MCS-90 and BMC-91 are often mentioned together, but they are not the same thing. Understanding the distinction can help motor carriers ask better questions about their insurance program and FMCSA-related obligations.
What Is an MCS-90?
The MCS-90 is an endorsement attached to certain motor carrier liability insurance policies. It is intended to demonstrate compliance with federal financial responsibility requirements in applicable situations. It is not itself an FMCSA insurance filing, and it is not a complete description of the policy’s coverage.
What Is a BMC-91?
A BMC-91 is an electronic public-liability insurance filing made with FMCSA by an insurer. A BMC-91X may be used when more than one insurer is involved. Applicable filings depend on the authority, operation, insurance program, and regulatory requirements.
Why the Difference Matters
One is an endorsement connected to an insurance policy; the other is a filing made with FMCSA. Neither term should be treated as a shortcut for determining every coverage obligation or compliance requirement. Requirements can vary by entity type, authority, vehicle, commodity, and operation.
Use FMCSA as the Current Source
For current filing information, review FMCSA’s Insurance Filing Requirements and Insurance Filing resources. If you have questions about your authority or regulatory obligations, consult FMCSA, applicable state authorities, and qualified professional advisors.
Date reviewed: June 2026.
This article is general education only and is not legal, regulatory, or insurance advice. Regulations and filing requirements can change.
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