HARMS OIL COMPANY
(605) 226-2648
jessica.carroll@harmsoil.com
38498 Us Hwy 12, Aberdeen SD 57401
190
tractors · all owned
125 drivers
8M mi/yr · ~42k per unit
HazMat
Excellent
FRED Score 90.9 / 100
Moderate confidence
52 yrs history · 230 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 190
- Drivers · CDL
- 125 · 125
- Annual miles
- 8M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 177 | 0 | 0 | 177 |
| Trailers | 3 | 0 | 0 | 3 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (12-21-2010) · 15 yr old
- Registered
- 06-01-1974 (52 yrs)
- MCS-150 Update
- 10-23-2025 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- JESSICA CARROLL
- Officer
- JASON HARMS
Cargo
32.3
low risk
Liquids/Gases
Other: OIL
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
Expected crash rate is about half that of similar fleets.
Similar fleets: for-hire fleets of 100–199 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
This motor carrier 0.54×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
3.0 vs 5.6 for similar fleets
Likely 1–6 crashes
This motor carrier
3.0
Similar fleets
5.6
Chance of a fatal crash, next 12 months
~8%
Below similar fleets.
What's driving the grade
Crash history
betterworse
Leans better, not yet proven. 5 crashes on the FMCSA record in 24 months (about 2.5 a year), including 2 with injuries; similar fleets have about 5.6 a year. The grade counts 8 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Much better than peers. Out-of-service orders 0.17×, violations 0.24× and unsafe-driving and hours-of-service violations 0.26× the rate expected for its inspections. Together they move its crash estimate -33%. It's inspected more often than most fleets its size.
Worth a closer look
From the FMCSA record. The grade already counts the safety items; insurance filings and links to other motor carriers are not in it.
-
Injury crashes2 crashes with 2 people hurt in 24 months.Ask: claim status and driver history for these crashes.
-
Drivers put out of service2 out-of-service violations against drivers: 1 no valid CDL, 1 hours of service (Jan 2026 – Sep 2026).Ask: driver supervision and dispatch practices.
-
Brakes and tiresBrakes are 20 of 61 violations (33%). Brake or tire defects led to 6 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
-
Hazmat violations8 hazmat violations, 3 out of service.
Strengths
- Vehicle out-of-service rate 4.5% vs 22.3% national; driver 0.9% vs 6.7%.
- No FMCSA BASIC alerts.
- 83% of inspections found no violations.
Data flags
-
Dangerous driving: 3
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
5
0 fatalities · 2 injuries · 0 tow-aways
Inspections
230
83% clean (no violations)
Vehicle out-of-service
4.5%
8 of 179
National avg 22.3%
Driver out-of-service
0.9%
2 of 230
National avg 6.7%
Violations
61
13 out-of-service
Inspections per quarter
With an out-of-service order
Sep 25–30, 2024 isn't charted (too little of that quarter is on file); the 24-month totals include its 3 inspections.
vs 112 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.013 | 0.017 |
| Inspections | 0.99 | 0.48 |
| Violations | 0.16 | 0.20 |
| Critical violations | 0.03 | 0.03 |
Yearly rates from the last 24 months. Peers: 100–199 power units, low-risk cargo.
What they get cited for
61 violations · 24 months-
Vehicle maintenance No alert43 · 8 OOSBrakes 20 · Tires 7 · Lights 5 · Steering & suspension 3 · Cargo securement 2 · 6 more
-
Unsafe driving No alert5 · 0 OOSSpeeding 1 · Other 4
-
Hours of service No alert4 · 1 OOSLogbook / ELD paperwork 3 · Over hours limit 1
-
Driver fitness No alert1 · 1 OOSNo valid CDL 1
-
Drugs & alcohol No alert0
-
Hazmat8 · 3 OOS
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 months-
Jan52026WyomingInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median. Citation issued.
-
Dec92025South DakotaProperty damage onlyIce road, daylight, sleet hail, two-way trafficway divided unprotected median.
-
Oct172025IowaProperty damage onlyWet road, daylight, rain, two-way trafficway divided unprotected median. Citation issued. Hazmat released.
-
Jan62025South DakotaProperty damage onlyDaylight, two-way trafficway divided unprotected median. Citation issued.
-
Dec182024NebraskaInjury · 1 person hurtDaylight, two-way trafficway not divided.
2 of the 5 crashes hurt someone but killed no one.
1 of the 5 crashes released hazardous materials.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026Today · live FMCSA check
Checking FMCSA…
- Liability (BIPD)
-
primary $1,000,000 + excess $4,000,000 + excess $4,000,000 · Imperium Insurance Companyon record since Oct 1, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Oct 20181 other liability filing also on file
- Cargo filing
- on file · United States Fire Insurance Company since Oct 1, 2023
- Broker or forwarder bond
- $75,000 surety bond (BMC-84) · The Cincinnati Insurance Company since Nov 27, 2017
36 months to Nov 2, 2026
- 2 liability insurers on FMCSA's record, 2 changes: Great Midwest Insurance Company → Imperium Insurance Company (Oct 2026); IMPERIUM INSURANCE COMPANY → Great Midwest Insurance Company (Oct 2025)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Jan 12, 2018)
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
23 filings and 8 authority events since 1992 · FMCSA record through Nov 2, 2026
Every insurance filing on the FMCSA record
23 filings and 8 authority events since 1992 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
-
Oct 1, 2026Imperium Insurance CompanyLiability · $1,000,000 · on fileFMCSA's new system
-
Oct 1, 2026Fortegra Specialty Insurance CompanyLiability (excess) · $4,000,000 over $1,000,000 · on fileFMCSA's new system
-
Oct 1, 2025Imperium Insurance CompanyLiability (excess) · $4,000,000 over $1,000,000 · on fileFMCSA's new system
-
Oct 1, 2025Great Midwest Insurance CompanyLiability · $1,000,000 · on fileFMCSA's new system
-
Oct 1, 2024IMPERIUM INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2025 · replaced by another insurer12 months in forceL&I to May 14, 2026
-
Oct 1, 2023United States Fire Insurance CompanyCargo · on file · on fileFMCSA's new system
-
Oct 1, 2023IMPERIUM INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
-
Oct 1, 2023HOUSTON SPECIALTY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · ended Oct 1, 2025 · replaced by another insurer24 months in forceL&I to May 14, 2026
-
Oct 1, 2022IMPERIUM INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
-
Oct 1, 2022HOUSTON SPECIALTY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · ended Oct 1, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
-
Oct 1, 2020AUSTIN MUTUAL INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · ended Oct 1, 2022 · replaced by another insurer24 months in forceL&I to May 14, 2026
-
Oct 1, 2020AUSTIN MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2022 · replaced by another insurer24 months in forceL&I to May 14, 2026
-
Oct 1, 2020FMCSA revocation notice for the operating authority, dropped Oct 9, 2020cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Oct 1, 2018EMPLOYERS MUTUAL CASUALTY CO.Liability (excess) · $5,000,000 over $1,000,000 · ended Oct 1, 2020 · replaced by another insurera cancellation notice effective Oct 28, 2020 came after the replacement; 24 months in forceL&I to May 14, 2026
-
Oct 1, 2018EMCASCO INSURANCE COMPANYLiability · $1,000,000 · ended Oct 1, 2020 · replaced by another insurer24 months in forceL&I to May 14, 2026
-
Jan 12, 2018Broker authority grantedL&I to May 14, 2026
-
Nov 27, 2017The Cincinnati Insurance CompanyBroker bond (BMC-84) · on file · on fileFMCSA's new system
-
Jan 16, 2016EMCASCO INSURANCE COMPANYLiability · $1,000,000 · ended Feb 10, 2016 · cancellation notice took effect1 month in forceL&I to May 14, 2026
-
Jan 11, 2016EMPLOYERS MUTUAL CASUALTY CO.Liability (excess) · $5,000,000 over $1,000,000 · ended Oct 1, 2018 · replaced by the same insurer (renewal)a cancellation notice effective Dec 15, 2018 came after the replacement; 33 months in forceL&I to May 14, 2026
-
Jan 11, 2016EMCASCO INSURANCE COMPANYLiability · $1,000,000 · ended Feb 10, 2016 · cancellation notice took effecta cancellation notice effective Dec 15, 2018 came after the replacement; 1 month in forceL&I to May 14, 2026
-
Jan 4, 2016FMCSA revocation notice for the operating authority, dropped Jan 12, 2016cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Aug 12, 2010EMPLOYERS MUTUAL CASUALTY CO.Liability (excess) · $4,000,000 over $1,000,000 · ended Jan 11, 2016 · replaced by the same insurer (renewal)a cancellation notice effective Jan 30, 2016 came after the replacement; 65 months in forceL&I to May 14, 2026
-
Aug 9, 2010FMCSA revocation notice for the operating authority, dropped Sep 13, 2010cause not stated in FMCSA's older recordsL&I to May 14, 2026
-
Aug 1, 2010EMPLOYERS MUTUAL CASUALTY CO.Liability · $1,000,000 · ended Aug 12, 2010 · replaced by the same insurer (renewal)L&I to May 14, 2026
-
Nov 17, 2005FMCSA revocation notice for the operating authority, dropped Dec 15, 2005cause not stated in FMCSA's older recordsL&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
- South Dakota (HQ) 95
- Nebraska 46
- Iowa 30
- North Dakota 27
- Montana 18
- Wyoming 7
- Federal inspectors 5
- Minnesota 1
41% of inspections were in its home state.
How this grade is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
How this grade 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 (190 power units: 190 filed, 112 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
5.6
Actual, per year in window
2.7
Projected, next 12 mo
3.0
0
3.5
7
We'd expect a typical fleet of 190 power units this active to have about 5.6 crashes a year. This motor carrier recorded 8 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.7 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 3.0 over the next 12 — below a typical fleet. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.2× the injury/fatal weight of a typical crash.
Fatal-crash risk: about 8% chance in the next 12 months
Modeled fatal-crash rate is below that of 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:
226 inspections
and 8 crashes.
The FMCSA record tables now hold 227 inspections and 5 crashes in that window — the SMS data moved after this grade was computed.
Outside the scoring window
on the FMCSA record · not in this grade
Aged out — crashes before Sep 1, 2023, inspections before Oct 1, 2024
- 3 inspections with no out-of-service result
Confidence: Moderate · Z = 0.53
Excellent — 0.54x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.029 crashes per power-unit-year for a 190-unit for-hire fleet (pu100_199). Violations 0.67x (driver behaviour 0.26x, out-of-service 0.17x, all violations 0.24x; 226 inspections). Experience 0.82x: 3.8 decayed crashes against 5.7 expected over 36 months (credibility 0.53, a 5.08). 80% range 0.32–0.80x. Last change: no change since the last run.
No change since the previous weekly run.
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
2.9 crashes per 100 power-unit-years
190 power units · 5.59 expected crashes a year
Violation relativity
0.67×
226 inspections in window
Crash experience
0.82×
3.8 decayed crashes vs 5.7 expected · credibility 0.53
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 0.54× (80% range 0.32–0.80×)
· band Excellent
· 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
230
Driver Insp
230
Driver OOS
2
Vehicle Insp
179
Vehicle OOS
8
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 5 | 0.30 | |
| HOS Compliance | 4 | 0.08 | |
| Driver Fitness | 1 | 0.07 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 30 | 0.98 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-AUG-26 – 31-OCT-24) 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.