Need FMCSA Insurance? How To File Form BMC-32
What is Form BMC-32?
Form BMC-32 is a cargo insurance endorsement that your insurance company must file with the FMCSA, which confirms that you're covered for any loss, destruction, or damage to household goods while transporting them across state lines. This BMC-32 endorsement form is required if you’re operating as a for-hire carrier of household goods in interstate commerce. Without BMC-32, you can’t gain (or maintain) your FMCSA operating authority.
You must file a BMC-32 if you’re:
- A for-hire motor carrier transporting household goods
- Operating across state lines
- Applying for or renewing FMCSA operating authority
It doesn’t matter if you’ve got insurance already. If your insurance provider hasn’t filed BMC-32 with FMCSA, your authority won’t go active.
Not everyone needs a BMC-32 filing. You’re likely exempt if you don’t handle household goods or operate only within a single state.
Examples of exempt situations include:
- You’re a private carrier moving your own goods
- You only handle general freight
- You operate only within one state
- You’re specifically exempt under FMCSA regulations
If you’re unsure whether BMC-32 applies to you, talk to your insurer or double-check FMCSA rules before proceeding.
BMC-32 must be filed before authority is granted, and every time changes occur in your insurance coverage.
You must file or update BMC-32 when you are:
- Applying for initial operating authority
- Switching insurance providers
- Making policy or coverage changes
- Cancelling a policy
Failure to file or update on time can result in suspension of your authority.
Only your insurance company can actually file the BMC-32 endorsement. The process is handled electronically through the FMCSA’s Licensing & Insurance Portal.
Here are the steps you do need to take:
- Choose an FMCSA-authorized insurance provider
- Share your carrier name and docket number
- Provide details of your cargo insurance policy
- The insurer files the BMC-32 form electronically
- You confirm the filing appears on the FMCSA portal
You cannot submit the form yourself. Always verify the filing is active before operating.
There’s no set federal fee for Form BMC-32. The cost depends entirely on your cargo insurance policy, which is priced by your insurance provider. Coverage typically ranges from $5,000 to $100,000 per shipment.
Your premium will vary based on the value and type of goods you haul, your safety record, claims history, location, and whether the policy is bundled with other coverage. Your insurer will assess your operations and risk to determine the final price.
Skipping the BMC-32 cargo filing isn’t just a compliance risk but can even lead to a business shutdown. If you don’t file or maintain BMC-32:
- FMCSA can deny, suspend, or revoke your operating authority
- You may face civil penalties or fines
- Roadside inspections may result in out-of-service orders
- Shippers can refuse to hire you
- Customers may sue for damages, especially if goods are lost
- You’ll risk permanent reputational damage
Questions About BMC-32? We’ve Got Answers
Is Form BMC-32 required for all trucking companies?
No. Only carriers that transport household goods across state lines for hire are required to file BMC-32. Carriers hauling general freight or operating intrastate are exempt.
What does BMC-32 cover that other forms don’t?
BMC-32 specifically covers cargo liability—loss or damage to household goods during transport. It does not cover bodily injury or property damage—those are addressed by other forms like MCS-90B or MCS-82B.
Who files the BMC-32 endorsement form?
Only your FMCSA-approved insurance company can file Form BMC-32 on your behalf. It must be submitted electronically via the FMCSA Licensing & Insurance Portal.
What happens if my BMC-32 insurance policy is canceled?
Your insurer must file Form BMC-40 to notify FMCSA. If no replacement BMC-32 is filed within 30 days, your operating authority will be suspended or revoked.
Can I use a surety bond instead of BMC-32?
No. Unlike public liability coverage, there is no bond alternative for BMC-32. It must be filled exclusively through cargo insurance issued by a qualified provider.
What is the difference between Form BMC-32 and MCS-90B?
Form BMC-32 covers cargo liability—specifically for loss or damage to household goods during transport. Form MCS-90B, on the other hand, provides public liability coverage, including bodily injury, property damage, and environmental restoration.
Both are required for different risk areas and cannot substitute for one another.
Can I transfer from BMC-32 to MCS-90B or vice versa?
No. BMC-32 and MCS-90B serve different purposes and are not interchangeable. BMC-32 handles cargo-related losses, while MCS-90B addresses public liability. A carrier must maintain both filings if required, depending on the nature of their operations. There is no official FMCSA process to “convert” one form to the other.
BMC-32 Official PDF
Get instant access - enter your email to download.
Never Miss Your Filing Deadline
Steer clear of penalties! Get timely reminders in your inbox and stay compliant.
Stuck on a form? Let us help—get in touch now!
Whether you have questions or need help navigating complex requirements, our support team is here to make your compliance journey easier.
