What Is a BMC-91 Filing?
The BMC-91 (Form BMC-91 or BMC-91X for cargo) is an insurance filing submitted directly to FMCSA by your insurance carrier — it's not a certificate you carry in the truck. It serves as proof to FMCSA that your liability insurance meets federal minimums. If your policy lapses or is cancelled, your carrier is required to file a BMC-91X cancellation notice with FMCSA — which immediately triggers suspension of your MC operating authority.
MCS-90 Endorsement: What It Means
The MCS-90 is an endorsement attached to your insurance policy — not a separate filing. It makes your insurer the insurer of last resort for any accident caused by your truck in interstate commerce, even if the load or route isn't covered by your base policy. This protects the public but can expose your insurer — which is why some carriers add surcharges or exclusions. We work with carriers that understand MCS-90 exposure in Florida freight lanes.
Who Needs a BMC-91 Filing in Florida?
Any for-hire motor carrier operating in interstate commerce with an active MC number needs a BMC-91 on file with FMCSA. This includes: owner-operators leased to carriers, small fleets with their own MC authority, and freight brokers (BMC-84 bond instead). Purely intrastate Florida operators under FDOT jurisdiction use a different state-level filing process.