What Is BIPD Insurance, and How Much Do Carriers Need?
BIPD stands for Bodily Injury and Property Damage liability insurance — the coverage the FMCSA requires before a for-hire carrier can operate.
How much is required?
Most general-freight carriers must carry at least $750,000 in BIPD; $1,000,000 is common in practice. Carriers hauling hazardous materials can be required to carry $1,000,000 to $5,000,000 depending on the cargo.
“On file” vs active
HaulAtlas shows the BIPD amount on file in the FMCSA licensing system. Coverage can lapse between filings, so brokers and shippers should confirm a current certificate of insurance before tendering a load.
Key takeaway
$750K is the floor for general freight; verify the policy is active, not just on file. Check a carrier's insurance →