Types of Commercial Auto Insurance Filings Explained

What Are Commercial Auto Insurance Filings?

Insurance filings are documents submitted to regulatory authorities that prove you maintain the minimum required insurance coverage. They are mandatory for most commercial carriers.

Common Filing Types

BMC-91 / BMC-91X

The most common federal filing, required by the FMCSA for for-hire motor carriers hauling general freight in interstate commerce. The BMC-91X is used for contract carriers.

BMC-34

Required for household goods carriers. This filing ensures cargo liability coverage for household goods movers.

MCS-90

An endorsement (not a separate filing) added to your liability policy. It ensures payment to injured third parties even if the insured fails to comply with policy conditions.

State Filings (Form E)

Many states require Form E filings with the state DMV or PUC to prove you carry the state's minimum liability requirements for intrastate operations.

How NITIC Handles Your Filings

When you purchase a policy through NITIC, we handle all required state and federal filings on your behalf — at no extra charge. This ensures you stay compliant and your operating authority remains active.