Insurance Certificates
FMCSA sets minimum financial responsibility limits under 49 CFR Part 387 — commonly $750,000 for general freight and up to $5,000,000 for certain hazardous materials — and a certificate of insurance is how a carrier proves that coverage to brokers and shippers.
We issue certificates of insurance for brokers and shippers as needed and keep them current, so a load doesn't get held up because a certificate expired without anyone noticing.
No lost loads or delayed pickups over a missing or outdated certificate.
- 01Maintain current certificate templates for your active policies.
- 02Issue certificates on request to brokers and shippers.
- 03Track certificate expiration alongside policy renewal.
- 04Update certificates immediately when coverage changes.
The federal minimums behind the certificate
49 CFR Part 387 sets FMCSA's minimum financial responsibility requirements at $750,000 for general freight carriers, rising to $5,000,000 for carriers of the most hazardous materials categories (certain explosives, Hazard Zone A materials, large-capacity hazmat tanks, and Class 7 radioactive materials). FMCSA's own proof-of-insurance filings — Form BMC-91 or BMC-91X for liability, filed by the insurer rather than the carrier, and BMC-34 for cargo liability — establish the coverage on file; a certificate of insurance is the standard document brokers and shippers use day to day to confirm a carrier meets these minimums.
Why certificates lapse without anyone noticing
A certificate is only accurate as of the date it was issued — a policy renewal, coverage change, or lapse after that date isn't automatically reflected unless someone tracks it. Because brokers routinely check certificates before releasing a load, an outdated one is one of the more avoidable reasons a load gets held up.