federal BI&PD floor (typical)$750,000Not cargo insurance. Confirm the 49 CFR 387.9 row for this shipment.

start free trial · Look up the DOT · Look up the MC — then read the state checks below.

desk questions for this state

  • Do legal name, MC, and DOT on the rate con match L&I and the census record?
  • Is authority interstate if the load leaves Illinois?
  • Does cargo coverage name this motor carrier and cover this invoice?
  • Does the census telephone reach the person who will dispatch this pickup?
  • If they are “using a Chicago truck,” whose MC is on the rate con?

stop and do not cover

  • Name mismatch on the rate con.
  • Intrastate-only authority on an interstate load.
  • Cargo certificate names a different insured.
  • Census phone does not reach this legal entity.

ordinary cargo is where identity theft hides

Dry van is where desks skip the check because the freight looks simple. That is the wrong habit. Match legal name, MC, and DOT on the rate confirmation to Licensing & Insurance. Call the census telephone.

Census codes 1, 20, and 25 (general freight, U.S. Mail, paper products) are hints. Almost every for-hire carrier lists some dry freight. The record does not prove they have a trailer at the Chicago shipper’s dock.

chicago is a market, not a docket

I-80/I-94 and the intermodal yards create a lot of “we are local to Chicago” claims. Local is an operational story. The docket is still federal if the load is interstate. An Illinois intrastate-only grant is not enough for a load that leaves the state.

Winter weather, lot wait times, and appointment windows are desk logistics. They are not FMCSA filings. Do not skip L&I because the weather is bad and the board is tight.

$750,000 is not the pallet

Typical interstate property uses the $750,000 BI&PD floor in 49 CFR 387.9. Electronics, pharma, and high-value retail are cargo-limit problems. Read the named insured and the cargo amount. A certificate for a different LLC is a different policy.

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