STEPHEN CARGO & MORE LLC
FMCSA Live Status
Fleet & equipment
- Power units
- 2
- Drivers · CDL
- 2 · 2
- Annual miles
- 1 unreliable
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 1 | 0 | 0 | 1 |
| Tractors | 0 | 0 | 0 | 0 |
| Trailers | 0 | 0 | 0 | 0 |
Registration
- Registered
- 03-14-2024 (2 yrs)
- MCS-150 Update
- 03-27-2026
- FRED Score Date
- Nov 07, 2026
- Officer
- OSCAR S. VALERIO ALMONTE
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.
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).
FMCSA suspended it for insurance: no liability filing meeting the FMCSA minimum on file. FMCSA's new registration system launched May 14, 2026 and has recorded some insurance suspensions and requirement changes in error; confirm with the insurer or motor carrier before acting.
Expected crash rate is about 23% higher than similar fleets.
Similar fleets: interstate fleets of about 2 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
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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Authority was suspended for insuranceFMCSA suspended the operating authority on Aug 1, 2026 (no liability filing meeting the FMCSA minimum on file) and reinstated it on Aug 20, 2026. Not in the grade.Ask: what covered the fleet between Aug 1, 2026 and Aug 20, 2026, and who ended the policy and why.
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Drivers put out of service3 out-of-service violations against drivers: 2 hours of service, 1 no valid CDL (Jul 2025 – Jul 2026).Ask: driver supervision and dispatch practices.
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Driver out-of-service rate18.8% of driver inspections end out of service vs 6.7% nationally (3 of 16).
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Unsafe drivingCited 3 for phone use.Ask: telematics, speed governance and phone policy.
- 1 crash in 24 months. No injuries, no fatalities.
- No FMCSA BASIC alerts.
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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.
Track record
Inspected more often than interstate fleets of 2–5 trucks in Pennsylvania (about 2 in 24 months would be typical; 34% of them had none).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.250 | 0.043 |
| Inspections | 4.50 | 1.58 |
| Violations | 5.00 | 1.56 |
| Critical violations | 1.50 | 0.29 |
Yearly rates from the last 24 months. Peers: interstate fleets, Small (advisory) power units, medium-risk cargo.
What they get cited for
20 violations · 24 months-
Vehicle maintenance No alert10 · 1 OOSLights 4 · Brakes 2 · Tires 1 · Other parts 3
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Unsafe driving No alert5 · 0 OOSPhone use 3 · Seat belt 2
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Driver fitness No alert3 · 1 OOSEnglish proficiency 1 · Medical certificate 1 · No valid CDL 1
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Hours of service No alert2 · 2 OOSNo log 2
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Feb172026PennsylvaniaProperty damage onlyDaylight.
No other reportable crashes on the FMCSA record.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026- Liability (BIPD)
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$750,000 · Agency Insurance Company of Maryland, Incon record since Oct 5, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Aug 2026
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- 5 liability insurers on FMCSA's record, 4 changes: Accredited Specialty Insurance Company → Agency Insurance Company of Maryland, Inc (Aug 2026); SOUTHWIND RISK RETENTION GROUP INC → Accredited Specialty Insurance Company (Mar 2026); AGENCY INSURANCE COMPANY OF MARYLAND, INC → SOUTHWIND RISK RETENTION GROUP INC (Sep 2025)
- 10 cancellation notices filed by insurers; 5 took effect (the last May 15, 2026, replaced 82 days later); 5 replaced before they took effect
- 82 days without a liability filing (May 15, 2026 – Aug 5, 2026) while the authority required one; a later back-dated filing can close a lapse
- FMCSA suspended the operating authority Aug 1, 2026: no liability filing meeting the FMCSA minimum on file; reinstated Aug 20, 2026. FMCSA's new registration system launched May 14, 2026 and has recorded some insurance suspensions and requirement changes in error; confirm with the insurer or motor carrier before acting.
- FMCSA notices resolved in time: 4
Operating authority active (FMCSA's new registration system, status since Aug 20, 2026)
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
13 filings and 7 authority events since 2024 · FMCSA record through Nov 2, 2026
Newest first. Insurer names as filed. FMCSA does not publish why a filing was cancelled.
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Oct 5, 2026Agency Insurance Company of Maryland, IncLiability · $750,000 · on fileFMCSA's new system
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Aug 20, 2026Operating authority reinstatedFMCSA's new system
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Aug 5, 2026Agency Insurance Company of Maryland, IncLiability · $750,000 · ended Oct 16, 2026 · superseded by the same policy2 months in forceFMCSA's new system
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Aug 1, 2026Operating authority suspended: no insurance filing meeting the FMCSA minimum on fileFMCSA's new system
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Mar 26, 2026Accredited Specialty Insurance CompanyLiability · $750,000 · ended May 15, 2026 · cancellation notice took effect2 months in forceFMCSA's new system
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Feb 27, 2026FMCSA revocation notice for the operating authority, dropped Mar 30, 2026opened after BULLDOG NATIONAL RRG GROUP INC filed a cancellation notice (effective Mar 12, 2026)L&I to May 14, 2026
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Jan 2, 2026SOUTHWIND RISK RETENTION GROUP INC (risk retention group)Liability · $750,000 · ended Mar 26, 2026 · cancellation notice took effect3 months in forceL&I to May 14, 2026
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Jan 2, 2026BULLDOG NATIONAL RRG GROUP INC (risk retention group)Liability · $750,000 · ended Mar 12, 2026 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Dec 8, 2025FMCSA revocation notice for the operating authority, dropped Jan 6, 2026opened after SOUTHWIND RISK RETENTION GROUP INC filed a cancellation notice (effective Jan 2, 2026)L&I to May 14, 2026
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Sep 10, 2025SOUTHWIND RISK RETENTION GROUP INC (risk retention group)Liability · $750,000 · ended Jan 2, 2026 · cancellation notice took effect4 months in forceL&I to May 14, 2026
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Aug 22, 2025FMCSA revocation notice for the operating authority, dropped Sep 10, 2025opened after AGENCY INSURANCE COMPANY OF MARYLAND, INC filed a cancellation notice (effective Aug 18, 2025)L&I to May 14, 2026
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Aug 15, 2025AGENCY INSURANCE COMPANY OF MARYLAND, INCLiability · $1,000,000 · ended Sep 10, 2025 · replaced by another insurera cancellation notice effective Sep 18, 2025 came after the replacement; 1 month in forceL&I to May 14, 2026
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Jul 22, 2025FMCSA revocation notice for the operating authority, dropped Aug 19, 2025opened after AGENCY INSURANCE COMPANY OF MARYLAND, INC filed a cancellation notice (effective Jul 17, 2025)L&I to May 14, 2026
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Jun 13, 2025AGENCY INSURANCE COMPANY OF MARYLAND, INCLiability · $1,000,000 · ended Aug 18, 2025 · cancellation notice took effect2 months in forceL&I to May 14, 2026
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Feb 19, 2025AGENCY INSURANCE COMPANY OF MARYLAND, INCLiability · $1,000,000 · ended Jun 13, 2025 · superseded by the same policya cancellation notice effective Jul 17, 2025 came after the replacement; 4 months in forceL&I to May 14, 2026
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Dec 17, 2024AGENCY INSURANCE COMPANY OF MARYLAND, INCLiability · $1,000,000 · ended Feb 19, 2025 · superseded by the same policya cancellation notice effective Mar 20, 2025 came after the replacement; 2 months in forceL&I to May 14, 2026
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Sep 11, 2024UNDERWRITERS AT LLOYDS LONDONCargo · ended Sep 11, 2025 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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Sep 10, 2024AGENCY INSURANCE COMPANY OF MARYLAND, INCLiability · $1,000,000 · ended Dec 17, 2024 · superseded by the same policya cancellation notice effective Jan 17, 2025 came after the replacement; 3 months in forceL&I to May 14, 2026
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Apr 19, 2024Operating authority grantedL&I to May 14, 2026
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Apr 16, 2024UNITED FINANCIAL CASUALTY COMPANYLiability · $750,000 · ended Sep 10, 2024 · replaced by another insurera cancellation notice effective Oct 11, 2024 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
- Pennsylvania (HQ) 9
- Connecticut 1
- Georgia 1
- Maryland 1
- New York 1
- Ohio 1
- South Carolina 1
- West Virginia 1
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 (small).
We'd expect a typical fleet of this size this active to have about 0.3 crashes a year. This motor carrier recorded 1 in its scoring window (Aug 1, 2025 → Jul 31, 2026) — about 3.6× a typical fleet. Factoring in its inspection and violation record inside that window, the model projects about 0.3 over the next 12 — about 1.2× the 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.
- Out-of-service inspection Jul 28, 2025 · PA · level 3 · 1 driver OOS · 4 violations
- 4 further inspections with no out-of-service result
- 2 inspections with no out-of-service result — not yet scored
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 | 5 | 64.00 | |
| HOS Compliance | 2 | 0.93 | |
| Driver Fitness | 2 | 0.26 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 4 | 4.84 |
SMS record data is sourced from FMCSA's Safety Measurement System (05-AUG-25 – 31-AUG-26) and may cover a different time window than the scoring window used for the FRED grade (Aug 1, 2025 → Jul 31, 2026). Counts here may differ from the grade's in-window counts.