NARO ENTERPRISES INC
(570) 842-9273
tnaro@narotrucking.com
500 Scranton Pocono Highway, Covington Township PA 18444
57
tractors
57 drivers
3.7M mi/yr · ~64k per unit
Satisfactory
FRED Score 69.0 / 100
Moderate confidence
52 yrs history · 58 roadside inspections
FMCSA Live Status
Checking FMCSA…
Fleet & equipment
- Power units
- 57
- Drivers · CDL
- 57 · 57
- Annual miles
- 3.7M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 0 | 0 | 0 | 0 |
| Tractors | 30 | 27 | 0 | 57 |
| Trailers | 273 | 3 | 0 | 276 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (01-22-2003) · 23 yr old
- Registered
- 06-01-1974 (52 yrs)
- MCS-150 Update
- 04-20-2026 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- ANTHONY D NARO
- Officer
- ANTHONY D NARO
Cargo
61.2
medium risk
Household Goods
Metal: Sheets/Coils/Rolls
Intermodal Containers
Oilfield Equipment
Meat
Refrigerated Food
General Freight
Logs/Poles/Beams/Lumber
Building Materials
Fresh Produce
Beverages
Other: GENERAL COMMODITIES
Construction
- High-Risk Cargo
- Oilfield Equipment, General Freight, Household Goods, 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 70% chance), but the record is too thin to say by how much.
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 0.83×
ExcellentStrongSatisf.SatisfactoryMarginalPoorCritical
▲ Similar fleets 1.0×
Expected crashes, next 12 months
1.6 vs 2.0 for similar fleets
Likely 0–4 crashes
This motor carrier
1.6
Similar fleets
2.0
Chance of a fatal crash, next 12 months
~4%
About typical for similar fleets.
What's driving the grade
Crash history
betterworse
About typical. 3 crashes on the FMCSA record in 24 months (about 1.5 a year), including 2 with injuries; similar fleets have about 2 a year. The grade counts 7 crashes in its 36-month scoring window, recent ones weighted most.
Roadside inspections
betterworse
Better than peers. Violations 0.56×, unsafe-driving and hours-of-service violations 0.61× and out-of-service orders 0.64× the rate expected for its inspections. Together they move its crash estimate -13%: roadside results weigh far less than crash history.
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 crashes2 crashes with 4 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Driver qualification2 out-of-service violations against drivers: 2 no valid CDL (May 2025 – Sep 2026).Ask: driver qualification files and hiring standards.
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Brakes and lightsBrakes are 24 of 43 violations (56%). Brake or light defects led to 6 out-of-service orders.Ask: the preventive-maintenance schedule and shop records.
Strengths
- Vehicle out-of-service rate 15.8% vs 22.3% national; driver 3.4% vs 6.7%.
- No FMCSA BASIC alerts.
Data flags
-
High speeding: 5
Track record
FMCSA record, Oct 2024 – Sep 2026
· grade scored on Sep 1, 2023 → Sep 30, 2026
Crashes
3
0 fatalities · 4 injuries · 0 tow-aways
Inspections
58
55% clean (no violations)
Vehicle out-of-service
15.8%
6 of 38
National avg 22.3%
Driver out-of-service
3.4%
2 of 58
National avg 6.7%
Violations
43
10 out-of-service
Inspections per quarter
With an out-of-service order
vs 4,520 peer fleets
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.026 | 0.025 |
| Inspections | 0.91 | 0.91 |
| Violations | 0.38 | 0.53 |
| Critical violations | 0.05 | 0.11 |
Yearly rates from the last 24 months. Peers: 50–99 power units, medium-risk cargo.
What they get cited for
43 violations · 24 months-
Vehicle maintenance No alert33 · 8 OOSBrakes 24 · Lights 6 · Wheels & hubs 2 · Tires 1
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Unsafe driving No alert6 · 0 OOSSpeeding 5 · Reckless / lane 1
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Driver fitness No alert3 · 2 OOSNo valid CDL 2 · Medical certificate 1
-
Hours of service No alert1 · 0 OOSLogbook / ELD paperwork 1
-
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-
May292026New JerseyInjury · 3 people hurtDaylight, two-way trafficway divided unprotected median.
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Jun182025PennsylvaniaInjury · 1 person hurtDaylight.
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Feb182025PennsylvaniaProperty damage onlyDawn.
2 of the 3 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 · CANAL INSURANCE CO.on record since Jun 29, 2024 · FMCSA minimum $750,000 · no gap on FMCSA's record since Mar 1991
- 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
- 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 Jun 8, 2021)
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
25 filings and 12 authority events since 1979 · FMCSA record through May 14, 2026
Every insurance filing on the FMCSA record
25 filings and 12 authority events since 1979 · 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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Jun 29, 2024CANAL INSURANCE CO.Liability · $750,000 · on fileMC 138836 · L&I to May 14, 2026
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Jun 29, 2022CANAL INSURANCE CO.Liability · $750,000 · ended Jun 29, 2024 · replaced by the same insurer (renewal)24 months in forceMC 138836 · L&I to May 14, 2026
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Apr 29, 2021FMCSA revocation notice for the operating authority, dropped Jun 8, 2021cause not stated in FMCSA's older recordsMC 138836 · L&I to May 14, 2026
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Jun 29, 2018CANAL INSURANCE CO.Liability · $750,000 · ended Jun 29, 2022 · replaced by the same insurer (renewal)48 months in forceMC 138836 · L&I to May 14, 2026
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Jun 4, 2018FMCSA revocation notice for the operating authority, dropped Jun 19, 2018opened after NORTHLAND INSURANCE COMPANY filed a cancellation notice (effective Jun 29, 2018)MC 138836 · L&I to May 14, 2026
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Jun 27, 2010TRAVELERS PROPERTY CASUALTY CO. OF AMERICACargo · ended Jul 23, 2015 · cancellation notice took effect61 months in forceMC 138836 · L&I to May 14, 2026
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Jun 29, 2008NORTHLAND INSURANCE COMPANYLiability · $750,000 · ended Jun 29, 2018 · cancellation notice took effect120 months in forceMC 138836 · L&I to May 14, 2026
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Jun 27, 2008HARTFORD FIRE INSURANCE COMPANYCargo · ended Jun 27, 2010 · replaced by another insurer24 months in forceMC 138836 · L&I to May 14, 2026
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Jun 4, 2008FMCSA revocation notice for the operating authority, dropped Jun 30, 2008opened after WESTPORT INSURANCE CORPORATION filed a cancellation notice (effective Jul 1, 2008)MC 138836 · L&I to May 14, 2026
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Apr 17, 2008GREAT AMERICAN INSURANCE COMPANY OF NEW YORKCargo · ended Jun 1, 2008 · cancellation notice took effect1 month in forceMC 138836 · L&I to May 14, 2026
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Apr 17, 2008GREAT AMERICAN INSURANCE COMPANY OF NEW YORKCargo · ended Jun 27, 2008 · replaced by another insurer2 months in forceMC 138836 · L&I to May 14, 2026
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Jun 29, 2007WESTPORT INSURANCE CORPORATIONLiability · $750,000 · ended Jun 29, 2008 · replaced by another insurera cancellation notice effective Jul 1, 2008 came after the replacement; 12 months in forceMC 138836 · L&I to May 14, 2026
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Jun 4, 2007FMCSA revocation notice for the operating authority, dropped Jun 28, 2007opened after COMMERCE PROTECTIVE INSURANCE COMPANY filed a cancellation notice (effective Jun 29, 2007)MC 138836 · L&I to May 14, 2026
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Apr 17, 2007FIREMAN'S FUND INSURANCE CO.Cargo · ended Apr 17, 2008 · replaced by another insurer12 months in forceMC 138836 · L&I to May 14, 2026
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Apr 17, 2007COMMERCE PROTECTIVE INSURANCE COMPANYLiability · $750,000 · ended Jun 29, 2007 · cancellation notice took effect2 months in forceMC 138836 · L&I to May 14, 2026
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Mar 21, 2007FMCSA revocation notice for the operating authority, dropped Apr 17, 2007opened after COMMERCE PROTECTIVE INSURANCE COMPANY filed a cancellation notice (effective Apr 17, 2007)MC 138836 · L&I to May 14, 2026
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Jun 27, 2006COMMERCE PROTECTIVE INSURANCE COMPANYLiability · $750,000 · ended Apr 17, 2007 · cancellation notice took effect10 months in forceMC 138836 · L&I to May 14, 2026
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May 31, 2006FMCSA revocation notice for the operating authority, dropped Jun 21, 2006opened after COMMERCE PROTECTIVE INSURANCE COMPANY filed a cancellation notice (effective Jun 27, 2006)MC 138836 · L&I to May 14, 2026
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Apr 17, 2006COMMERCE PROTECTIVE INSURANCE COMPANYLiability · $1,000,000 · ended Jun 27, 2006 · cancellation notice took effect2 months in forceMC 138836 · L&I to May 14, 2026
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Mar 21, 2006FMCSA revocation notice for the operating authority, dropped Apr 12, 2006opened after COMMERCE PROTECTIVE INSURANCE COMPANY filed a cancellation notice (effective Apr 17, 2006)MC 138836 · L&I to May 14, 2026
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Apr 17, 2005COMMERCE PROTECTIVE INSURANCE COMPANYLiability · $1,000,000 · ended Apr 17, 2006 · cancellation notice took effect12 months in forceMC 138836 · L&I to May 14, 2026
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Mar 21, 2005FMCSA revocation notice for the operating authority, dropped Apr 13, 2005opened after COMMERCE PROTECTIVE INSURANCE COMPANY filed a cancellation notice (effective Apr 17, 2005)MC 138836 · L&I to May 14, 2026
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Sep 7, 2004COMMERCE PROTECTIVE INSURANCE COMPANYLiability · $1,000,000 · ended Apr 17, 2005 · cancellation notice took effect7 months in forceMC 138836 · L&I to May 14, 2026
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Aug 11, 2004FMCSA revocation notice for the operating authority, dropped Aug 20, 2004opened after COMMERCE PROTECTIVE INSURANCE COMPANY filed a cancellation notice (effective Sep 7, 2004)MC 138836 · L&I to May 14, 2026
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Apr 17, 2004GREAT AMERICAN ASSURANCE COMPANYCargo · ended Apr 17, 2007 · replaced by another insurer36 months in forceMC 138836 · L&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
- New York 29
- Pennsylvania (HQ) 13
- New Jersey 9
- Maryland 5
- Kentucky 1
- Federal inspectors 1
22% 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 (57 power units: 57 filed, 35 seen roadside in 24 months).
Crash Outlook vs Peer Fleet
crashes per year · same scale
Average peer fleet
2.0
Actual, per year in window
2.3
Projected, next 12 mo
1.6
0
1.5
3
We'd expect a typical fleet of 57 power units this active to have about 2.0 crashes a year. This motor carrier recorded 7 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.3 a year) — about 1.2× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 1.6 over the next 12 — below a typical fleet. 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 4% 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:
59 inspections
and 7 crashes.
The FMCSA record tables now hold 58 inspections and 3 crashes in that window — the SMS data moved after this grade was computed.
Confidence: Moderate · Z = 0.49
Satisfactory — 0.83x its class rate (cuts: Excellent <0.60, Strong <0.76, Satisfactory <1.06, Marginal <1.57, Poor <2.11). Class rate 0.034 crashes per power-unit-year for a 57-unit for-hire fleet (pu50_99). Violations 0.87x (driver behaviour 0.61x, out-of-service 0.64x, all violations 0.56x; 59 inspections). Experience 0.95x: 2.4 decayed crashes against 2.6 expected over 36 months (credibility 0.49, a 2.78). 80% range 0.40–1.33x. 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
3.4 crashes per 100 power-unit-years
57 power units · 1.96 expected crashes a year
Violation relativity
0.87×
59 inspections in window
Crash experience
0.95×
2.4 decayed crashes vs 2.6 expected · credibility 0.49
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 0.83× (80% range 0.40–1.33×)
· band Satisfactory
· 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
58
Driver Insp
58
Driver OOS
2
Vehicle Insp
38
Vehicle OOS
6
| BASIC | Insp w/ Viol | Measure | Alert |
|---|---|---|---|
| Unsafe Driving | 6 | 0.95 | |
| HOS Compliance | 1 | 0.16 | |
| Driver Fitness | 3 | 0.36 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 19 | 3.49 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-NOV-24 – 31-MAR-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.