NORMAN DOWLER 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 (required)Filed with FMCSA
CargoNone
Surety bond (BMC-84)None
Insurance continuity· insurer · policy · lapses
$750k BIPD · 4 insurers · 0 lapsesInsurer churn
+2 earlier
Cincinnati · 97–15
Western Reserve · 17–22
19972022
No BIPD policy is currently in force in the filing history. The authority record may still list one on file — request a COI to confirm current coverage.
4 insurer eras · collapsed from 6 filings
| Insurer | Period | Limit | Renewals |
|---|---|---|---|
| THE WESTERN RESERVE MUTUAL CASUALTY COMPANY | Feb 2017 → Oct 2022 | $750k | 2 |
| LIGHTNING ROD MUTUAL INSURANCE COMPANY | Mar 2016 → Feb 2017 | $750k | 1 |
| EMPLOYERS MUTUAL CASUALTY CO. | Feb 2015 → Mar 2016 | $750k | 2 |
| THE CINCINNATI INSURANCE CO. | Aug 1997 → Feb 2015 | $750k | 1 |