STEWART HOME SCHOOL INC
DBA: STEWART HOME & SCHOOL LLC
FMCSA Live Status
Fleet & equipment
- Power units
- 1
- Drivers · CDL
- 6 · 6
- Annual miles
- 7,777 unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Registered
- 02-04-2020 (6 yrs)
- MCS-150 Update
- 03-04-2026
- FRED Score Date
- Nov 07, 2026
- Officer
- JOHN D. STEWART, M.D.
- Officer
- CHARLES W. STEWART
Cargo
Estimated from the commodity types reported to FMCSA, not from loss history or the true cargo mix.
Not graded: passenger operation. The FRED Score is a property-carrier model; a passenger model is a separate study.
MCS-150 annual mileage appears too low for fleet size given observed activity. 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).
Worth a closer look
From the FMCSA record.
- Nothing on the FMCSA record stands out.
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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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Estimated mileageNo usable mileage was reported, so exposure was estimated from similar motor carriers. Mileage-based metrics here are approximate.
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Limited inspection historyFewer than 5 roadside inspections on record, so there isn't enough data to score this motor carrier with high confidence — the score leans more on peers.
Track record
Inspected about as often as interstate fleets of 1 truck in Kentucky (about 1 in 24 months would be typical; 58% of them had none).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.000 | 0.055 |
| Inspections | 0.50 | 2.39 |
| Violations | 0.50 | 2.15 |
| Critical violations | 0.00 | 0.42 |
Yearly rates from the last 24 months. Peers: interstate fleets, Owner-Operator power units, medium-risk cargo.
What they get cited for
1 violation · 24 months-
Vehicle maintenance No alert1 · 0 OOSOther parts 1
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Unsafe driving No alert0
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Hours of service 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 May 14, 2026 · no change recorded by FMCSA since- Last on FMCSA's record (May 14, 2026)
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primary $1,000,000 + excess $4,000,000 (total $5,000,000) · PHILADELPHIA INDEMNITY INSURANCE COMPANYon record since Dec 31, 2024 · FMCSA minimum $5,000,000 · no gap on FMCSA's record since Oct 2021
- 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
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
8 filings and 0 authority events since 2021 · 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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Dec 31, 2024PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · on fileL&I to May 14, 2026
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Dec 31, 2024PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability · $1,000,000 · on fileL&I to May 14, 2026
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Dec 31, 2023PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · ended Dec 31, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Dec 31, 2023PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability · $1,000,000 · ended Dec 31, 2024 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Dec 31, 2022PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · ended Dec 31, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Dec 31, 2022PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability · $1,000,000 · ended Dec 31, 2023 · replaced by the same insurer (renewal)12 months in forceL&I to May 14, 2026
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Oct 1, 2021PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability · $1,000,000 · ended Dec 31, 2022 · replaced by the same insurer (renewal)15 months in forceL&I to May 14, 2026
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Oct 1, 2021PHILADELPHIA INDEMNITY INSURANCE COMPANYLiability (excess) · $4,000,000 over $1,000,000 · ended Dec 31, 2022 · replaced by the same insurer (renewal)15 months 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
- Kentucky (HQ) 1
How this grade is calculated
The model, its inputs, the window it scored and its confidence. For actuaries and anyone checking the work.
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 | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 1 | 4.00 |
SMS record data is sourced from FMCSA's Safety Measurement System (06-JUN-25 – 06-JUN-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.