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How Does the MCS-90 Endorsement Relate to an Insurance Policy?

Motor carriers commonly request MCS-90 Endorsements from their insurance companies. In Old Republic Risk Management's most recent blog, they explore how the MCS-90 relates to a motor carrier’s insurance policy.

White Paper Summary

Federal Regulations are the source of a motor carrier’s obligation to obtain a MCS-90.  The MCS-90 applies to motor carriers of property who satisfy their financial responsibility requirements prescribed under Title 49 § 387.7 of the Code of Federal Regulations (CFR), using insurance, rather than surety bond or qualified self-insurance.  As a point of clarification, the requirements around surety bonds, self-insurance, and passenger carriers are outside the scope of this article.

The MCS-90 is an endorsement to an Auto Liability Policy with variations from the standard ISO Business Auto Coverage Form or Motor Carrier Form (“Coverage Forms”).  One way to think about this is to do a quick comparison of the defined terms contained in the MCS-90 versus the defined terms in the Coverage Forms.

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The General Insurance Group is the largest business segment within the Old Republic Insurance Group and specializes in the property & casualty marketplace. Each company focuses on a select segment, offering specialized insurance coverages or specializing by industries. This is our competitive advantage. While collectively we offer a full suite of risk management and insurance solutions, our expertise in unique industry segments is unsurpassed. We serve large corporations with complex risks, small and mid-sized companies, and consumers with home and auto warranty offerings.

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The R&I Editorial Team can be reached at [email protected]