BULL AND BEAR COMPANY

DOT# 2404871 MC# 827328 Loveland, OH Authorized For-Hire
(513) 445-2629 safety@bullandbearco.com 3253 Us-22, Loveland OH 45140
99 tractors 84 drivers 13.1M mi/yr · ~133k per unit
Strong
FRED Score 80.4 / 100
High confidence
13 yrs history · 187 roadside inspections

FMCSA Live Status

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Fleet & equipment

Power units
99
Drivers · CDL
84 · 84
Annual miles
13.1M
Type Own Term Trip Total
Trucks 0 0 0 0
Tractors 51 48 0 99
Trailers 76 34 0 110

Registration

Registered
05-10-2013 (13 yrs)
MCS-150 Update
04-16-2026
FRED Score Date
Nov 08, 2026
Officer
ZAFAR BAZAROV

Cargo

58.5
medium risk
Metal: Sheets/Coils/Rolls Liquids/Gases Meat Refrigerated Food General Freight Fresh Produce Chemicals
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.

Expected crash rate is probably lower than similar fleets (about a 90% chance), but the record is too thin to say by how much.

Similar fleets: interstate 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.

Per truck, fleets like this one are expected to crash about 1.6× as often as the median active fleet of 100–199 trucks.

This motor carrier 0.70×
ExcellentStrongSatisf.MarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
4.6 vs 6.6 for similar fleets
Likely 1–9 crashes
This motor carrier
4.6
Similar fleets
6.6
Chance of a fatal crash, next 12 months
~12%
Below similar fleets.
What's driving the grade
Crash history
betterworse
Leans better, not yet proven. 9 crashes on the FMCSA record in 24 months (about 4.5 a year), including 3 with injuries; similar fleets have about 6.6 a year. The grade counts 13 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Mixed. Unsafe-driving and hours-of-service violations 1.38× the rate expected for its inspections, but violations 0.70×. Together they barely move its crash estimate. 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 crashes
    3 crashes with 6 people hurt in 24 months.
    Ask: claim status and driver history for these crashes.
  • Drivers put out of service
    5 out-of-service violations against drivers: 4 hours of service, 1 medical certificate (Mar 2025 – Jun 2026).
    Ask: driver supervision and dispatch practices.
  • Brakes and tires
    Brakes are 38 of 166 violations (23%). Brake or tire defects led to 25 out-of-service orders.
    Ask: the preventive-maintenance schedule and shop records.
  • Falsified logs
    3 false-log violations in 24 months.
    Ask: how hours are audited against ELD and fuel records.
  • Unsafe driving
    Cited 6 for speeding 15+ mph over or in a work zone and 1 for phone use.
    Ask: telematics, speed governance and phone policy.
  • Hazmat violations
    13 hazmat violations, 3 out of service.
Strengths
  • Driver out-of-service rate 2.7% vs 6.7% national.
  • No FMCSA BASIC alerts.
Data flags
  • Dangerous driving: 8
  • Excessive speeding: 10

Track record

FMCSA record, Sep 2024 – Sep 2026 · grade scored on Oct 1, 2023 → Oct 31, 2026
Crashes
9
0 fatalities · 6 injuries · 0 tow-aways
Inspections
187
50% clean (no violations)
Vehicle out-of-service
26.8%
33 of 123
National avg 22.3%
Driver out-of-service
2.7%
5 of 187
National avg 6.7%
Violations
166
46 out-of-service

Inspected more often than interstate fleets of 50–99 trucks in Ohio (about 107 in 24 months would be typical).

Inspections per quarter With an out-of-service order
Q4 '24: 13 inspections, 4 out of service 13 Q4 '24 Q1 '25: 36 inspections, 8 out of service 36 Q1 '25 Q2 '25: 24 inspections, 3 out of service 24 Q2 '25 Q3 '25: 25 inspections, 4 out of service 25 Q3 '25 Q4 '25: 25 inspections, 5 out of service 25 Q4 '25 Q1 '26: 21 inspections, 5 out of service 21 Q1 '26 Q2 '26: 24 inspections, 5 out of service 24 Q2 '26 Q3 '26: 18 inspections, 3 out of service 18 Q3 '26
Sep 25–30, 2024 isn't charted (too little of that quarter is on file); the 24-month totals include its 1 inspection.
vs 4,136 peer fleets
This motor carrierPeers
Crashes 0.040 0.026
Inspections 1.22 0.97
Violations 0.84 0.57
Critical violations 0.23 0.12

Yearly rates from the last 24 months. Peers: interstate fleets, 50–99 power units, medium-risk cargo.

What they get cited for

166 violations · 24 months
  • Vehicle maintenance No alert
    107 · 38 OOS
    Brakes 38 · Tires 25 · Lights 22 · Steering & suspension 5 · Wheels & hubs 5 · 12 more
  • Unsafe driving No alert
    29 · 0 OOS
    Reckless / lane 12 · Speeding 11 · Seat belt 2 · Phone use 1 · Other 3
  • Hours of service No alert
    16 · 4 OOS
    Logbook / ELD paperwork 11 · False log 3 · No log 2
  • Driver fitness No alert
    1 · 1 OOS
    Medical certificate 1
  • Drugs & alcohol No alert
    0
  • Hazmat
    13 · 3 OOS
Out-of-service violations “No alert” = under FMCSA's BASIC intervention threshold

Violations by quarter

Tap a category to show or hide it
No violation trend data

Crashes

24 months
  • Aug
    14
    2026
    Iowa
    Property damage only
    Daylight, two-way trafficway divided unprotected median.
  • Feb
    3
    2026
    Connecticut
    Property damage only
    Daylight, one-way trafficway not divided.
  • Jan
    31
    2026
    Virginia
    Property damage only
    Snow road, dark - not lighted, snow, two-way trafficway divided unprotected median. FMCSA: not preventable.
  • Jan
    22
    2026
    Pennsylvania
    Property damage only
    Ice road, dark - not lighted, blowing sand soil dirt or snow, two-way trafficway divided unprotected median.
  • May
    20
    2025
    Ohio
    Property damage only
    Daylight, two-way trafficway not divided. Citation issued.
  • Apr
    12
    2025
    Arkansas
    Property damage only
    Daylight, two-way trafficway divided positive barrier. FMCSA: not preventable.
  • Feb
    15
    2025
    Tennessee
    Injury · 1 person hurt
    Wet road, dawn, two-way trafficway not divided.
  • Dec
    4
    2024
    Tennessee
    Injury · 3 people hurt
    Dark - lighted, two-way trafficway divided positive barrier.

1 more in the FMCSA records below.

Insurance filed with FMCSA

FMCSA record through May 14, 2026 · no change recorded by FMCSA since
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Last on FMCSA's record (May 14, 2026)
$1,000,000 · HIGHLANDER SPECIALTY INSURANCE COMPANY
on record since May 13, 2026 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since Jun 2013
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
  • 4 liability insurers on FMCSA's record, 3 changes: MSIG SPECIALTY INSURANCE USA INC → HIGHLANDER SPECIALTY INSURANCE COMPANY (May 2026); NATIONAL INDEMNITY COMPANY → MSIG SPECIALTY INSURANCE USA INC (Nov 2025); CHEROKEE INSURANCE COMPANY → NATIONAL INDEMNITY COMPANY (Jun 2025)
  • 2 cancellation notices filed by insurers; 1 took effect (the last Jun 14, 2025, replaced 7 days later); 1 replaced before it took effect
  • No gap in filed liability coverage while liability was required
Authority
  • FMCSA notices resolved in time: 2

Operating authority active (FMCSA's L&I record of May 14, 2026, status since May 13, 2026)

Who insures fleets like this →

FMCSA filings only, not a policy audit. Not part of the FRED grade. Wrong or out of date?

Where it happens

Loading map data…
Inspections by state
  • Texas 16
  • Illinois 14
  • Louisiana 13
  • Ohio (HQ) 13
  • Tennessee 12
  • Arkansas 10
  • Indiana 10
  • Georgia 8

Runs well beyond its home state: 13 of 187 inspections were in Ohio.