BMC-32

Definition

BMC-32 is the FMCSA endorsement that adds cargo liability coverage to a motor carrier's primary BIPD policy. The federal minimum cargo limit is $5,000 per truck and $10,000 per occurrence for household-goods carriers under 49 CFR §387.303(c) - substantially below the actual replacement value of most loads. Most shippers and brokers contractually require $100,000 cargo limits or higher. The BMC-32 is attached to the policy; the insurer files the matching BMC-34 certificate with FMCSA. Federal cargo security applies only to household-goods motor carriers and HHG freight forwarders (49 CFR §387.303(c)); general-freight carriers buy cargo coverage because shippers and brokers require it.