# BMC-91 vs BMC-84 vs MCS-90 Insurance Filings

> The three FMCSA insurance filings explained — motor-carrier liability proof, broker surety bond, and the MCS-90 public-protection endorsement.

Source: <https://www.fasttruckingcompliance.com/guides/bmc-91-vs-bmc-84-vs-mcs-90-insurance-filings>
Publisher: Fast Trucking Compliance
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## Key takeaways

- BMC-91 is the motor carrier liability filing — $750K BIPD for general freight under 49 CFR §387.9.
- BMC-84 is the freight broker surety bond — $75K face amount under 49 CFR §387.307.
- MCS-90 is an endorsement attached to the carrier’s liability policy guaranteeing public protection.
- Hazmat carriers carry BMC-91X at $1M–$5M BIPD depending on commodity class.
- Household-goods carriers also file BMC-34 cargo insurance under Part 387 Subpart D.

## Topics covered

- BMC-91
- BMC-84
- MCS-90
- BMC-91X
- MCS-90B
- BMC-32
- BMC-34
- broker surety bond

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