Commercial Truck Insurance Filings
Progressive offers state and federal filings, also called financial proof of responsibility, that is a guarantee to the government that you are carrying sufficient insurance protection. Once you file for authority, we can take care of the rest. In most situations, we can turn a filing around the same day you purchase a policy.
Federal Filings
We offer federal filings for trucking businesses that engage in:
- Interstate trucking
- Hauling hazardous cargo (placard)*
- For-hire trucking (common, contract)
- For-hire passenger transportation*
As an example, you are required to have a federal filing if you are a motor carrier doing long haul trucking, regional trucking or if you are specialist. For-hire truckers hauling nonexempt commodities across the state line must also carry a federal filing. The filings required for these types of businesses are the BMC-34 filing and the BMC-32 form.
Federal filings are not required for businesses that never cross the state line or engage intrastate trucking.
State Filings
If you haul exempt commodities you are required to submit a state filing unless you are in one of the following states:
- Alaska
- Arizona
- Delaware
- Florida
- Hawaii
- Maryland
- Nevada
- New Jersey
- Oregon
- Pennsylvania
- Vermont
- Wyoming
State filings for intrastate exempt commodity haulers are the Form E Filing, the Form F Filing, and the Form H Filing. Learn more about different insurance filings.
Sectors That Do Not Require Federal or State Filings
The following are considered unregulated trucking sectors that do not require a federal or state registration.
- Private carriers hauling their own goods, such as manufacturers, farming and retail operations
- Owner operators hauling under someone else's authority, such as a truck owner leased on to a motor carrier
Other Filings and Certificates of Insurance (COI)
Other reasons besides trucking authority might require a business to submit proof of insurance. For example, drivers with probationary licenses or owners of oversized vehicles may need a nontrucking filing or a certificate of insurance (COI).
To verify if you need proof of insurance, check the list below for your business type or vehicle class and state of operation.
| Who |
States |
Filing or Certificate of Insurance |
| Commercial balloon excursions |
CA |
PL914 Filing |
| Commercial river rafting excursions |
CA |
PL914 Filing |
| Commercial skiing (class C) excursions |
CA |
PL914 Filing |
| Courtesy transportation (not for-hire) |
CT |
MC1641 Filing |
| |
CA |
TL1000 Filing |
| Driving schools |
CA |
California Driving School Certificate |
| |
VT |
TA-VN-31 Driver Training COI |
| For-hire transport |
CA |
MCP-65 Filing |
| Leasing or renting a vehicle |
CT |
R1325C – IRB3613C Filing |
| Movers of household goods |
CA |
TL676 Filing |
| Oversized vehicles, trailers or loads |
OH |
OS-32 Filing |
| |
AL, AR, LA, MS, PA |
Oversized/Overweight Vehicles COI |
| Oversized or Overweight vehicles, trailers and/or loads |
NY |
Perm 17 |
| Overweight vehicle |
CA |
MCP-65 Filing |
| |
FL |
Florida Department of Motor Vehicles COI |
| Reinstate a suspended license |
All |
SR-22 Filing |
| |
IN |
SR50 Filing |
| Towing businesses |
MT |
Form MV5 COI |
| |
CO |
Form 12 |
| |
CO |
Form 14 |
| |
TX |
Form T |
| |
OK |
WA Form |
| Transporting goods or people across state lines |
All |
BMC-91X Filing |
| |
All |
Form MCS-90 |
*A Progressive Commercial policy currently does not insure businesses that engage in the for-hire transportation of hazardous cargo or of passengers.