/ Guides
The questions that have a right answer.
Filings, endorsements and the paperwork that decides whether you can operate. One question per page, answered in the first paragraph, with the regulation it comes from cited underneath. No newsletter, no gate.
Trucking
All trucking cover →What is an MCS-90 endorsement?
The MCS-90 is a public guarantee, not coverage. Where it responds to a claim your policy excluded, the insurer can recover that payment from you.
What is a BMC-91 filing, and who files it?
Your insurer files the BMC-91 with FMCSA as proof of public liability cover. You cannot file it yourself, and your authority depends on it staying on file.
My MC number is inactive because of insurance. How do I fix it?
Authority goes inactive when a cancellation takes effect with no replacement filing behind it. Binding new cover and getting the filing transmitted is what restores it.
Why is insurance so expensive with new authority?
New authority is priced on class averages because there is no loss history to price on. What you can control is the driver records, the radius and the equipment you present.
Why does my MOTUS profile have to match before I can get a quote?
MOTUS replaced FMCSA’s registration system in 2026. Underwriters compare your unit counts and cargo classifications to your application, and a mismatch stalls the quote.
How do I get my loss runs?
Loss runs are your claims history, and no trucking carrier will quote seriously without them. Getting them is a request, not a negotiation — and we make it for you.
Why is my insurer demanding documents months after I bound?
Easy binding and thorough underwriting are a trade-off. Where the checking happens after the money, the demand arrives mid-term with a cancellation deadline attached.
Why does my certificate keep getting rejected by Highway or RMIS?
Highway and RMIS sit between a carrier and its loads. Most certificate rejections are mechanical and avoidable, and the fix is knowing what each platform checks.
Can I be cancelled for a truck that showed up on a DOT inspection?
Underwriters read your inspection history. Unscheduled trucks, undeclared drivers and unproven garaging addresses are three documented reasons policies get cancelled mid-term.
Does my ELD affect my insurance premium?
ELD choice is a pricing decision. Approved-vendor devices unlock discounts scaling to 15–20%; non-preferred devices can be capped at 3% on the same programme.
Why am I being quoted as long haul when I only run 25 miles?
New authority is frequently defaulted to a long-haul radius assumption. A short-radius operator can be paying for miles they never drive.
What does it mean if I am quoted with National Indemnity?
National Indemnity is a market for trucking risks the standard carriers decline. Ending up there tells you something about how your submission reads.
Contractor
All contractor cover →Is a certificate of insurance the same as being covered?
The ACORD 25 certificate confers no rights and grants no coverage. The endorsement is the coverage, and it is what a contract is really asking for.
What is additional insured for completed operations (CG 20 37)?
CG 20 37 covers the general contractor for claims arising from your finished work. Cheaper policies frequently exclude it or do not offer it at all.
What is additional insured for ongoing operations (CG 20 10)?
CG 20 10 covers the general contractor for claims arising from your work while it is under way. It does not reach the completed operations hazard.
What does primary and non-contributory mean (CG 20 01)?
Primary and non-contributory wording puts your policy first and stops it seeking contribution from the other party’s insurer. CG 20 01 is the usual form.
What is a waiver of subrogation (CG 24 04)?
A waiver of subrogation stops your insurer recovering from a party you have agreed in writing to protect. CG 24 04 is the general liability form.
What is a per-project aggregate (CG 25 03)?
A per-project aggregate gives each job its own general aggregate limit rather than sharing one across the whole policy year. CG 25 03 is the usual form.
What is a tract home or multi-unit residential exclusion?
A tract housing or multi-unit exclusion removes coverage for the residential work many contractors do. It voids the rest of the endorsement stack on those jobs.
What insurance do national homebuilders require from subcontractors?
The requirement pattern national homebuilders impose on subcontractors, why residential is harder to place than commercial, and the two clauses that fail most often.
Film & Production
All film & production cover →General
Should I have more than one broker shopping my insurance?
Two brokers shopping one account block each other out of the best markets, and invite a fake saving built from a changed deductible.
What happens if I do not tell my broker about a problem?
Underwriters find out. A disclosed problem gets priced; a discovered one gets a decline, a rescission or a cancellation.
Employee Benefits
All employee benefits cover →What is a health reimbursement arrangement (HRA)?
What an HRA is, how it differs from an HSA and an FSA, and which of the four main types — ICHRA, QSEHRA, EBHRA and integrated — applies to a given employer.
What is an ICHRA?
How an individual coverage HRA works, what it costs an employer, the employee classes you are allowed to vary the allowance by, and when it beats a group plan.
What is a QSEHRA?
The small-employer HRA — who qualifies, the 2026 contribution caps, how it interacts with premium tax credits, and where it beats an ICHRA.
What is the difference between workers compensation and short-term disability?
Where the line falls between workers compensation and short-term disability, what each pays, and why an employer carrying only one of them has half the exposure covered.