Trucking Insurance & Surety Bond Guides

Insurance is the most expensive line item in a motor carrier's startup budget — and also the line item most often misunderstood. The 49 CFR Part 387 financial-responsibility schedule sets a minimum, but the minimum is not the right policy for most operations.

These guides cover both the carrier insurance side (BMC-91 / BMC-91X) and the freight broker bond side (BMC-84 surety / BMC-85 trust). Each is filed with FMCSA Licensing & Insurance (L&I); each must be on file before authority can flip from PENDING to ACTIVE.