B & T EXPRESS INC
(330) 549-0000
jlong@btxpinc.com
400 Miley Rd, North Lima OH 44452
296
tractors
264 drivers
17.4M mi/yr · ~59k per unit
Marginal
FRED Score 46.8 / 100
High confidence
39 yrs history · 515 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 296
- Drivers · CDL
- 264 · 264
- Annual miles
- 17.4M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 114 | 182 | 0 | 296 |
| Trailers | 192 | 238 | 0 | 430 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (05-12-2022) · 4 yr old
- Registered
- 01-13-1987 (39 yrs)
- MCS-150 Update
- 01-08-2026 (Address Change)
- FRED Score Date
- Nov 07, 2026
- Officer
- BREEN O MALLEY
Cargo
63.4
medium risk
Metal: Sheets/Coils/Rolls
Machinery/Large Objects
Intermodal Containers
General Freight
Logs/Poles/Beams/Lumber
Building Materials
Construction
- 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.
Expected crash rate is probably higher than similar fleets (about a 70% chance), but the record is too thin to say by how much.
Similar fleets: for-hire fleets of 200–499 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 1.14×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
13.5 vs 11.9 for similar fleets
Likely 7–21 crashes
This motor carrier
13.5
Similar fleets
11.9
Chance of a fatal crash, next 12 months
~32%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 25 crashes on the FMCSA record in 24 months (about 12 a year), including 9 with injuries; similar fleets have about 12 a year. The grade counts 37 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Worse than peers. Unsafe-driving and hours-of-service violations 1.65× the rate expected for its inspections. Together they move its crash estimate +6%: roadside results weigh far less than crash history. 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.
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Injury crashes9 crashes with 12 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service19 out-of-service violations against drivers: 10 no valid CDL, 6 hours of service, 3 medical certificate (Jan 2025 – Sep 2026).Ask: driver supervision and dispatch practices.
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Brakes and lightsBrakes are 133 of 516 violations (26%). Brake or light defects led to 48 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs7 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
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Unsafe drivingCited 12 for speeding 15+ mph over or in a work zone and 1 for phone use.Ask: telematics, speed governance and phone policy.
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Vehicle out-of-service rate31.2% of vehicle inspections end out of service vs 22.3% nationally (84 of 269), but across all its inspections out-of-service orders are 1.04× what's expected for where and how it's inspected, the measure the grade uses.
Strengths
- Driver out-of-service rate 3.1% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
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Dangerous driving: 15
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Excessive speeding: 36
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Substance violations: 1
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
25
0 fatalities · 12 injuries · 0 tow-aways
Inspections
515
52% clean (no violations)
Vehicle out-of-service
31.2%
84 of 269
National avg 22.3%
Driver out-of-service
3.1%
16 of 515
National avg 6.7%
Violations
516
144 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 4 inspections.
vs 1,008 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.046 | 0.022 |
| Inspections | 1.24 | 0.74 |
| Violations | 0.87 | 0.32 |
| Critical violations | 0.19 | 0.07 |
Yearly rates from the last 24 months. Peers: 200–499 power units, medium-risk cargo.
What they get cited for
516 violations · 24 months-
Vehicle maintenance No alert357 · 125 OOSBrakes 133 · Lights 90 · Tires 49 · Cargo securement 35 · Wheels & hubs 8 · 42 more
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Unsafe driving No alert98 · 0 OOSReckless / lane 43 · Speeding 41 · Seat belt 6 · Phone use 1 · Other 7
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Hours of service No alert48 · 6 OOSLogbook / ELD paperwork 20 · Over hours limit 12 · No log 9 · False log 7
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Driver fitness No alert13 · 13 OOSNo valid CDL 10 · Medical certificate 3
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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 months-
Jul42026MississippiInjury · 1 person hurtDark - not lighted, two-way trafficway divided unprotected median.
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Jun112026AlabamaProperty damage onlyDark - lighted, two-way trafficway divided unprotected median.
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May302026TennesseeInjury · 3 people hurtWet road, daylight, two-way trafficway divided unprotected median.
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May282026MississippiProperty damage onlyDaylight, one-way trafficway not divided.
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Apr62026IndianaProperty damage onlyWet road, dark - not lighted, rain.
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Mar292026VirginiaProperty damage onlyDark - not lighted, two-way trafficway divided unprotected median.
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Feb202026OhioInjury · 1 person hurtDaylight, one-way trafficway not divided. Citation issued.
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Jan292026IllinoisProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Jan202026OhioInjury · 1 person hurtIce road, daylight, two-way trafficway divided unprotected median. Citation issued.
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Jan52026OhioInjury · 1 person hurtDaylight, one-way trafficway not divided. Citation issued.
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Jul172025AlabamaInjury · 1 person hurtDaylight, two-way trafficway divided unprotected median.
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Apr222025AlabamaInjury · 1 person hurtWet road, daylight, rain, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Mar252025GeorgiaInjury · 2 people hurtDaylight, two-way trafficway divided unprotected median. FMCSA: not preventable.
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Jan102025MarylandInjury · 1 person hurtDaylight, two-way trafficway divided positive barrier.
17 more in the FMCSA records below.
9 of the 25 crashes hurt someone but killed no one.
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)
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$750,000 · RLI INSURANCE COMPANYon record since Apr 10, 2009 · FMCSA minimum $750,000 · no gap on FMCSA's record since Apr 1990
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- $75,000 surety bond (BMC-84) · NATIONWIDE MUTUAL INSURANCE COMP since Oct 1, 2022
36 months to May 14, 2026
- One liability insurer throughout
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Oct 15, 2013)
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
53 filings and 24 authority events since 1988 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
53 filings and 24 authority events since 1988 · 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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Feb 1, 2025UNDERWRITERS AT LLOYDS LONDONCargo · ended Mar 31, 2026 · cancellation notice took effect14 months in forceL&I to May 14, 2026
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Jan 1, 2024UNDERWRITERS AT LLOYDS LONDONCargo · ended Feb 1, 2025 · replaced by the same insurer (renewal)13 months in forceL&I to May 14, 2026
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Mar 1, 2023UNDERWRITERS AT LLOYDS LONDONCargo · ended Jan 1, 2024 · replaced by the same insurer (renewal)10 months in forceL&I to May 14, 2026
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Oct 1, 2022NATIONWIDE MUTUAL INSURANCE COMPBroker bond (BMC-84) · on file · on fileL&I to May 14, 2026
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Apr 1, 2022UNDERWRITERS AT LLOYDS LONDONCargo · ended Mar 1, 2023 · replaced by the same insurer (renewal)a cancellation notice effective Apr 1, 2023 came after the replacement; 11 months in forceL&I to May 14, 2026
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May 1, 2021UNDERWRITERS AT LLOYDS LONDONCargo · ended Apr 1, 2022 · replaced by the same insurer (renewal)a cancellation notice effective May 1, 2022 came after the replacement; 11 months in forceL&I to May 14, 2026
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May 1, 2020UNDERWRITERS AT LLOYDS LONDONCargo · ended May 1, 2021 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 1, 2018UNDERWRITERS AT LLOYDS LONDONCargo · ended Jun 6, 2018 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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May 1, 2017UNDERWRITERS AT LLOYDS LONDONCargo · ended Mar 1, 2018 · replaced by the same insurer (renewal)a cancellation notice effective Apr 4, 2018 came after the replacement; 10 months in forceL&I to May 14, 2026
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May 1, 2016UNDERWRITERS AT LLOYDS LONDONCargo · ended May 1, 2017 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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May 1, 2015UNDERWRITERS AT LLOYDS LONDONCargo · ended May 1, 2016 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Mar 1, 2015UNDERWRITERS AT LLOYDS LONDONCargo · ended May 1, 2015 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Mar 1, 2014UNDERWRITERS AT LLOYDS LONDONCargo · ended Mar 1, 2015 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 1, 2013GREAT AMERICAN INSURANCE CO.Broker bond (BMC-84) · ended Oct 1, 2022 · replaced by another insurer108 months in forceL&I to May 14, 2026
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Sep 4, 2013FMCSA revocation notice for the broker authority, dropped Oct 15, 2013cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jun 1, 2012UNDERWRITERS AT LLOYDS LONDONCargo · ended Jun 1, 2013 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Dec 1, 2011UNDERWRITERS AT LLOYDS LONDONCargo · ended Jun 1, 2012 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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May 13, 2011AMERICAN CONTRACTORS INDEMNITY COMPANYBroker bond (BMC-84) · ended Oct 1, 2013 · cancellation notice took effect29 months in forceL&I to May 14, 2026
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Apr 18, 2011FMCSA revocation notice for the broker authority, dropped May 4, 2011cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Dec 1, 2010UNDERWRITERS AT LLOYDS LONDONCargo · ended Dec 1, 2011 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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May 5, 2010NOVA CASUALTY COMPANYBroker bond (BMC-84) · ended May 13, 2011 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Apr 8, 2010FMCSA revocation notice for the broker authority, dropped Apr 20, 2010cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Feb 23, 2010UNDERWRITERS AT LLOYDS LONDONCargo · ended Dec 1, 2010 · replaced by the same insurer (renewal)9 months in forceL&I to May 14, 2026
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Feb 5, 2010NOVA CASUALTY COMPANYBroker bond (BMC-84) · ended May 5, 2010 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jan 27, 2010FMCSA revocation notice for the operating authority, dropped Jan 29, 2010cause 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
- Mississippi 100
- Tennessee 84
- Ohio (HQ) 77
- Alabama 53
- Maryland 41
- Kentucky 28
- Indiana 25
- Georgia 24
15% 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 (296 power units: 296 filed, 255 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
11.9
Actual, per year in window
12.3
Projected, next 12 mo
13.5
0
8
16
We'd expect a typical fleet of 296 power units this active to have about 11.9 crashes a year. This motor carrier recorded 37 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 12.3 a year). Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 13.5 over the next 12. 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 32% 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:
510 inspections
and 37 crashes.
The FMCSA record tables now hold 511 inspections and 25 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
- Out-of-service inspection Sep 26, 2024 · MD · level 2 · 1 vehicle OOS · 1 violation
- 3 further inspections with no out-of-service result
Confidence: High · Z = 0.91
Marginal — 1.14x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.040 crashes per power-unit-year for a 296-unit for-hire fleet (pu200_499). Violations 1.06x (driver behaviour 1.65x, out-of-service 1.04x, all violations 1.03x; 510 inspections). Experience 1.07x: 21.0 decayed crashes against 19.5 expected over 36 months (credibility 0.91, a 1.88). 80% range 0.82–1.49x. 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
4.0 crashes per 100 power-unit-years
296 power units · 11.90 expected crashes a year
Violation relativity
1.06×
510 inspections in window
Crash experience
1.07×
21.0 decayed crashes vs 19.5 expected · credibility 0.91
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 1.14× (80% range 0.82–1.49×)
· band Marginal
· 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
515
Driver Insp
515
Driver OOS
16
Vehicle Insp
269
Vehicle OOS
84
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 89 | 3.00 | |
| HOS Compliance | 40 | 0.28 | |
| Driver Fitness | 11 | 0.21 | |
| Controlled Substances | 1 | 0.03 | |
| Vehicle Maintenance | 146 | 6.48 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 31-MAR-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.