Authority & Insurance · Carrier profile · USDOT 4026897

MICHAEL GARNER

CHURCH HILL, MD 50

Authority & Insurance

Active operating authority by type and the full insurance continuity timeline — insurer, policy, coverage, and any lapses — so you can confirm they can legally and adequately haul your load today.

Operating authority· 49 CFR · per type

Operating authority

Common
None
Contract
Active
Broker
None

Insurance & bonds

BIPD / liability$1,000,000 in force
Cargo filing (census)Not recorded per census
Surety bond (census)Not recorded per census

Insurance adequacy· filed BIPD vs the $750K federal floor

$1M in forcegeneral-freight federal minimum
$750K floor

Filed BIPD coverage of $1M meets or exceeds the $750K federal minimum for general freight (49 CFR 387.9). Some commodities (hazmat, larger vehicles) require $1M–$5M — confirm against your load.

Insurance continuity· insurer · policy · lapses

$750K BIPD last filed · 5 insurers · 1 lapseCoverage lapse
1999200620132020now

Shorter eras are too brief to label at this scale — all 5 insurers are named in the list below.

BIPD in force — $1,000,000 · AGENCY INSURANCE COMPANY OF MARYLAND, INC · since Feb 2026

All 5 insurer eras · dates, limits, renewals
InsurerPeriodLimitRenewals
AGENCY INSURANCE COMPANY OF MARYLAND, INCJan 2023 → Jan 2026$750K5
CONTINENTAL CASUALTY CO.Aug 2005 → Aug 2005$750K2
CANAL INSURANCE CO.Aug 2003 → Aug 2005$750K3
DAILY UNDERWRITERS OF AMERICAJun 2000 → Sep 2003$750K1
FRONTIER INSURANCE COMPANYJul 1999 → Jun 2000$750K1