Authority & Insurance · Carrier profile · USDOT 2056378
TERRENCE PAYNE
CHATTANOOGA, TN 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
- Active
- Contract
- Active
- Broker
- None
Insurance & bonds
BIPD / liability$0 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
$0 in forcegeneral-freight federal minimum
$750K floor
Insurance continuity· insurer · policy · lapses
$750K BIPD last filed · 8 insurers · 2 lapsesCoverage lapse
2010201420182022now
Shorter eras are too brief to label at this scale — all 10 insurers are named in the list below.
BIPD in force — $0 · OOIDA RISK RETENTION GROUP, INC. · since Mar 2026
All 10 insurer eras · dates, limits, renewals
| Insurer | Period | Limit | Renewals |
|---|---|---|---|
| OOIDA RISK RETENTION GROUP, INC. | Apr 2025 → Apr 2026 | $750K | 2 |
| UNITED STATES FIRE INSURANCE CO. | Jan 2025 → Apr 2025 | $750K | 2 |
| UNITED STATES FIRE INSURANCE CO. | Apr 2024 → Sep 2024 | $750K | 4 |
| NATIONAL CASUALTY COMPANY | Apr 2021 → Apr 2024 | $750K | 1 |
| NORTHLAND INSURANCE COMPANY | Apr 2019 → Apr 2021 | $750K | 1 |
| SPIRIT COMMERCIAL AUTO RR GROUP, INC | Apr 2016 → Apr 2019 | $750K | 3 |
| NATIONAL INDEMNITY COMPANY OF THE SOUTH | Apr 2015 → Apr 2016 | $750K | 5 |
| CANAL INSURANCE CO. | Apr 2014 → Apr 2015 | $750K | 1 |
| CASTLEPOINT NATIONAL INSURANCE CO | Apr 2013 → Apr 2013 | $750K | 4 |
| OOIDA RISK RETENTION GROUP, INC. | Aug 2010 → Apr 2013 | $750K | 11 |