GARNER FAMILY ENTERPRISES INC
DBA: GARNERS
FMCSA Live Status
Fleet & equipment
- Power units
- 34
- Drivers · CDL
- 21 · 12
- Annual miles
- 1.5M
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 31 | 0 | 0 | 31 |
| Tractors | 3 | 0 | 0 | 3 |
| Trailers | 5 | 0 | 0 | 5 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (03-05-2021) · 5 yr old
- Registered
- 06-01-1994 (32 yrs)
- MCS-150 Update
- 02-20-2025 (Biennial Update)
- FRED Score Date
- Nov 08, 2026
- Officer
- JAMEY GARNER
- Officer
- TINA BLAND
Cargo
- High-Risk Cargo
- Motor Vehicles, Drive/Tow Away, Mobile Homes, Machinery Large, 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.
Expected crash rate is probably higher than similar fleets (about a 70% chance), but the record is too thin to say by how much.
Similar fleets: interstate fleets of 20–49 trucks with the same kind of operation, years in business and amount of road activity. Compared using its own crash record and roadside inspections.
Per truck, fleets like this one are expected to crash about 0.6× as often as the median active fleet of 20–49 trucks.
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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Fatal crash1 crash with 1 fatality in 24 months (most recent Oct 20, 2024).Ask: the accident register and loss runs for these crashes.
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Injury crashes2 crashes with 3 people hurt in 24 months.Ask: claim status and driver history for these crashes.
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Drivers put out of service3 out-of-service violations against drivers: 1 medical certificate, 1 hours of service, 1 no valid CDL (Dec 2024 – Jun 2026).Ask: driver supervision and dispatch practices.
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Driver out-of-service rate23.1% of driver inspections end out of service vs 6.7% nationally (3 of 13). Across all its inspections, out-of-service orders run 1.97× what's expected for where and how it's inspected.
- No FMCSA BASIC alerts.
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Dangerous driving: 2
Track record
Inspected less often than interstate fleets of 20–49 trucks in Indiana (about 37 in 24 months would be typical).
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.029 | 0.028 |
| Inspections | 0.24 | 0.77 |
| Violations | 0.25 | 0.45 |
| Critical violations | 0.04 | 0.10 |
Yearly rates from the last 24 months. Peers: interstate fleets, 20–49 power units, high-risk cargo.
What they get cited for
17 violations · 24 months-
Vehicle maintenance No alert8 · 3 OOSLights 4 · Brakes 1 · Tires 1 · Other parts 2
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Unsafe driving No alert6 · 0 OOSReckless / lane 3 · Speeding 3
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Driver fitness No alert2 · 2 OOSMedical certificate 1 · No valid CDL 1
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Hours of service No alert1 · 1 OOSNo log 1
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Drugs & alcohol No alert0
Violations by quarter
Tap a category to show or hide itCrashes
24 months-
Mar312026IndianaInjury · 1 person hurtWet road, daylight, two-way trafficway divided unprotected median.
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Mar222026IndianaInjury · 2 people hurtDark - lighted.
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Oct202024IllinoisFatal · 1 deathDark - not lighted, two-way trafficway divided unprotected median.
1 of the 3 crashes was fatal.
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 since- Last on FMCSA's record (May 14, 2026)
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$1,000,000 · EMPLOYERS MUTUAL CASUALTY CO.on record since Apr 1, 2019 · FMCSA minimum $1,000,000 · no gap on FMCSA's record since May 1994
- 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
Operating authority active (FMCSA's L&I record of May 14, 2026, status since Dec 3, 2019)
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
7 filings and 4 authority events since 1994 · 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, 2019FMCSA revocation notice for the operating authority, dropped Dec 3, 2019cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Apr 1, 2019EMPLOYERS MUTUAL CASUALTY CO.Liability · $1,000,000 · on fileL&I to May 14, 2026
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Apr 1, 2018EMPLOYERS MUTUAL CASUALTY CO.Liability · $1,000,000 · ended Dec 3, 2019 · insurer name change20 months in forceL&I to May 14, 2026
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Apr 1, 2017EMPLOYERS MUTUAL CASUALTY CO.Liability · $750,000 · ended Apr 1, 2018 · superseded by the same policy12 months in forceL&I to May 14, 2026
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May 16, 2016BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANLiability · $1,000,000 · ended Apr 1, 2017 · replaced by another insurera cancellation notice effective May 16, 2017 came after the replacement; 11 months in forceL&I to May 14, 2026
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Jan 27, 2011FMCSA revocation notice for the operating authority, dropped Feb 8, 2011opened after MONROE GUARANTY INSURANCE COMPANY filed a cancellation notice (effective Feb 23, 2011)L&I to May 14, 2026
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May 16, 2010THE CINCINNATI INSURANCE CO.Liability · $750,000 · ended May 16, 2016 · replaced by another insurer72 months in forceL&I to May 14, 2026
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May 15, 2010THE CINCINNATI INSURANCE CO.Liability · $750,000 · ended May 16, 2010 · superseded by the same policyL&I to May 14, 2026
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Nov 21, 2005FMCSA revocation notice for the operating authority, dropped Oct 28, 2011cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Jul 13, 1994Operating authority grantedL&I to May 14, 2026
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May 16, 1994MONROE GUARANTY INSURANCE COMPANYLiability · $750,000 · ended May 15, 2010 · replaced by another insurera cancellation notice effective Feb 23, 2011 came after the replacement; 192 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
- Indiana (HQ) 8
- Illinois 2
- Michigan 1
- Missouri 1
- South Dakota 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 (34 power units: 34 filed, 11 seen roadside in 24 months).
We'd expect a typical fleet of 34 power units this active to have about 0.8 crashes a year. This motor carrier recorded 3 in its scoring window (Oct 1, 2023 → Sep 30, 2026, about 1.0 a year) — about 1.3× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 1.0 over the next 12 — about 1.3× 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.
- 1 inspection with no out-of-service result
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 | 0.83 | |
| HOS Compliance | 1 | 1.05 | |
| Driver Fitness | 2 | 0.35 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 4 | 10.42 |
SMS record data is sourced from FMCSA's Safety Measurement System (03-JUL-26 – 22-MAY-25) and may cover a different time window than the scoring window used for the FRED grade (Oct 1, 2023 → Oct 31, 2026). Counts here may differ from the grade's in-window counts.