BMC-91 / BMC-91X Filings

Moving companies that operate across state lines must meet specific insurance requirements established by the Federal Motor Carrier Safety Administration (FMCSA). One of the most important steps in obtaining operating authority is completing the required insurance filings known as BMC-91 or BMC-91X forms.

These filings verify that a moving company has the proper liability insurance in place to legally operate as an interstate motor carrier. Without these filings submitted and approved by the FMCSA, your company cannot activate its MC authority or begin interstate operations.

At Approved Insurance, we help moving companies complete and manage their required FMCSA insurance filings so they can stay compliant and operate without delays.

What Are BMC-91 and BMC-91X Filings?

BMC-91 and BMC-91X forms are insurance filings submitted to the FMCSA by your insurance provider. These documents certify that your moving company carries the minimum required liability insurance coverage to operate legally as an interstate motor carrier.

The purpose of these filings is to ensure that carriers have adequate financial protection in case of accidents involving their commercial vehicles. Once the filing is accepted by the FMCSA, it becomes part of your official operating authority record.

For many moving companies applying for MC operating authority, completing this filing is one of the final steps before their authority becomes active.

Filing BMC-91 or BMC-91X Forms

Insurance providers submit the BMC-91 or BMC-91X forms electronically to the FMCSA on behalf of the motor carrier. These filings confirm that the required liability insurance policy is active and meets federal coverage requirements.

Approved Insurance handles the entire filing process to ensure that the forms are submitted correctly and quickly. Proper submission helps avoid delays that could prevent a moving company from activating its operating authority.

Our team ensures that the filing information matches your business registration details so the FMCSA can process the submission without complications.

Maintaining Compliance with FMCSA Regulations

Once your operating authority is active, maintaining compliance with FMCSA regulations is essential. If a liability insurance policy is canceled, expired, or falls below the required limits, the FMCSA may suspend your operating authority.

Approved Insurance helps moving companies maintain continuous compliance by ensuring that insurance policies remain active and filings stay up to date. This ongoing support helps prevent unexpected disruptions to your operations.

Staying compliant with federal regulations is critical for moving companies that operate interstate or work with brokers and commercial clients.

Ensuring Proper Liability Limits

The FMCSA requires interstate motor carriers to maintain minimum liability insurance limits before operating authority can be granted. These limits help ensure that carriers have adequate financial protection in the event of accidents involving commercial vehicles.

Approved Insurance helps moving companies structure liability policies that meet federal requirements while also protecting their business from potential claims. Our team reviews your coverage to ensure it satisfies the standards required for BMC filings.

Proper coverage limits help ensure that your authority remains active and your company can continue operating legally.

Compliance Support Built for Movers

At Approved Insurance, we specialize in insurance services designed specifically for the moving and storage industry. Because our company was founded by an active moving company owner, we understand the challenges movers face when navigating insurance requirements and regulatory filings.

Our team helps moving companies complete their BMC-91 / BMC-91X filings, activate operating authority, and maintain compliance with FMCSA regulations.

Activate Your Moving Authority with Confidence

Completing the proper insurance filings is a critical step in launching or maintaining an interstate moving business. BMC-91 / BMC-91X filings confirm that your company meets the insurance requirements needed to operate legally.

Approved Insurance helps movers across the United States handle these filings quickly and accurately so they can focus on growing their business.

Request a free quote today and ensure your FMCSA insurance filings are handled correctly.