DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit
Motor carriers operating for hire must maintain minimum levels of financial responsibility under 49 CFR Part 387 and prove coverage to FMCSA by filing an MCS-90 endorsement or BMC-32 surety bond. Minimum limits vary by commodity: $750,000 for general freight, $1,000,000 for household goods, oil, and some regulated commodities, and $5,000,000 for hazardous materials requiring placards. Operating without adequate insurance or a lapsed MCS-90 filing is a federal violation that can result in civil p
- Industry: Transportation & Logistics
- Frequency: Annual
- Estimated Time: 20-30 minutes
- Role: Risk Manager
- Total Items: 19
- Compliance: 49 CFR 396.11, 49 CFR 393, 49 CFR 390, FMCSA Regulations
Current Operating Authority and Insurance Filing Status
Verify active MC number, operating authority status, and that insurance is currently on file with FMCSA per 49 CFR 387.31.
- Carrier MC number is active and in good standing on FMCSA SAFER system?
- Insurance on file with FMCSA is current (not canceled or lapsed)?
- Current MCS-90 endorsement or BMC-32 surety bond on file at FMCSA?
- Insurance provider name and policy number:
Minimum Coverage Levels by Commodity
Verify that coverage limits meet the minimum required by 49 CFR 387.9 for the commodities being transported.
- General freight (non-hazmat): coverage is at least $750,000 per occurrence?
- Household goods or oil (crude or refined): coverage is at least $1,000,000?
- Hazmat (Division 1.1, 1.2, 1.3, 2.3, poison gas, highway route controlled): $5,000,000 minimum?
- Other regulated commodities (Division 2.1, Class 3, Division 6.1, Class 8): $1,000,000 minimum?
- Commodity types hauled by this carrier:
Cargo Insurance and Freight Liability
Verify cargo insurance for household goods movers and cargo liability policies for contract carriers.
- If household goods mover: cargo insurance of at least $5,000 per vehicle and $10 per pound filed?
- Cargo insurance policy covers all commodity types in operations?
- Cargo coverage limits reviewed with shipper or broker for high-value loads?
Insurance Certificate and Binder in Cab
Drivers must carry proof of insurance or the cab copy of the MCS-90 endorsement per state requirements.
- Current certificate of insurance or cab copy of MCS-90 in each operating vehicle?
- Insurance certificate expiration date:
- 30-day cancellation notice provision in policy (insurer must notify FMCSA before cancellation)?
Workers Compensation and Umbrella Verification
Confirm workers compensation and umbrella coverage meet requirements for the carrier's operation and state.
- Workers compensation coverage in effect for all states where employees operate?
- Umbrella policy extends over the underlying auto and general liability policies?
- Insurance review completed by:
- Safety or compliance manager signature:
Related Transport & Logistics Checklists
- DOT FMCSA CSA Compliance Safety Accountability Readiness Checklist
- DOT FMCSA 49 CFR 396 Annual Vehicle Inspection - Class 8 Semi
- DOT FMCSA 49 CFR 396.11 Box Truck Straight Truck Pre-Trip DVIR
- DOT FMCSA 49 CFR 396.11 Fuel Tanker Pre-Trip DVIR Checklist
- DOT FMCSA 49 CFR 396 Preventive Maintenance Program Audit Checklist
- DOT FMCSA 49 CFR 396 Brake Inspector Qualification Audit Checklist
- DOT FMCSA 49 CFR 396.11 Delivery Van Parcel Pre-Trip DVIR Checklist
- DOT FMCSA 49 CFR 396 CMV Inspection Recordkeeping Compliance Audit
Related Fleet Management Checklists
- Daily Vehicle Pre-Trip Inspection - FREE Download
- CDL Pre-Trip Inspection Checklist - FREE Download
- Post-Trip Vehicle Condition Report - FREE Download
- Commercial Driver Pre-Trip Inspection - FREE Download
- Trailer Coupling Inspection - FREE Download
- Cold Chain Transport & Reefer Inspection Checklist [FREE PDF] - FREE Download
- Last-Mile Delivery Vehicle Safety Checklist [FREE PDF] - FREE Download
- Driver Hours of Service (HOS) Compliance Checklist [FREE PDF] - FREE Download
- DOT FMCSA 49 CFR 396.11 Class 3-5 Truck Pre-Trip DVIR Checklist - FREE Download
- DOT FMCSA 49 CFR 396.11 Class 7-8 Heavy-Duty Pre-Trip DVIR Checklist - FREE Download
Why Use This DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit?
This dot fmcsa 49 cfr 387 motor carrier insurance coverage audit helps transportation & logistics teams maintain compliance and operational excellence. Designed for risk manager professionals, this checklist covers 19 critical inspection points across 5 sections. Recommended frequency: annual.
Ensures compliance with 49 CFR 396.11, 49 CFR 393, 49 CFR 390, FMCSA Regulations. Regulatory-aligned for audit readiness and inspection documentation.
Frequently Asked Questions
What is a DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit?
A DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit is a standardized inspection form used by risk manager to ensure consistent transportation & logistics operations. It contains 26 inspection points organized into 5 sections. FREE PDF - FMCSA 49 CFR Part 387 minimum financial responsibility audit. Verifies minimum liability insurance levels for for-hire carriers by commodity type, proof of insurance on file with FMCSA, and MCS-90 endorsement requirements.
How often should I use this transportation & logistics checklist?
This checklist is designed to be completed annual. Regular use ensures compliance with 49 CFR 396.11 and 49 CFR 393 and helps identify issues before they become problems.
Can I download this DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit as a PDF?
Yes, you can download this checklist as a FREE PDF for printing or offline use. The checklist includes 26 fields across 5 sections and typically takes 20-30 minutes to complete.
What compliance standards does this checklist cover?
This checklist helps ensure compliance with 49 CFR 396.11, 49 CFR 393, 49 CFR 390, FMCSA Regulations. Following these standards protects your organization and ensures best practices.
How do I complete this transportation & logistics inspection checklist?
Begin by completing the header fields for Facility / Location, Inspection Date, Inspector Name, and Permit / Reference Number. Work through each of the 5 sections, marking items Yes or No as applicable. Add notes for any issues found. Finally, complete the footer fields and add your signature. The entire process takes approximately 20 to 30 minutes.
What are the key sections in this transportation & logistics checklist?
This transportation & logistics checklist is organized into 5 key sections: Current Operating Authority and Insurance Filing Status, Minimum Coverage Levels by Commodity, Cargo Insurance and Freight Liability, Insurance Certificate and Binder in Cab, Workers Compensation and Umbrella Verification. Each section contains specific inspection points that risk manager must verify. The structured layout ensures nothing is missed during transportation & logistics inspections and makes the process efficient, typically taking 20-30 minutes to complete.
Who should use this DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit?
This checklist is primarily designed for risk manager working in transportation & logistics operations. However, it is also valuable for quality assurance teams, safety officers, compliance managers, and supervisors who need to verify that transportation & logistics standards are being met. Organizations of all sizes can benefit from using this DOT FMCSA 49 CFR 387 Motor Carrier Insurance Coverage Audit to maintain consistency and accountability.