver OOS 13.9% vs peer median 0.9% (worse). Vehicle OOS 55.6% vs peer median 17.6% (worse). n=13284 same-size ACTIVE peers.
FMCSA has not assigned this carrier a formal safety rating. We do not invent one.
NR reason: No published FMCSA safety_rating.
No BMC-91 insurance-lapse watch classification on file for this USDOT.
TruckCodex filing & peer scorecard from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not a booking verdict and not legal advice. See methodology. Booking triage on this page: Do not book.
Uninsured since Jan 2, 2026
Company profile
No active FMCSA cargo filing on file.
FMCSA L&I filing evidence — not a shipper certificate of insurance (COI). Cargo (BMC-34) is primarily an HHG / household-goods requirement; general freight carriers often have none.
No active broker surety bond or trust fund on file.
BMC-84 is a surety bond; BMC-85 is a trust-fund agreement. Required for property brokers / freight forwarders — not motor-carrier BIPD liability insurance.
Based on FMCSA authority grant of 2025-07-11 (433 days). Published gates only — not a guarantee they will accept. Confirm with the broker.
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Process AgentProcess Agent Service Company, Inc.BOC-3 on file
Fleet details (MCS-150)
| Vehicle type | Owned | Term leased | Trip leased |
|---|---|---|---|
| Truck tractors | 0 | 76 | 0 |
| Trailers | 0 | 77 | 0 |
Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).
Carrier analysis & narrative context Status notes, risk intelligence, and safety profiles
Carrier is unrated
FMCSA has not assigned this carrier a formal safety rating. Use the inspection history and BASIC scores below to assess on-road performance.
Risk Signals
Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service
Compared against 13,284 ACTIVE carriers operating 38–114 power units (±50% of this carrier's 76 unit fleet).
Historical coverage gap detected (1)
- No active BIPD/Primary insurance from Jun 10, 2025 to Jun 19, 2025 (9 days)
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
| BASIC | Inspections | Serious | Measure | Percentile | Alert | As Of |
|---|---|---|---|---|---|---|
| Driver Fitness | 6 | — | 0.21 | 0 | — | Sep 14, 2026 |
| Controlled Substances / Alcohol | 4 | — | 0.15 | 0 | ALERT | Sep 14, 2026 |
| Hours of Service | 58 | — | 1.92 | 2 | ALERT | Sep 14, 2026 |
| Unsafe Driving | 45 | — | 17.50 | 18 | — | Sep 14, 2026 |
| Vehicle Maintenance | 89 | — | 11.51 | 12 | — | Sep 14, 2026 |
Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.
Recent Inspections (230 rows) View all 230 →
| Inspection # | Date ▼ | State | Level | Station | Vehicle | Violations | Top Codes | OOS |
|---|---|---|---|---|---|---|---|---|
| 87638191 | Apr 19, 2026 | IA | 2 | 39 - I35 SB MM 212 NORTHWOOD |
FREIGHTLINER TRUCK TRACTOR
|
3 | 9AA1, 9, 21TB | Yes |
| 87502614 | Apr 2, 2026 | TX | 2 | 115M IH30 WB |
VOLVO TRUCK TRUCK TRACTOR
|
5 | — | No |
| 87476746 | Apr 1, 2026 | MA | 2 | — |
INTERNATIONAL STRAIGHT TRUCK
IL P1034423
·
3HSDZAPRORN391311
|
8 | 393.75A3-TAOL, 395.8E-HOSPDOOS, 393.60E | Yes |
| 87472293 | Mar 30, 2026 | GA | 3 | CARTERSVILLE GA |
FREIGHTLINER TRUCK TRACTOR
|
2 | 395.3A2-HOSPD, 392.2-SLLLR | Yes |
| 87434362 | Mar 28, 2026 | LA | 2 | DUSON LA |
INTERNATIONAL TRUCK TRACTOR
|
2 | 393.75A2-TAOBB-6, 395.30B1-ELDDFR | No |
| 87476240 | Mar 26, 2026 | MD | 2 | FROSTBURG MD |
FREIGHTLINER TRUCK TRACTOR
|
3 | 396.3A1-AASGMD, 393.9A-LSLIWR, 393.78A-WS | Yes |
| 87405520 | Mar 26, 2026 | LA | 3 | STONEWALL LA |
FREIGHTLINER TRUCK TRACTOR
|
0 | — | No |
| 87381406 | Mar 24, 2026 | IN | 3 | WEST HARRISON IN |
FREIGHTLINER TRUCK TRACTOR
|
3 | 395.8A1-HOSP, 392.2-SLLSR, 392.2-SLLTCD | Yes |
| 87433788 | Mar 23, 2026 | MN | 1 | CLARKS GROVE MN |
PETERBILT TRUCK TRACTOR
|
6 | 393.75A3-TAOL, 393.78A-WS, 393.11A1-LCHL | Yes |
| 87377708 | Mar 20, 2026 | OH | 2 | GREENVILLE OH |
FREIGHTLINER TRUCK TRACTOR
|
3 | 396.7A-UOC, 395.8A1-HOSP, 393.60B | Yes |
| 87344015 | Mar 19, 2026 | MI | 2 | mi-w/b-i94-near-hawkins-rd. |
FREIGHTLINER TRUCK TRACTOR
|
6 | 392.2-SLLSR, 392.2-SLLMF, 393.75C-TAOTD-LT2/32 | No |
| 87337938 | Mar 18, 2026 | OH | 2 | WILMINGTON OH |
FREIGHTLINER TRUCK TRACTOR
|
1 | 392.2-SLLIFTA | No |
| 87313551 | Mar 14, 2026 | IA | 3 | ia-i80eb,-mm-164 |
PETERBILT TRUCK TRACTOR
|
6 | 392.2RG, 392.2, 390.21TB | No |
| 87292950 | Mar 13, 2026 | OH | 3 | PIQUA OH |
INTERNATIONAL TRUCK TRACTOR
|
4 | 392.2-SLLIFTA, 395.3A3-HOSPRNP, 392.2-SLLIRP | No |
| 87269071 | Mar 7, 2026 | AR | 3 | MCRAE AR |
INTERNATIONAL TRUCK TRACTOR
|
2 | 392.2-SLLUP, 392.2-SLLSR | No |
| 87211739 | Mar 4, 2026 | OH | 2 | AMHERST OH |
INTERNATIONAL TRUCK TRACTOR
|
6 | 393.9A-LHLIWR, 393.9A-LHLI, 392.2-SLL | Yes |
| 87199024 | Mar 2, 2026 | CO | 1 | MONUMENT CO |
INTERNATIONAL TRUCK TRACTOR
|
19 | 395.8E-HOSPD, 395.3B2-HOSPDIT, 396.17C-PI | Yes |
| 87196023 | Mar 2, 2026 | AR | 1 | WEST MEMPHIS AR |
FREIGHTLINER TRUCK TRACTOR
|
5 | 396.3A1-BOS, 393.47E, 393.53B-B | Yes |
| 87188557 | Mar 2, 2026 | ME | 3 | me-old-town---scales-sb |
PETERBILT TRUCK TRACTOR
|
1 | 395.8A1-HOSP | Yes |
| 87178034 | Mar 1, 2026 | TN | 1 | MOHAWK TN |
FREIGHTLINER TRUCK TRACTOR
|
1 | 393.75A3-TAOL | Yes |
| 87175031 | Feb 27, 2026 | IL | 3 | I-80 |
INTERNATIONAL TRUCK TRACTOR
|
2 | 392.2AU, 393.24A | No |
| 87172909 | Feb 27, 2026 | PA | 3 | ELIZABETH PA |
FREIGHTLINER TRUCK TRACTOR
|
3 | 395.8A1-HOSP, 392.2-SLLED, 395.24 | Yes |
| 87172404 | Feb 27, 2026 | OH | 2 | ASHVILLE OH |
FREIGHTLINER TRUCK TRACTOR
|
3 | 393.70B1I-CDSLI-MT25, 393.9A-LTSI, 395.3A2-HOSPDIT | Yes |
| 87201830 | Feb 26, 2026 | MS | 2 | IUKA SCALE US 72 EAST |
FREIGHTLINER TRUCK TRACTOR
|
4 | 392.2-SLLSR, 392.2-SLLSIV, 390.21TE-LCMVINFO | No |
| 87199072 | Feb 26, 2026 | IN | 3 | FREMONT IN |
VOLVO TRUCK TRUCK TRACTOR
|
5 | 395.8A1-HOSP, 392.2-SLLSR, 395.34A1-ELDDFN | Yes |
Recent Crashes View all 8 →
Authority Records (1 docket)
Revocations & Inactive Status
Authority actions other than active status — revocations, voluntary surrenders, and dormant dockets.
| Date | Docket | Authority | Status | Applied |
|---|---|---|---|---|
| Unknown | MC1620636 | common | INACTIVE | — |
MC Certificate Documents (2 letters, 2 PDFs)
Authority Records (above) are FMCSA docket status and lifecycle events. MC Certificate Documents here are the archived PDF letters for each action — grants, reinstatements, revocations, name changes, and transfers. They are related but not the same dataset: one row per PDF letter, not one file per docket.
Each row is a distinct FMCSA letter (grant, reinstatement, revocation, name change, transfer, etc.). When a PDF is archived, click the link to open that letter. Rows without a link still show the action type and date from our index. FMCSA stopped publishing new daily certificate PDFs after the May 2026 Motus cutover — rows below are historical archive only.
| Date | Docket | Action | Authority | |
|---|---|---|---|---|
| Jul 11, 2025 | MC1620636-C | Reinstatement Letter | Reinstatement | Reinstatement Letter → |
| Apr 8, 2024 | MC1620636-C | Original MC Certificate | Revocation | Original MC Certificate → |
Insurance Coverage Timeline (8 rows)
Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.
| Insurer | Policy # | Type | Limit | Effective | Cancel | Status |
|---|---|---|---|---|---|---|
| GEICO MARINE INSURANCE COMPANY | 9300169211 | BIPD/Primary | — | Jun 19, 2025 | Jun 19, 2025 | REPLACED |
| GEICO MARINE INSURANCE COMPANY | 9300169211 | BIPD/Primary | — | Jun 19, 2025 | Oct 2, 2025 | CANCELLED |
| GEICO MARINE INSURANCE COMPANY | 9300169211 | BIPD/Primary | — | Jun 19, 2025 | Jan 2, 2026 | CANCELLED |
| GEICO MARINE INSURANCE COMPANY | 9300169211 | BIPD/Primary | — | Jun 19, 2025 | Jun 19, 2025 | REPLACED |
| GEICO MARINE INSURANCE COMPANY | 9300169211 | BIPD/Primary | — | Jun 19, 2025 | Nov 12, 2025 | CANCELLED |
| Coverage gap — 9 days without BIPD/Primary coverage from Jun 10, 2025 to Jun 19, 2025 | ||||||
| ARTISAN & TRUCKERS CASUALTY COMPANY | CA995454792 | BIPD/Primary | — | Apr 2, 2025 | Jun 10, 2025 | CANCELLED |
| KNIGHTBROOK INSURANCE COMPANY | TIEIL002892-00 | BIPD/Primary | — | Apr 2, 2024 | Apr 2, 2025 | CANCELLED |
Compliance Timeline Merged authority / insurance / enforcement events
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Apr 13, 2026
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Apr 13, 2026authorityAuthority revoked — INVOLUNTARY REVOCATION
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Apr 6, 2026insuranceCANCEL — UNIVERSAL CASUALTY RISK RETENTION GROUP, INC
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Jan 5, 2026
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Jan 2, 2026insuranceCANCEL — GEICO MARINE INSURANCE COMPANY
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Nov 12, 2025insuranceTERM/CANCL — GEICO MARINE INSURANCE COMPANY
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Oct 21, 2025
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Oct 2, 2025insuranceTERM/CANCL — GEICO MARINE INSURANCE COMPANY
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Sep 10, 2025
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Jun 19, 2025insuranceTERM/REPL — GEICO MARINE INSURANCE COMPANY
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Jun 16, 2025
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Jun 16, 2025authorityAuthority revoked — INVOLUNTARY REVOCATION
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Jun 10, 2025insuranceCANCEL — ARTISAN & TRUCKERS CASUALTY COMPANY
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Jun 10, 2025insurance gapCoverage gap: 9 days without BIPD/Primary insurance (through Jun 19, 2025)
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Apr 2, 2025
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Apr 2, 2025insuranceCANCEL — KNIGHTBROOK INSURANCE COMPANY
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Feb 15, 2025oosOut-of-service order — New Entrant Revoked - Refusal of Audit/No Contact
Related Records
All cross-references Authority, BOC-3, explainers, and more
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Indiana carriers
All carriers based in Indiana
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Merrillville carriers
Carriers based in Merrillville, IN
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Stations in Indiana
Where this carrier might be inspected
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Docket MC1620636
common · INACTIVE · MC
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GEICO MARINE INSURANCE COMPANY
BIPD/Primary policy on file
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ARTISAN & TRUCKERS CASUALTY COMPANY
BIPD/Primary policy on file
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KNIGHTBROOK INSURANCE COMPANY
BIPD/Primary policy on file
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Process Agent Service Company, Inc.
BOC-3 process agent · 124,701 carriers served
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230 inspections
Full roadside inspection history
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8 reportable crashes
FMCSA MCMIS crash log
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Fleet recall search
NHTSA recalls covering this fleet's vehicle years/makes
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File a complaint
Open the FMCSA National Consumer Complaint form for this carrier
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Certificate lookup
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Insurance-lapse watch
Carriers with recent BMC-91 cancellation or reinstatement churn
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How FMCSA safety ratings work
BASIC percentiles and compliance review context
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BOC-3 process agents explained
Why every interstate carrier must file a process agent
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FMCSA compliance filings guide
MCS-150, insurance, and authority filing requirements
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Roadside inspection rights
What drivers and carriers can expect during a stop