S&J PREMIUM INC
FMCSA Live Status
Fleet & equipment
- Power units
- 5
- Drivers · CDL
- 5 · 5
- Annual miles
- 645k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 5 | 0 | 0 | 5 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Registered
- 01-07-2021 (5 yrs)
- MCS-150 Update
- 08-19-2025
- FRED Score Date
- Nov 07, 2026
- Officer
- ZULMA QUINTERO
- Officer
- JOSELAYNE ARTEAGA ORDAZ
Cargo
- High-Risk Cargo
- 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.
Not enough record to grade yet.
16 inspections and 1 crash on the FMCSA record in 24 months fit anything from an Excellent fleet to a Poor one.
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.
A record this thin can't pin that down: about a 1-in-6 chance it runs at Poor-level crash rates.
Worth a closer look
From the FMCSA record. The estimate already counts the safety items; insurance filings and links to other motor carriers are context only.
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Injury crashes1 crash with 1 person hurt in 24 months.Ask: claim status and driver history for these crashes.
- No FMCSA BASIC alerts.
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Dangerous driving: 3
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.200 | 0.039 |
| Inspections | 2.20 | 1.41 |
| Violations | 1.40 | 1.44 |
| Critical violations | 0.50 | 0.26 |
Yearly rates from the last 24 months. Peers: Small (advisory) power units, medium-risk cargo.
What they get cited for
14 violations · 24 months-
Unsafe driving No alert7 · 0 OOSReckless / lane 3 · Speeding 2 · Seat belt 1 · Other 1
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Vehicle maintenance No alert4 · 2 OOSTires 2 · Cargo securement 1 · Other parts 1
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Hours of service No alert2 · 1 OOSLogbook / ELD paperwork 1 · No log 1
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Driver fitness No alert1 · 0 OOSEnglish proficiency 1
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Apr82025TennesseeInjury · 1 person hurtDark - not lighted, two-way trafficway divided positive barrier.
No other reportable crashes on the FMCSA record.
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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$750,000 · BENCHMARK SPECIALTY INSURANCE CO.on record since Oct 31, 2025 · FMCSA minimum $750,000 · no gap on FMCSA's record since Apr 2022A cancellation notice effective Jun 2, 2026 was on file at May 14, 2026; whether it took effect is not in FMCSA's frozen record — see the live check.
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 4 liability insurers on FMCSA's record, 3 changes: CIRCLE STAR INSURANCE CO., A R R G → BENCHMARK SPECIALTY INSURANCE CO. (Oct 2025); CANAL INSURANCE CO. → CIRCLE STAR INSURANCE CO., A R R G (Oct 2024); PROGRESSIVE HAWAII INSURANCE CORP → CANAL INSURANCE CO. (Oct 2023)
- 4 cancellation notices filed by insurers; 2 took effect (the last Oct 31, 2025, replaced the same day); 2 replaced before they took effect
- No gap in filed liability coverage while liability was required
- FMCSA notices resolved in time: 4
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Oct 16, 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
9 filings and 9 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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Oct 31, 2025BENCHMARK SPECIALTY INSURANCE CO.Liability · $750,000 · on file at May 14, 2026 · cancellation notice effective Jun 2, 2026 on file at May 14, 2026 (outcome not in FMCSA's frozen record)6 months in forceL&I to May 14, 2026
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Oct 6, 2025FMCSA revocation notice for the operating authority, dropped Oct 16, 2025opened after CIRCLE STAR INSURANCE CO., A R R G filed a cancellation notice (effective Oct 31, 2025)L&I to May 14, 2026
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Dec 13, 2024CIRCLE STAR INSURANCE CO., A R R GLiability · $750,000 · ended Oct 31, 2025 · cancellation notice took effect11 months in forceL&I to May 14, 2026
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Dec 13, 2024FMCSA revocation notice for the operating authority, dropped Dec 16, 2024opened after CIRCLE STAR INSURANCE CO., A R R G filed a cancellation notice (effective Jan 9, 2025)L&I to May 14, 2026
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Oct 31, 2024CIRCLE STAR INSURANCE CO., A R R GLiability · $750,000 · ended Dec 13, 2024 · superseded by the same policya cancellation notice effective Jan 9, 2025 came after the replacement; 1 month in forceL&I to May 14, 2026
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Oct 4, 2024FMCSA revocation notice for the operating authority, dropped Oct 30, 2024opened after CANAL INSURANCE CO. filed a cancellation notice (effective Oct 31, 2024)L&I to May 14, 2026
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Oct 31, 2023CANAL INSURANCE CO.Liability · $750,000 · ended Oct 31, 2024 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Oct 6, 2023FMCSA revocation notice for the operating authority, dropped Nov 1, 2023opened after PROGRESSIVE HAWAII INSURANCE CORP filed a cancellation notice (effective Nov 2, 2023)L&I to May 14, 2026
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Apr 4, 2023PROGRESSIVE HAWAII INSURANCE CORPLiability · $750,000 · ended Oct 31, 2023 · replaced by another insurera cancellation notice effective Nov 2, 2023 came after the replacement; 7 months in forceL&I to May 14, 2026
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Mar 10, 2023FMCSA revocation notice for the operating authority, dropped Apr 6, 2023opened after KNIGHT SPECIALTY INSURANCE COMPANY filed a cancellation notice (effective Apr 6, 2023)L&I to May 14, 2026
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Dec 30, 2022KNIGHT SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Apr 6, 2023 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jul 27, 2022KNIGHT SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Dec 30, 2022 · superseded by the same policya cancellation notice effective Jan 31, 2023 came after the replacement; 5 months in forceL&I to May 14, 2026
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Apr 6, 2022KNIGHT SPECIALTY INSURANCE COMPANYLiability · $750,000 · ended Jul 27, 2022 · superseded by the same policya cancellation notice effective Aug 25, 2022 came after the replacement; 4 months in forceL&I to May 14, 2026
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Mar 7, 2022FMCSA revocation notice for the operating authority, dropped Apr 8, 2022cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Oct 21, 2021FMCSA revocation notice for the operating authority, dropped Nov 17, 2021cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Aug 19, 2021FMCSA revocation notice for the operating authority, dropped Aug 20, 2021opened after AMTRUST INSURANCE COMPANY filed a cancellation notice (effective Sep 15, 2021)L&I to May 14, 2026
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Apr 12, 2021Operating authority grantedL&I to May 14, 2026
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Apr 1, 2021AMTRUST INSURANCE COMPANYLiability · $750,000 · ended Sep 15, 2021 · cancellation notice took effecta cancellation notice effective Apr 1, 2022 came after the replacement; 5 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
- Tennessee (HQ) 9
- Georgia 5
- Kentucky 2
How the estimate 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 (12 power units: 5 filed, 12 seen roadside in 24 months).
We'd expect a typical fleet of 12 power units this active to have about 0.6 crashes a year (sized from the 12 units seen roadside; 5 filed). This motor carrier recorded 2 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 0.7 a year). Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.6 over the next 12. When this motor carrier does crash, those crashes tend to be substantially more severe than average — roughly 3.4× the injury/fatal weight of a typical crash.
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 | 6 | 13.89 | |
| HOS Compliance | 2 | 0.75 | |
| Driver Fitness | 1 | 0.13 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 3 | 6.60 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 30-MAY-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.