Commercial Trucking Insurance Policy Search
Motor carrier, MCS-90, excess, and broker layers — the whole stack.
Commercial trucking cases are coverage-stack archaeology. There is the driver's personal auto. There is the motor carrier's primary liability — often $1M minimum under FMCSA. There is the MCS-90 endorsement that may pull in even when policy exclusions try to push out. There is the freight broker's contingent coverage, the shipper's vicarious-liability coverage, and excess layers sitting at $5M, $10M, $25M, or higher above the primary. Plaintiff counsel who runs trucking cases without locating the full stack is leaving recovery on the table.
Built for the firms that actually run commercial trucking cases.
What a commercial trucking policy search produces.
Questions plaintiff attorneys ask about Commercial Trucking searches.
What is the MCS-90 endorsement and why does it matter?
MCS-90 is a federal endorsement under 49 CFR §387 requiring motor carriers to maintain minimum coverage. It can pull primary coverage in even when policy exclusions try to push it out — critical leverage when a carrier denies coverage on technicalities.
How do you find broker and shipper coverage?
We identify the freight broker from BOL and dispatch records, then locate the broker's contingent auto liability and broker errors-and-omissions coverage. Same for the shipper if the case has a vicarious-liability theory.
What about FMCSA filings — do you pull those?
Yes. FMCSA's SAFER and Licensing & Insurance systems give us the motor carrier's primary insurer of record. From there we layer in excess and umbrella through corporate-filing review.
Every search runs under documented permissible purpose.
Insurance policy discovery sits at the intersection of GLBA §6802 / §6803, DPPA 18 U.S.C. §2721(b) permissible uses, and FCRA considerations. We document the basis on every file — and our investigator can testify to it.
Related practice areas
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Standard turnaround 4–72 hrs. Rush available same day. Operated by Miami Private Investigations · FDACS A1800135.