Commercial truck filings prove that you have enough Liability insurance to meet minimum Federal and state requirements.
Progressive offers state and federal filings, also called financial proof of responsibility that are a guarantee to the government that you are carrying sufficient truck insurance protection. Once you file for authority, we can take care of the rest. Learn more about commercial truck insurance and filings by state.
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 BMC-32 form is the filing required for these types of businesses.
Federal filings are not required for businesses that never cross the state line or engage intrastate trucking.
If you haul exempt commodities you are required to submit a state filing unless you are in one of the following states:
- New Jersey
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 non-trucking 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|
|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|
|Towing businesses||MT||Form MV5 COI|
|Transporting goods or people across state lines||All||BMC-91X Filing|
*A Progressive Commercial policy currently offers physical damage only for businesses that require a hazardous material placard.