SPEAR LOGISTICS LLC
(563) 231-5200
safety@spearlogistics.us
215 6th Avenue S Suite 1, Clinton IA 52732
6
tractors · all leased
6 drivers
Marginal
FRED Score 50.0 / 100
Moderate confidence
8 yrs history · 127 roadside inspections
Capped at Marginal
Current FMCSA Conditional rating (05-06-2026)
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 6
- Drivers · CDL
- 6 · 6
- Annual miles
- 2.2M unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 6 | 0 | 6 |
| Trailers | 0 | 6 | 0 | 6 |
Registration
- FMCSA Rating
- Conditional (05-06-2026)
- Registered
- 10-12-2018 (8 yrs)
- MCS-150 Update
- 01-01-2026
- FRED Score Date
- Nov 07, 2026
- Officer
- JOHN MATAIJA
Cargo
59.6
medium risk
Metal: Sheets/Coils/Rolls
Meat
Refrigerated Food
General Freight
Fresh Produce
Beverages
Paper Products
- 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.
Held at Marginal by an FMCSA Rating
FMCSA currently rates this motor carrier Conditional (05-06-2026). While that rating stands, FRED grades the motor carrier no better than Marginal, even where its roadside and crash record alone would grade higher.
Mileage Unreliable
MCS-150 annual mileage appears implausibly high for fleet size. The per-100k-mile rate benchmarks on this page are excluded; the FRED grade does not use mileage (crash exposure is power-unit-years, violation exposure is inspection counts).
Expected crash rate is about the same as similar fleets.
Similar fleets: for-hire fleets of 50–99 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 0.94×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
3.3 vs 3.5 for similar fleets
Likely 1–6 crashes
This motor carrier
3.3
Similar fleets
3.5
Chance of a fatal crash, next 12 months
~9%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 6 crashes on the FMCSA record in 24 months (about 3 a year), including 1 with injuries; similar fleets have about 3.5 a year. The grade counts 10 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Worse than peers. Unsafe-driving and hours-of-service violations 1.74× and violations 1.41× the rate expected for its inspections. Together they move its crash estimate +9%: 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 crashes1 crash with 1 person hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service2 out-of-service violations against drivers: 1 no valid CDL, 1 hours of service (Sep 2025 – Mar 2026).Ask: driver supervision and dispatch practices.
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Lights and brakesLights are 38 of 165 violations (23%). Light or brake defects led to 8 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
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Falsified logs2 false-log violations in 24 months.Ask: how hours are audited against ELD and fuel records.
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Unsafe drivingCited 3 for speeding 15+ mph over or in a work zone.Ask: telematics, speed governance and phone policy.
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Vehicle out-of-service rate28.8% of vehicle inspections end out of service vs 22.3% nationally (21 of 73), but across all its inspections out-of-service orders are 0.97× what's expected for where and how it's inspected, the measure the grade uses.
Strengths
- Driver out-of-service rate 1.6% vs 6.7% national.
- No FMCSA BASIC alerts.
Data flags
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Current adverse FMCSA safety ratingFMCSA currently rates this motor carrier Conditional or Unsatisfactory — a recent formal finding of safety-management deficiencies. Treat as a serious underwriting concern.
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Dangerous driving: 4
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Excessive speeding: 10
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Unreliable reported mileageThe motor carrier's self-reported annual mileage (MCS-150) looks implausible, so exposure- and mileage-based figures may be distorted.
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Unusual inspection rateInspections per truck fall outside the normal range (1st–99th percentile), which can point to a mis-reported fleet size or data issues.
Track record
FMCSA record, Sep 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
6
0 fatalities · 1 injury · 0 tow-aways
Inspections
127
46% clean (no violations)
Vehicle out-of-service
28.8%
21 of 73
National avg 22.3%
Driver out-of-service
1.6%
2 of 127
National avg 6.7%
Violations
165
31 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 1 inspection.
vs 70,135 peer fleets
Inspections per power unit look like an outlier vs peers; read these rates with care.
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.583 | 0.039 |
| Inspections | 18.33 | 1.41 |
| Violations | 13.75 | 1.44 |
| Critical violations | 2.92 | 0.26 |
Yearly rates from the last 24 months. Peers: Small (advisory) power units, medium-risk cargo.
What they get cited for
165 violations · 24 months-
Vehicle maintenance No alert123 · 29 OOSLights 38 · Brakes 29 · Tires 19 · Cargo securement 10 · Wheels & hubs 4 · 23 more
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Unsafe driving No alert21 · 0 OOSSpeeding 10 · Reckless / lane 6 · Seat belt 3 · Other 2
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Hours of service No alert18 · 1 OOSLogbook / ELD paperwork 11 · No log 4 · False log 2 · Over hours limit 1
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Driver fitness No alert3 · 1 OOSNo valid CDL 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-
Jun172025MontanaProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Apr192025TennesseeProperty damage onlyDark - not lighted, one-way trafficway not divided.
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Feb182025KentuckyInjury · 1 person hurtSnow road, dark - not lighted, snow, two-way trafficway not divided.
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Dec162024West VirginiaProperty damage onlyWet road, daylight, rain, two-way trafficway not divided.
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Nov202024North DakotaProperty damage onlyIce road, dark - not lighted, blowing sand soil dirt or snow, two-way trafficway not divided.
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Oct112024IllinoisProperty damage onlyDark - not lighted, two-way trafficway not divided. Citation issued.
1 of the 6 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 · UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)on record since Nov 3, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Nov 2018
- 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
- 5 liability insurers on FMCSA's record, 5 changes: PROGRESSIVE NORTHERN INSURANCE COMPANY → UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (Nov 2025); TRISURA SPECIALTY INSURANCE COMPANY → PROGRESSIVE NORTHERN INSURANCE COMPANY (Sep 2025); MILFORD CASUALTY INSURANCE COMPANY → TRISURA SPECIALTY INSURANCE COMPANY (Mar 2025)
- 7 cancellation notices filed by insurers; 6 took effect (the last Nov 3, 2025, replaced the same day); 1 replaced before it took effect
- No gap in filed liability coverage while liability was required
Authority
- FMCSA notices resolved in time: 7
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Oct 28, 2025)
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
22 filings and 20 authority events since 2018 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
22 filings and 20 authority events since 2018 · 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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Nov 3, 2025UNIVERSAL CASUALTY RISK RETENTION GROUP, INC (risk retention group)Liability · $750,000 · on fileL&I to May 14, 2026
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Oct 7, 2025FMCSA revocation notice for the operating authority, dropped Oct 28, 2025opened after PROGRESSIVE NORTHERN INSURANCE COMPANY filed a cancellation notice (effective Nov 3, 2025)L&I to May 14, 2026
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Sep 17, 2025PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended Nov 3, 2025 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Aug 21, 2025FMCSA revocation notice for the operating authority, dropped Sep 12, 2025opened after TRISURA SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Sep 17, 2025)L&I to May 14, 2026
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Mar 15, 2025TRISURA SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Sep 17, 2025 · cancellation notice took effect6 months in forceL&I to May 14, 2026
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Feb 18, 2025FMCSA revocation notice for the operating authority, dropped Mar 14, 2025opened after MILFORD CASUALTY INSURANCE COMPANY filed a cancellation notice (effective Mar 17, 2025)L&I to May 14, 2026
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Feb 3, 2025MILFORD CASUALTY INSURANCE COMPANYLiability · $1,000,000 · ended Mar 15, 2025 · replaced by another insurera cancellation notice effective Mar 17, 2025 came after the replacement; 1 month in forceL&I to May 14, 2026
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Jan 7, 2025FMCSA revocation notice for the operating authority, dropped Jan 23, 2025opened after MILFORD CASUALTY INSURANCE COMPANY filed a cancellation notice (effective Feb 3, 2025)L&I to May 14, 2026
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Nov 12, 2024MILFORD CASUALTY INSURANCE COMPANYLiability · $750,000 · ended Feb 3, 2025 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Oct 16, 2024FMCSA revocation notice for the operating authority, dropped Nov 12, 2024opened after SENTRY SELECT INSURANCE COMPANY filed a cancellation notice (effective Nov 12, 2024)L&I to May 14, 2026
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Nov 12, 2023SENTRY SELECT INSURANCE COMPANYLiability · $750,000 · ended Nov 12, 2024 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 20, 2023PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended Nov 12, 2023 · replaced by another insurer2 months in forceL&I to May 14, 2026
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Aug 24, 2023FMCSA revocation notice for the operating authority, dropped Sep 13, 2023opened after PROGRESSIVE NORTHERN INSURANCE COMPANY filed a cancellation notice (effective Sep 20, 2023)L&I to May 14, 2026
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Aug 4, 2023PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended Sep 20, 2023 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Jul 10, 2023FMCSA revocation notice for the operating authority, dropped Aug 2, 2023opened after PROGRESSIVE NORTHERN INSURANCE COMPANY filed a cancellation notice (effective Aug 4, 2023)L&I to May 14, 2026
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Nov 12, 2022PROGRESSIVE NORTHERN INSURANCE COMPANYLiability · $750,000 · ended Aug 4, 2023 · cancellation notice took effect9 months in forceL&I to May 14, 2026
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Nov 12, 2021NATIONAL CONTINENTAL INSURANCE CO.Liability · $1,000,000 · ended Nov 12, 2022 · replaced by another insurer12 months in forceL&I to May 14, 2026
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Oct 18, 2021FMCSA revocation notice for the operating authority, dropped Nov 12, 2021opened after NATIONAL CONTINENTAL INSURANCE CO. filed a cancellation notice (effective Nov 12, 2021)L&I to May 14, 2026
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Jul 23, 2021NATIONAL CONTINENTAL INSURANCE CO.Liability · $1,000,000 · ended Nov 12, 2021 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Jul 2, 2021NATIONAL CONTINENTAL INSURANCE CO.Liability · $1,000,000 · ended Jul 23, 2021 · cancellation notice took effect1 month in forceL&I to May 14, 2026
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Jul 2, 2021FMCSA revocation notice for the operating authority, dropped Jul 9, 2021opened after NATIONAL CONTINENTAL INSURANCE CO. filed a cancellation notice (effective Jul 2, 2021)L&I to May 14, 2026
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Jun 7, 2021FMCSA revocation notice for the operating authority, dropped Jun 11, 2021opened after NATIONAL CONTINENTAL INSURANCE CO. filed a cancellation notice (effective Jul 2, 2021)L&I to May 14, 2026
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Feb 19, 2021NATIONAL CONTINENTAL INSURANCE CO.Liability · $1,000,000 · ended Jul 2, 2021 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Jan 25, 2021FMCSA revocation notice for the operating authority, dropped Feb 8, 2021opened after NATIONAL CONTINENTAL INSURANCE CO. filed a cancellation notice (effective Jan 19, 2021)L&I to May 14, 2026
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Jan 19, 2021NATIONAL CONTINENTAL INSURANCE CO.Liability · $1,000,000 · ended Feb 19, 2021 · cancellation notice took effect1 month 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
- Tennessee 11
- Ohio 10
- Illinois 8
- Missouri 7
- Montana 6
- South Dakota 6
- Alabama 5
- Arkansas 5
Runs well beyond its home state: 3 of 127 inspections were in Iowa.
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 (69 power units: 6 filed, 69 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
3.5
Actual, per year in window
3.3
Projected, next 12 mo
3.3
0
2
4
We'd expect a typical fleet of 69 power units this active to have about 3.5 crashes a year (sized from the 69 units seen roadside; 6 filed). This motor carrier recorded 10 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 3.3 a year). Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 3.3 over the next 12. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.3× the injury/fatal weight of a typical crash.
Fatal-crash risk: about 9% 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:
124 inspections
and 10 crashes.
The FMCSA record tables now hold 126 inspections and 6 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
- 1 inspection with no out-of-service result
Confidence: Moderate · Z = 0.46
Marginal — 0.94x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.051 crashes per power-unit-year for a 69-unit for-hire fleet (pu50_99). Violations 1.09x (driver behaviour 1.74x, out-of-service 0.97x, all violations 1.41x; 124 inspections). Experience 0.87x: 4.1 decayed crashes against 5.9 expected over 36 months (credibility 0.46, a 6.96). 80% range 0.59–1.34x. Fleet sized at 69 units from roadside VINs (6 filed). Capped at Marginal: current FMCSA Unsatisfactory or Conditional rating. Last change: no change since the last run.
No change since the previous weekly run.
Scoring flags
MCS-150 mileage unreliable (mileage is not in 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
5.1 crashes per 100 power-unit-years
69 power units (6 filed, 69 seen roadside) · 3.49 expected crashes a year
Violation relativity
1.09×
124 inspections in window
Crash experience
0.87×
4.1 decayed crashes vs 5.9 expected · credibility 0.46
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 0.94× (80% range 0.59–1.34×)
· band Satisfactory → displayed 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
127
Driver Insp
127
Driver OOS
2
Vehicle Insp
73
Vehicle OOS
21
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 20 | 8.26 | |
| HOS Compliance | 12 | 0.21 | |
| Driver Fitness | 3 | 0.24 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 46 | 8.19 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-JAN-25 – 31-MAY-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.