THE W H FAY COMPANY
FMCSA Live Status
Fleet & equipment
- Power units
- 17
- Drivers · CDL
- 15 · 15
- Annual miles
- 605k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 17 | 0 | 17 |
| Trailers | 0 | 29 | 0 | 29 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (09-28-2018) · 8 yr old
- Registered
- 05-24-1982 (44 yrs)
- MCS-150 Update
- 10-23-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- WILLIAM G GREGG
Cargo
- High-Risk Cargo
- Machinery Large, General Freight
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.
The expected crashes behind this grade assume the filed fleet of 17 power units is real, but the roadside record corroborates little of it — 3 units seen in 24 months, 0.18 inspections per filed unit-year. The grade's relativity to class is unchanged; its confidence tier is cut to reflect the unverified exposure, and until the fleet is confirmed an Excellent grade shows as Strong and a Strong as Satisfactory. Verify the fleet size before relying on the crash expectation.
Too little record to tell how this motor carrier's crash rate compares with similar fleets.
Similar fleets: for-hire fleets of 10–19 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
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.
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Filed fleet not seen on the roadOnly 3 of the 17 filed power units were seen at a roadside inspection in 24 months (6 inspections in all). The crash expectation behind the grade assumes all 17 are running.Ask: how many trucks are actually operating, with the vehicle schedule.
- No reportable crashes in 24 months.
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.031 |
| Inspections | 0.29 | 1.11 |
| Violations | 0.26 | 0.89 |
| Critical violations | 0.09 | 0.17 |
Yearly rates from the last 24 months. Peers: 10–19 power units, medium-risk cargo.
What they get cited for
9 violations · 24 months-
Vehicle maintenance No alert7 · 3 OOSCargo securement 2 · Brakes 1 · Tires 1 · Wheels & hubs 1 · Other parts 2
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Hours of service No alert2 · 1 OOSLogbook / ELD paperwork 1 · Over hours limit 1
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Unsafe driving No alert0
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Driver fitness No alert0
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 monthsNo reportable crashes on the FMCSA record in the last 24 months.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026- Liability (BIPD)
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$750,000 · Harco National Insurance Companyon record since Jun 15, 2024 · FMCSA minimum $750,000 · no gap on FMCSA's record since Jun 1994
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Sep 12, 1985)
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
17 filings and 8 authority events since 1982 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Jun 15, 2024Harco National Insurance CompanyLiability · $750,000 · on fileFMCSA's new system
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Jun 15, 2023HARCO NATIONAL INSURANCE CO.Liability · $750,000 · ended Jun 15, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Jun 15, 2020HARCO NATIONAL INSURANCE CO.Liability · $750,000 · ended Jun 15, 2023 · replaced by the same insurer (renewal)36 months in forceL&I to May 14, 2026
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Jun 15, 2019NATIONAL INTERSTATE INSURANCE COMPANYLiability · $1,000,000 · ended Jun 15, 2020 · replaced by another insurera cancellation notice effective Jul 5, 2020 came after the replacement; 12 months in forceL&I to May 14, 2026
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Feb 12, 2019AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Jun 15, 2019 · replaced by another insurera cancellation notice effective Jul 10, 2019 came after the replacement; 4 months in forceL&I to May 14, 2026
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Jan 16, 2019FMCSA revocation notice for the operating authority, dropped Jan 22, 2019opened after AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS filed a cancellation notice (effective Feb 12, 2019)L&I to May 14, 2026
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Jun 15, 2018AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Feb 12, 2019 · cancellation notice took effect8 months in forceL&I to May 14, 2026
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May 22, 2018FMCSA revocation notice for the operating authority, dropped Jun 14, 2018opened after AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS filed a cancellation notice (effective Jun 18, 2018)L&I to May 14, 2026
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Jun 15, 2013AMERICAN HALLMARK INSURANCE COMPANY OF TEXASLiability · $1,000,000 · ended Jun 15, 2018 · superseded by the same policya cancellation notice effective Jun 18, 2018 came after the replacement; 60 months in forceL&I to May 14, 2026
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May 20, 2013FMCSA revocation notice for the operating authority, dropped Jun 11, 2013opened after CAROLINA CASUALTY INSURANCE CO. filed a cancellation notice (effective Jun 15, 2013)L&I to May 14, 2026
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Jun 15, 2012CAROLINA CASUALTY INSURANCE CO.Liability · $750,000 · ended Jun 15, 2013 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 15, 2011CAROLINA CASUALTY INSURANCE CO.Liability · $750,000 · ended Jun 15, 2012 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 15, 2005SENTRY SELECT INSURANCE COMPANYCargo · ended Apr 25, 2011 · cancellation notice took effect70 months in forceL&I to May 14, 2026
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Jun 15, 2005SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Jun 15, 2011 · replaced by another insurer72 months in forceL&I to May 14, 2026
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May 19, 2005FMCSA revocation notice for the operating authority, dropped Jun 14, 2005opened after AMERICAN SOUTHERN INSURANCE CO. filed a cancellation notice (effective Jun 15, 2005)L&I to May 14, 2026
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Jun 15, 2004HARTFORD FIRE INSURANCE COMPANYCargo · ended Jun 15, 2005 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Jun 15, 2004AMERICAN SOUTHERN INSURANCE CO.Liability · $750,000 · ended Jun 15, 2005 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 15, 2001REDLAND INSURANCE CO.Liability · $1,000,000 · ended Jun 15, 2004 · replaced by another insurer36 months in forceL&I to May 14, 2026
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Jul 12, 2000FMCSA revocation notice for the operating authority, dropped Jul 28, 2000cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jun 15, 2000CONTINENTAL NATIONAL INDEMNITY COMPANYLiability · $1,000,000 · ended Jun 15, 2001 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Jun 15, 1994HARTFORD FIRE INSURANCE COMPANYCargo · ended Jun 15, 2004 · replaced by the same insurer (renewal)a cancellation notice effective Oct 8, 2004 came after the replacement; 120 months in forceL&I to May 14, 2026
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Jun 15, 1994CONTINENTAL NATIONAL INDEMNITY COMPANYLiability · $1,000,000 · ended Jun 15, 2000 · cancellation notice took effect72 months in forceL&I to May 14, 2026
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Dec 28, 1992FMCSA revocation notice for the operating authority, dropped Jan 13, 1993cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Dec 1, 1988FMCSA revocation notice for the operating authority, dropped Dec 15, 1988cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Sep 17, 1982Operating authority grantedL&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
- Ohio (HQ) 6
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 (17 power units: 17 filed, 3 seen roadside in 24 months).
We'd expect a typical fleet of 17 power units this active to have about 0.5 crashes a year — but only 3 of the 17 filed units were seen roadside in 24 months (0.18 inspections per filed unit-year), so this expectation assumes the filed fleet is real. 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 0.4 over the next 12 — below a typical fleet.
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.
FMCSA records
BASIC measures and every inspection, violation and crash, sortable and filterable.
FMCSA BASIC Scores
AB Property| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 0 | 0.00 | |
| HOS Compliance | 2 | 2.30 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 2 | 11.00 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-SEP-26 – 25-SEP-25) 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.