Carrier profile · USDOT 596802 · MC-288386 · Updated Jun 13, 2026

RAY CULP

DBA XCEL UNLIMITED

2 power unitsavg 23.3 yrRegional · 3 statesLAFAYETTE, TN50/100

CARRIER ACTIVEMC-288386 ACTIVE

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: Active
Contract: None
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 · 6 insurers · 2 lapsesCoverage lapse

Northland’05–’17

beyond this history

1995200320112019now

Shorter eras are too brief to label at this scale — all 6 insurers are named in the list below.

BIPD in force — $1,000,000 · GREAT WEST CASUALTY CO. · since Nov 2017

All 6 insurer eras · dates, limits, renewals

Insurer	Period	Limit	Renewals
NORTHLAND INSURANCE COMPANY	Nov 2005 → Nov 2017	$750K	1
LIBERTY MUTUAL INSURANCE CO.	Dec 2002 → Dec 2003	$750K	3
INSURANCE CORPORATION OF HANNOVER	Mar 2001 → Jan 2003	$750K	2
CLARENDON NATIONAL INS. CO.	Mar 2000 → May 2001	$750K	2
CHATHAM REINSURANCE CORPORATION	Mar 1998 → May 2000	$750K	3
WILSHIRE INSURANCE COMPANY	Apr 1995 → Apr 1995	$750K	2