Carrier profile · USDOT 2562053 · MC-894040 · Updated Jun 13, 2026

RAM ASSOCIATES INC

10 power unitsavg 5 yrMulti-region · 14 statesCARMEL, IN94/100
CARRIER ACTIVEMC-894040 ACTIVE
Verified linksFMCSA SAFER

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 ’25 · 6 insurers · 1 lapseCoverage lapse
2014201720202023now

Shorter eras are too brief to label at this scale — all 7 insurers are named in the list below.

BIPD in force — $1,000,000 · ACCELERANT SPECIALTY INSURANCE COMPANY · since Dec 2025

All 7 insurer eras · dates, limits, renewals
InsurerPeriodLimitRenewals
CANAL INSURANCE CO.Dec 2023 → Dec 2025$750K1
HIGHLANDER SPECIALTY INSURANCE COMPANYDec 2021 → Dec 2023$750K4
UNITED SPECIALTY INSURANCE COMPANYDec 2018 → Dec 2021$750K4
THE INSURANCE CO OF THE STATE OF PENNSYLVANIADec 2017 → Dec 2018$750K1
WESCO INSURANCE COMPANYDec 2016 → Dec 2017$750K1
HALLMARK COUNTY MUTUAL INSURANCE COMPANYDec 2015 → Dec 2016$750K2
HALLMARK COUNTY MUTUAL INSURANCE COMPANYDec 2014 → Apr 2015$750K1