EM TRANSPORT LLC
(314) 631-7288
etopalovic@europa-market.com
8100 Water St, St Louis MO 63111
4
tractors · all leased
4 drivers
580k mi/yr · ~145k per unit
Not enough record
Graded once the record supports it
22 yrs history · 18 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 4
- Drivers · CDL
- 4 · 4
- Annual miles
- 580k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 4 | 0 | 4 |
| Trailers | 6 | 0 | 0 | 6 |
Registration
- FMCSA Rating
- Satisfactory (11-10-2016) · 9 yr old
- Registered
- 01-14-2004 (22 yrs)
- MCS-150 Update
- 12-08-2025
- FRED Score Date
- Nov 07, 2026
- Officer
- ALEM BORIC
- Officer
- MICHAEL DUGANDZIC
Cargo
55.1
medium risk
Metal: Sheets/Coils/Rolls
Intermodal Containers
Meat
Refrigerated Food
General Freight
Logs/Poles/Beams/Lumber
Building Materials
Fresh Produce
Beverages
Grain/Feed/Hay
US Mail
Dry Bulk
Paper Products
Utility
Construction
Garbage/Refuse
- High-Risk Cargo
- General Freight, Refrigerated Food, Meat
Note: "General Freight" is a catch-all; the actual cargo mix and its risk may differ.
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
Advisory Grade — Outside the Ranked Book
Fleets under 10 power units are graded against their size cohort (pu2_5) for reference, but sit outside the 10+ power-unit underwriting book the FRED rank covers.
Not enough record to grade yet.
18 inspections and no crashes on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
Similar fleets: for-hire fleets of 2–5 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
Per truck, fleets like this one are expected to crash about 2.1× as often as the median active fleet of 2–5 trucks.
80% likely range 0.33×–1.91×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
0.3 vs 0.3 for similar fleets
Likely 0–1 crashes
This motor carrier
0.3
Similar fleets
0.3
A record this thin can't pin that down: about a 1-in-6 chance it runs at Poor-level crash rates.
Ask
Loss runs for the last 3 years, and confirm the fleet is operating at its filed size (4 power units).
What the record shows
Crash history
betterworse
Leans better, not yet proven. 0 crashes on the FMCSA record in 24 months; similar fleets have about 0.3 a year.
Roadside inspections
betterworse
Much worse than peers. Unsafe-driving and hours-of-service violations 3.16×, violations 1.91× and out-of-service orders 1.42× the rate expected for its inspections. Together they move its crash estimate +23%. It's inspected more often than most fleets its size.
Worth a closer look
From the FMCSA record. The estimate already counts the safety items; insurance filings and links to other motor carriers are context only.
-
Lapse in liability filings172 days without a liability filing on FMCSA's record (Oct 11, 2025 – Apr 1, 2026) while the authority required one. A filing received later can be back-dated and close a lapse. Not in the grade.Ask: what covered the fleet during the gap.
-
Drivers put out of service3 out-of-service violations against drivers: 2 hours of service, 1 no valid CDL (Nov 2025 – Aug 2026).Ask: driver supervision and dispatch practices.
-
Brakes and lightsBrakes are 13 of 37 violations (35%). Brake or light defects led to 2 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
-
Driver out-of-service rate16.7% of driver inspections end out of service vs 6.7% nationally (3 of 18). Across all its inspections, out-of-service orders run 1.42× what's expected for where and how it's inspected.
Strengths
- No reportable crashes in 24 months.
- No FMCSA BASIC alerts.
Data flags
-
Dangerous driving: 2
Track record
FMCSA record, Oct 2024 – Aug 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
0
0 fatalities · 0 injuries · 0 tow-aways
Inspections
18
28% clean (no violations)
Vehicle out-of-service
33.3%
3 of 9
National avg 22.3%
Driver out-of-service
16.7%
3 of 18
National avg 6.7%
Violations
37
8 out-of-service
Inspections per quarter
With an out-of-service order
vs 70,135 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.039 |
| Inspections | 3.25 | 1.41 |
| Violations | 4.62 | 1.44 |
| Critical violations | 1.25 | 0.26 |
Yearly rates from the last 24 months. Peers: Small (advisory) power units, medium-risk cargo.
What they get cited for
37 violations · 24 months-
Vehicle maintenance No alert23 · 5 OOSBrakes 13 · Lights 2 · Tires 2 · Wheels & hubs 1 · Other parts 5
-
Hours of service No alert9 · 2 OOSOver hours limit 6 · Logbook / ELD paperwork 2 · False log 1
-
Unsafe driving No alert4 · 0 OOSReckless / lane 3 · Other 1
-
Driver fitness No alert1 · 1 OOSNo valid CDL 1
-
Drugs & alcohol No alert0
Out-of-service violations
“No alert” = under FMCSA's BASIC intervention threshold
Violations by quarter
Tap a category to show or hide itNo violation trend data
Crashes
24 monthsNo reportable crashes on the FMCSA record in the last 24 months.
Insurance filed with FMCSA
FMCSA record through May 14, 2026 · no change recorded by FMCSA sinceToday · live FMCSA check
Checking FMCSA…
- Last on FMCSA's record (May 14, 2026)
-
$750,000 · TRISURA SPECIALTY INSURANCE COMPANYon record since Apr 1, 2026 · FMCSA minimum $750,000
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
36 months to May 14, 2026
- 3 liability insurers on FMCSA's record, 2 changes: SIRIUSPOINT AMERICA INSURANCE COMPANY → TRISURA SPECIALTY INSURANCE COMPANY (Apr 2026); PROGRESSIVE CASUALTY INSURANCE COMPANY → SIRIUSPOINT AMERICA INSURANCE COMPANY (Apr 2025)
- 2 cancellation notices filed by insurers; 2 took effect (the last Oct 11, 2025, replaced 172 days later)
- 172 days without a liability filing (Oct 11, 2025 – Apr 1, 2026) while the authority required one; a later back-dated filing can close a lapse
Authority
- FMCSA notices resolved in time: 2
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Apr 2, 2026)
FMCSA filings only, not a policy audit. Not part of the FRED grade. Wrong or out of date?
Every insurance filing on the FMCSA record
39 filings and 19 authority events since 2004 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
39 filings and 19 authority events since 2004 · FMCSA record through May 14, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Apr 1, 2026TRISURA SPECIALTY INSURANCE COMPANYLiability · $750,000 · on fileL&I to May 14, 2026
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Mar 5, 2026FMCSA revocation notice for the operating authority, dropped Apr 2, 2026cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 15, 2025FMCSA revocation notice for the operating authority, dropped Sep 16, 2025opened after SIRIUSPOINT AMERICA INSURANCE COMPANY filed a cancellation notice (effective Oct 11, 2025)L&I to May 14, 2026
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Apr 1, 2025SIRIUSPOINT AMERICA INSURANCE COMPANYLiability · $750,000 · ended Oct 11, 2025 · cancellation notice took effecta cancellation notice effective Apr 1, 2026 came after the replacement; 6 months in forceL&I to May 14, 2026
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May 7, 2024PROGRESSIVE CASUALTY INSURANCE COMPANYLiability · $750,000 · ended Apr 1, 2025 · replaced by another insurer11 months in forceL&I to May 14, 2026
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Apr 1, 2023PROGRESSIVE CASUALTY INSURANCE COMPANYLiability · $750,000 · ended May 7, 2024 · cancellation notice took effect13 months in forceL&I to May 14, 2026
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Apr 1, 2022NORTHLAND INSURANCE COMPANYLiability · $750,000 · ended Apr 1, 2023 · replaced by another insurera cancellation notice effective May 3, 2023 came after the replacement; 12 months in forceL&I to May 14, 2026
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Apr 1, 2019PROGRESSIVE CASUALTY INSURANCE COMPANYLiability · $750,000 · ended Apr 1, 2022 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Mar 5, 2019FMCSA revocation notice for the operating authority, dropped Mar 29, 2019opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Apr 1, 2019)L&I to May 14, 2026
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Nov 6, 2018BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 1, 2019 · cancellation notice took effect5 months in forceL&I to May 14, 2026
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Apr 1, 2018BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Nov 6, 2018 · superseded by the same policya cancellation notice effective Dec 12, 2018 came after the replacement; 7 months in forceL&I to May 14, 2026
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Mar 5, 2018FMCSA revocation notice for the operating authority, dropped Apr 4, 2018opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Apr 1, 2018)L&I to May 14, 2026
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Jun 7, 2017BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 1, 2018 · cancellation notice took effect10 months in forceL&I to May 14, 2026
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Apr 1, 2017BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Jun 7, 2017 · superseded by the same policya cancellation notice effective Jul 12, 2017 came after the replacement; 2 months in forceL&I to May 14, 2026
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Mar 6, 2017FMCSA revocation notice for the operating authority, dropped Mar 30, 2017opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Apr 1, 2017)L&I to May 14, 2026
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Apr 1, 2016BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 1, 2017 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 7, 2016FMCSA revocation notice for the operating authority, dropped Mar 16, 2016opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Apr 1, 2016)L&I to May 14, 2026
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Apr 1, 2015BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 1, 2016 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 5, 2015FMCSA revocation notice for the operating authority, dropped Mar 31, 2015opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Apr 1, 2015)L&I to May 14, 2026
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Apr 15, 2014BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 1, 2015 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 1, 2014BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 15, 2014 · superseded by the same policya cancellation notice effective May 17, 2014 came after the replacementL&I to May 14, 2026
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Mar 5, 2014FMCSA revocation notice for the operating authority, dropped Mar 31, 2014opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Mar 14, 2014)L&I to May 14, 2026
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Feb 18, 2014BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Apr 1, 2014 · cancellation notice took effect1 month in forceL&I to May 14, 2026
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Feb 18, 2014FMCSA revocation notice for the operating authority, dropped Feb 19, 2014opened after BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN filed a cancellation notice (effective Mar 14, 2014)L&I to May 14, 2026
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Apr 1, 2013BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $750,000 · ended Feb 18, 2014 · replaced by the same insurer (renewal)a cancellation notice effective Mar 14, 2014 came after the replacement; 11 months in forceL&I to May 14, 2026
What the terms mean
- Liability filing (BIPD):
- The insurer's certificate (form BMC-91 or 91X) that the motor carrier carries bodily-injury and property-damage liability at or above FMCSA's minimum. A BMC-82 is the same promise made by a surety bond.
- FMCSA minimum:
- $750,000 for general freight in vehicles of 10,001 lb or more; $300,000 under 10,001 lb; $1,000,000 for oil and some hazardous materials; $5,000,000 for bulk hazardous materials (49 CFR 387.9).
- Primary / excess:
- An excess filing sits on top of a primary one; together they make the total filed limit.
- Replaced:
- A new filing took over from this one. Replaced the same day is an ordinary change of insurer or renewal.
- Cancellation notice:
- Form BMC-35 (insurance) or BMC-36 (bond): the insurer tells FMCSA the filing ends in 30 days. The insurer files it whether the insurer or the motor carrier ended the policy; FMCSA does not publish the reason.
- Cancellation processed by FMCSA:
- FMCSA itself ended the filing, for example when the authority was revoked.
- Lapse:
- Time with no liability filing on FMCSA's record while the authority required one. A filing received later can be back-dated, which closes a lapse after the fact.
- Suspended for insurance:
- FMCSA suspended the operating authority because no filing meeting the minimum was on file. FMCSA's records state this reason only since May 14, 2026; before then they show a revocation notice without a cause.
- FMCSA notice resolved in time:
- Before May 14, 2026, FMCSA served a revocation notice when a required filing lapsed and dropped it when the filing was restored. The notice does not say which filing lapsed.
- Suspension notice:
- Since May 14, 2026, FMCSA serves a notice that the authority will be suspended on a date unless the missing filing is restored. The notice does not say which filing.
- Cargo filing:
- Form BMC-34. FMCSA has required it only of household-goods motor carriers and forwarders since 2011, so most motor carriers' cargo policies are not on FMCSA's record.
- Broker bond / trust fund:
- Form BMC-84 (surety bond) or BMC-85 (trust fund): the $75,000 security a broker or freight forwarder must keep on file.
- Self-insurance authority:
- FMCSA lets a few large motor carriers carry their own liability; it appears as a filing by "Self-Insured".
- Risk retention group:
- An insurer owned by its policyholders (often trucking groups). It is not covered by state insurance guaranty funds.
- FMCSA record through:
- The date of the FMCSA file this section was built from. Dockets FMCSA's new system has not yet published are shown from the legacy record, frozen on May 14, 2026.
FMCSA's record of the insurance filed for this motor carrier's operating authority (forms BMC-91/91X liability, BMC-34 cargo, BMC-84/85 broker bond or trust), not the motor carrier's full insurance program. Only for-hire motor carriers with operating authority file with FMCSA; private and intrastate-only motor carriers keep proof of insurance at their place of business, so no filing does not mean no insurance. A filed limit is the amount the insurer certified to FMCSA, which can be below the policy's full limits; cargo and bond filings are shown as on file or not because FMCSA records the federal minimum rather than the policy amount. FMCSA's new registration system (May 14, 2026) publishes a partial set of dockets; a docket not yet in it is shown from the legacy record, frozen on that date, and the live check above is today's reading. Not part of the FRED grade. Wrong or out of date?
Where it happens
Loading map data…
Inspections by state
- Missouri (HQ) 4
- New Mexico 3
- Washington 3
- Indiana 2
- Arizona 1
- Idaho 1
- Maryland 1
- Oregon 1
How the estimate is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
How the estimate is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
Forward 12-Month Risk Outlook
The FRED Score predicts this motor carrier's crash risk over the next 12 months — how often they're likely to crash and how severe those crashes tend to be — versus a typical fleet of its size (4 power units: 4 filed, 4 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
0.3
Actual, per year in window
0.0
Projected, next 12 mo
0.3
0
0.25
0.5
We'd expect a typical fleet of 4 power units this active to have about 0.3 crashes a year. This motor carrier recorded 0 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.0 a year) — fewer than a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.3 over the next 12.
Fatal-crash risk: less than a 1% chance in the next 12 months
Modeled fatal-crash rate is about typical for similar fleets (likelihood of at least one fatal crash, from its exposure and safety profile).
Track Record Used
Crashes Sep 1, 2023 → Aug 31, 2026 · inspections Oct 1, 2024 → Sep 30, 2026 · data as of Oct 29, 2026
Inside that window:
18 inspections
and 0 crashes.
Why there is no grade.
Every grade but Satisfactory needs at least a 60% posterior past its cut; Satisfactory is what is left when none
passes. Here the 80% likely range (0.33×–1.91×)
still runs from below the Excellent cut (0.60×) to above the Poor cut (1.57×), so the record can't
separate a best-in-class fleet from a poor one and the page shows no grade and no FRED Score. The forecasts are
unchanged: in backtests, records this thin crash at their forecast on average but scatter about 2.6× as
widely around it as records that support a Satisfactory grade.
Confidence: Low · Z = 0.16
Satisfactory — 1.03x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.064 crashes per power-unit-year for a 4-unit for-hire fleet (pu2_5). Violations 1.23x (driver behaviour 3.16x, out-of-service 1.42x, all violations 1.91x; 18 inspections). Experience 0.84x: 0.0 decayed crashes against 0.5 expected over 36 months (credibility 0.16, a 2.56). 80% range 0.33–1.91x. Last change: no change since the last run.
No change since the previous weekly run.
Scoring flags
Thin record (low credibility: little exposure behind the grade)
(informational — no grade effect)
What Drives This Score
1.00× = this motor carrier's class rate
FRED multiplies three factors: the class rate a fleet of this size, class and activity is expected to run, a violation relativity from its roadside record, and its own crash experience over 36 months weighted by how much exposure stands behind it. The grade is the band of the resulting relativity to class, then the screens.
Class rate
6.4 crashes per 100 power-unit-years
4 power units · 0.26 expected crashes a year
Violation relativity
1.23×
18 inspections in window
Crash experience
0.84×
0.0 decayed crashes vs 0.5 expected · credibility 0.16
Driver behaviour
Out-of-service rate
All violations
0×1× class2×+
Each sub-relativity is shrunk toward its cohort rate when the record is thin (Bühlmann credibility), so a short record reads close to 1.00×.
Relativity to class 1.03× (80% range 0.33–1.91×)
· band Satisfactory
· cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11, Critical above
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA BASIC Scores
AB PropertyTotal Inspections
18
Driver Insp
18
Driver OOS
3
Vehicle Insp
9
Vehicle OOS
3
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 4 | 5.21 | |
| HOS Compliance | 5 | 4.13 | |
| Driver Fitness | 1 | 1.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 6 | 11.86 |
SMS record data is sourced from FMCSA's Safety Measurement System (02-DEC-24 – 30-APR-26) and may cover a different time window than the scoring window used for the FRED grade (Sep 1, 2023 → Sep 30, 2026). Counts here may differ from the grade's in-window counts.