BMC-84 bond or BMC-85 trust?
FMCSA lists a $75,000 surety bond or trust fund requirement for property and household-goods brokers. BMC-84 and BMC-85 are alternative financial-responsibility filings, not personal auto insurance policies.
BMC-84: surety bond
A surety provider files the BMC-84 bond. Compare the premium, underwriting requirements, collateral and indemnity terms. The $75,000 bond amount is not a quoted annual premium; payment and reimbursement obligations depend on the agreement.
BMC-85: trust fund
An eligible financial institution files the BMC-85 trust agreement. Review how the trust is funded, which assets qualify, fees and the conditions for releasing funds. Do not assume a low advertised fee replaces the required financial security.
Account for the 2026 rules
FMCSA's updated broker and freight-forwarder financial-responsibility requirements took effect January 16, 2026. They address eligible trust providers, available assets and procedures when financial security falls below $75,000. Confirm your provider's eligibility and current filing status.
Compare the full obligation
Ask your provider about upfront funding, ongoing costs, claims handling and cancellation. Discuss your operation with Motive before selecting an arrangement.
Checked October 20, 2026. Sources: FMCSA insurance filing requirements and FMCSA financial-responsibility rule FAQ.
Review Motive's surety bond and trust guidance, then contact Motive to discuss your bond options.