POLO TRUCKING INC
FMCSA Live Status
Fleet & equipment
- Power units
- 17
- Drivers · CDL
- 17 · 17
- Annual miles
- 910k
| Type | Own | Term | Trip | Total |
|---|---|---|---|---|
| Trucks | 4 | 0 | 0 | 4 |
| Tractors | 13 | 0 | 0 | 13 |
| Trailers | 22 | 0 | 0 | 22 |
Registration
- Organization
- CORPORATION
- FMCSA Rating
- Satisfactory (07-07-2010) · 16 yr old
- Registered
- 08-29-1994 (32 yrs)
- MCS-150 Update
- 09-09-2025 (Biennial Update)
- FRED Score Date
- Nov 07, 2026
- Officer
- LISA POLO
- Officer
- LISA POLO
Cargo
- High-Risk Cargo
- Machinery Large, Livestock, 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: 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.
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 crashes1 crash with 1 person hurt in 24 months.Ask: claim status and driver history for these crashes.
- Driver out-of-service rate 0.0% vs 6.7% national.
- No FMCSA BASIC alerts.
Track record
| This motor carrier | Peers | |
|---|---|---|
| Crashes | 0.088 | 0.031 |
| Inspections | 1.06 | 1.11 |
| Violations | 0.26 | 0.89 |
| Critical violations | 0.09 | 0.17 |
Yearly rates from the last 24 months. Peers: 10–19 power units, medium-risk cargo.
What they get cited for
9 violations · 24 months-
Vehicle maintenance No alert7 · 2 OOSCargo securement 2 · Lights 2 · Wheels & hubs 1 · Other parts 2
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Unsafe driving No alert2 · 0 OOSSpeeding 2
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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 months-
Oct82025IllinoisInjury · 1 person hurtWet road, dawn, fog, two-way trafficway divided unprotected median.
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Sep172025IllinoisProperty damage onlyDaylight, two-way trafficway divided unprotected median.
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Apr92025MissouriProperty damage onlyDaylight, two-way trafficway divided positive barrier.
1 of the 3 crashes hurt someone but killed no one.
Insurance filed with FMCSA
FMCSA record through Nov 2, 2026- Liability (BIPD)
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$750,000 · NATIONAL LIABILITY & FIRE INSURANCE COMPANYon record since Aug 31, 2026 · FMCSA minimum $750,000 · no gap on FMCSA's record since Aug 1994
- Cargo filing
- not required by FMCSA (household-goods motor carriers only); the cargo policy is not on FMCSA's record
- Broker or forwarder bond
- required · none on file
- 3 liability insurers on FMCSA's record, 2 changes: TEXAS INSURANCE COMPANY → NATIONAL LIABILITY & FIRE INSURANCE COMPANY (Sep 2025); ACUITY, A MUTUAL INSURANCE COMPANY → TEXAS INSURANCE COMPANY (Aug 2025)
- 2 cancellation notices filed by insurers; 2 took effect (the last Aug 31, 2026, replaced the same day)
- No gap in filed liability coverage while liability was required
Operating authority active (FMCSA's new registration system, status since Sep 1, 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
17 filings and 7 authority events since 1994 · 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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Sep 1, 2026Broker authority suspended: no insurance filing meeting the FMCSA minimum on fileFMCSA's new system
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Aug 31, 2026NATIONAL LIABILITY & FIRE INSURANCE COMPANYLiability · $750,000 · on fileFMCSA's new system
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Sep 23, 2025NATIONAL LIABILITY & FIRE INSURANCE COMPANYLiability · $750,000 · ended Aug 31, 2026 · cancellation notice took effect11 months in forceFMCSA's new system
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Sep 15, 2025Operating authority reinstatedL&I to May 14, 2026
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Sep 8, 2025Operating authority revoked (cause not stated)L&I to May 14, 2026
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Aug 31, 2025TEXAS INSURANCE COMPANYLiability · $750,000 · ended Sep 23, 2025 · replaced by another insurer1 month in forceL&I to May 14, 2026
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Aug 31, 2021ACUITY, A MUTUAL INSURANCE COMPANYLiability · $1,000,000 · ended Aug 31, 2025 · cancellation notice took effect48 months in forceL&I to May 14, 2026
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Dec 9, 2013Broker authority revoked (cause not stated)L&I to May 14, 2026
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Sep 25, 2006GREAT WEST CASUALTY CO.Liability · $1,000,000 · ended Aug 31, 2021 · replaced by another insurera cancellation notice effective Oct 4, 2021 came after the replacement; 179 months in forceL&I to May 14, 2026
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Sep 25, 2006GREAT WEST CASUALTY CO.Liability (excess) · $4,000,000 over $1,000,000 · ended Nov 27, 2008 · cancellation notice took effect26 months in forceL&I to May 14, 2026
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Jun 28, 2005GREAT WEST CASUALTY CO.Broker bond (BMC-84) · ended Feb 14, 2014 · cancellation notice took effect104 months in forceL&I to May 14, 2026
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Sep 15, 2003GREAT WEST CASUALTY CO.Liability · $2,000,000 · ended Sep 25, 2006 · cancellation notice took effect36 months in forceL&I to May 14, 2026
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Jun 28, 2001WESTERN SURETY CO.Broker bond (BMC-84) · ended Jun 28, 2005 · replaced by another insurer48 months in forceL&I to May 14, 2026
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Aug 3, 2000GREAT WEST CASUALTY CO.Liability · $5,000,000 · ended Sep 15, 2003 · cancellation notice took effect37 months in forceL&I to May 14, 2026
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Sep 13, 1999GREAT WEST CASUALTY CO.Liability · $5,000,000 · ended Aug 3, 2000 · cancellation notice took effect11 months in forceL&I to May 14, 2026
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Jun 28, 1999GULF INSURANCE CO.Broker bond (BMC-84) · ended Jun 28, 2001 · replaced by another insurer24 months in forceL&I to May 14, 2026
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Jun 16, 1998INTERNATIONAL FIDELITY INSURANCE COMPANYBroker bond (BMC-84) · ended Jun 16, 1999 · cancellation notice took effect12 months in forceL&I to May 14, 2026
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May 29, 1998FMCSA revocation notice for the broker authority, dropped Jul 7, 1998cause not stated in FMCSA's older recordsL&I to May 14, 2026
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Mar 30, 1998GREAT WEST CASUALTY CO.Liability · $5,000,000 · ended Sep 13, 1999 · cancellation notice took effect17 months in forceL&I to May 14, 2026
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Sep 24, 1997Broker authority grantedL&I to May 14, 2026
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Sep 9, 1997INTERNATIONAL FIDELITY INSURANCE COMPANYBroker bond (BMC-84) · ended May 2, 1998 · insurer name change8 months in forceL&I to May 14, 2026
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Aug 3, 1995GREAT WEST CASUALTY CO.Liability · $5,000,000 · ended May 2, 1998 · insurer name change33 months in forceL&I to May 14, 2026
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Nov 10, 1994Operating authority grantedL&I to May 14, 2026
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Aug 15, 1994NORTHLAND INSURANCE COMPANYLiability · ended Aug 3, 1995 · replaced by another insurer12 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
- Illinois (HQ) 21
- Missouri 2
Mostly inspected in its home state (91%).
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 (17 power units: 17 filed, 15 seen roadside in 24 months).
We'd expect a typical fleet of 17 power units this active to have about 0.6 crashes a year. This motor carrier recorded 6 in its scoring window (Sep 1, 2023 → Aug 31, 2026, about 2.0 a year) — about 3.2× a typical fleet. Factoring in its inspection and violation record inside that window and the credibility of its own experience, the model projects about 0.8 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 3.4× 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 | 2 | 1.06 | |
| HOS Compliance | 0 | 0.00 | |
| Driver Fitness | 0 | 0.00 | |
| Controlled Substances | 0 | 0.00 | |
| Vehicle Maintenance | 5 | 3.35 |
SMS record data is sourced from FMCSA's Safety Measurement System (01-APR-25 – 28-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.