BIPD insurance (public liability)
BIPD stands for bodily injury and property damage: the public liability insurance that covers harm a carrier's operations do to other people and their property. For-hire interstate carriers must keep proof of BIPD liability coverage on file with FMCSA; without it, operating authority is not granted and does not survive.
The minimums
Federal rule (49 CFR Part 387) sets the floor by what is hauled: $300,000 for general freight when the fleet has only vehicles under 10,001 lbs, $750,000 for general freight in vehicles of 10,001 lbs or more, $1,000,000 for oil and certain hazardous materials, and $5,000,000 for the most dangerous hazmat classes. Many shippers and brokers contractually require $1,000,000 even where the federal floor is lower; the federal record shows what is filed, not what your contract demands.
Reading the filing
The insurance section of the federal record shows the insurer of record, the form type, the coverage amount, and any cancellation notice. The high-stakes states are absence and lapse: a for-hire carrier with no required liability filing on file, or one whose filing has a cancellation pending. Because a lapse triggers revocation of authority, insurance is a common reason carriers lose authority. The fleetfax report shows each filing with any cancellation on record.
fleetfax reads public FMCSA data and is not affiliated with FMCSA or the U.S. Department of Transportation. This page explains terminology; it is not legal advice.
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