·5 min read·
What Is an MCS-90 and Do You Need One?
Plain-English guide to the MCS-90 endorsement, the federal trucking filing every interstate motor carrier must understand.
The MCS-90 is one of the most misunderstood pieces of paper in trucking. Here’s what it actually does — in plain English.
What the MCS-90 Actually Is
The MCS-90 is a federal endorsement attached to your liability policy. It’s a guarantee to the FMCSA (Federal Motor Carrier Safety Administration) that — no matter what your insurance policy says — the insurance company will pay for accidents involving the public, up to the federal minimum.
Who Needs One?
- Every interstate motor carrier with a USDOT number
- Carriers hauling property across state lines
- Hazmat carriers (with higher minimums)
Federal Minimum Limits
- Non-hazardous freight (over 10,001 lbs): $750,000
- Oil transporters: $1,000,000
- Most hazmat: $5,000,000
Most shippers and brokers require $1M, even though the federal minimum is $750K.
The Catch
If your insurance pays a claim under the MCS-90, you owe the insurance company that money back. The MCS-90 protects the public — not you.
This is why the MCS-90 is not a substitute for real coverage. You still need full primary liability that pays without reimbursement.