Does COIflow verify MCS-90 is present?

Yes. MCS-90 is a tracked requirement and the platform flags certificates that omit it for interstate carriers.

Can it handle shipper-specific certificate templates?

Yes — each shipper's requirements can be saved as a profile, so renewing a cert for that shipper auto-applies their limits, AI wording, and notice clauses.

What about state filings?

COIflow tracks filing status alongside the policy so you know when a Form E or H needs to be re-filed. We don't transmit filings to state DOTs in v1.

Can owner-operators issue their own certs?

Yes, with agency-controlled limits. You decide which insureds get portal access, what limits they can certify to, and which holders they can name.

FOR TRUCKING & MOTOR-CARRIER AGENCIES

Filings, MCS-90s, and cargo — verified in seconds.

Trucking COIs come with federally-mandated forms and seven-figure limits. COIflow understands MCS-90 endorsements, scheduled vs. any-auto designations, and cargo limits — so your CSRs don't have to.

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WHY COIs ARE BRUTAL IN TRUCKING & TRANSPORTATION

Three things that eat your CSRs alive.

Brokers and shippers reject COIs daily

A missing trailer interchange endorsement, a wrong NAIC code, or a cargo limit one digit short and the load doesn't move. COIflow catches the rejection reasons before they happen.

Filings are unforgiving

Form E, Form H, BMC-91 — federal and state filings have to match the COI exactly. Mismatches trigger authority suspension.

Owner-operators want self-serve

An OO at a fuel stop at 11pm doesn't want to email and wait. COIflow's insured portal lets them generate or request a cert on the spot — within agent-controlled limits.

REQUIREMENT FINGERPRINT

What a compliant trucking COI looks like.

COIflow ships a starter requirement profile for trucking accounts — these limits, endorsements, and conditions are pre-loaded the moment you sign up, and every incoming certificate is verified against them automatically.

Auto Liability

$1M CSL minimum (federal); $5M+ common for shippers and hazmat.

Motor Truck Cargo

$100K typical; refrigerated and high-value commodities require higher limits and named perils.

MCS-90 endorsement

Federally required for interstate carriers — verified by COIflow on every cert.

Trailer interchange

Often required by brokers; flagged if missing on intermodal moves.

Workers' Comp / Occ Acc

WC for employee drivers; occupational accident for owner-operators leased to a carrier.

BUILT FOR MEMBER AGENCIES

Built for agencies whose clients belong to the associations that shape commercial insurance.

Built for agencies serving owner-operators, small fleets, and the brokerages that route them.

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Name references indicate the member organizations and industries our agency clients commonly serve. Formal partnerships and endorsement listings are maintained separately.

FAQ

Questions trucking agencies ask before signing up.

See COIflow on your own trucking book.

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