Compliance
FMCSA Insurance Requirements for Truckers: A Complete Guide
9 min read
FMCSA insurance requirements in 2026
The Federal Motor Carrier Safety Administration sets minimum liability limits every interstate motor carrier must carry. Meeting these minimums is what keeps your operating authority active — fall out of compliance and your authority can be revoked.
Minimum liability limits
General freight carriers typically need $750,000 in liability, while most operations carry $1,000,000. Carriers hauling certain hazardous materials are required to carry $5,000,000.
Filings: MCS-90, BMC-91 and BMC-34
The MCS-90 is an endorsement proving you meet federal financial responsibility rules. The BMC-91 or BMC-91X is the proof-of-liability filing submitted to the FMCSA, and the BMC-34 applies to cargo filings for certain household goods carriers.
A specialist broker files these for you and keeps them current, so your authority stays active and you stay road-legal. CTB Insurance handles the paperwork while you focus on driving.