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Insurance monitoring · FMCSA filings · Lapse alerts

Carrier insurance monitoring that lives in your inbox.

The COI folder is where insurance checks go to die. A carrier sends a certificate at onboarding, it gets filed, and nobody looks again — right up until a claim finds the policy was cancelled two months ago. Keelway checks the FMCSA insurance-on-file record on every carrier email, at acceptance, and at pickup, and puts the answer on the thread.

Book a demoCheck a carrier free
3×
checks per booked load — email, acceptance, pickup
Keelway product design, 2026
< 2s
FMCSA insurance-on-file lookup
Keelway infrastructure, 2026
$750K
FMCSA liability minimum, general freight
49 CFR Part 387

The lapsed-COI problem

Every broker has the folder: certificates of insurance collected at onboarding, one per carrier, dutifully filed. The problem is structural. A COI is a snapshot the carrier hands you — it was true the day the agent issued it. Policies get cancelled for non-payment mid-term. Coverage gets non-renewed. And because it's a PDF, a motivated fraudster can edit dates and limits before sending it. The certificate can't tell you any of that happened.

The stronger signal is the FMCSA filing. Insurers file liability coverage (BMC-91/BMC-91X) directly with FMCSA, and cancellations hit that record — no carrier in the loop. That's the record Keelway checks: data sourced from the insurer's own filing, not from a document the carrier controls.

Manual tracking breaks at exactly the moment it matters most. Ten carriers, someone eyeballs expiration dates monthly. A hundred carriers, the spreadsheet is stale the week it's made. And none of it covers the carrier who emailed about today's load and was never onboarded at all.

What continuous monitoring means here

Every email

Insurance checked at the moment of reply

Every inbound carrier email triggers a live FMCSA check that includes insurance-on-file status. The result lands in the carrier's 0–100 trust score with the reason attached — "Insurance expiration within 14 days" — before anyone reads the thread.
At acceptance

Re-checked when you book the load

The gap between quote and booking is where lapses hide. When you accept a carrier, Keelway re-runs the coverage check — the status you book on is current, not the status from when they first emailed.
At pickup

Re-checked before the truck is released

A carrier who quoted with valid coverage and let it lapse before the load date triggers an alert before pickup. That's the check that catches the cancelled-for-non-payment policy the COI folder never will.
On the thread

Status where the conversation is

No separate monitoring portal, no dashboard to remember. Insurance state surfaces on the carrier's email thread and carrier record — the same place your team is already working the load.

Setup, in the time it takes to read this section

There is no insurance-monitoring module to configure. Connect Gmail, and the checks start firing on inbound carrier email — implementation of the full platform runs under one business day. Keelway is an AI platform that automates carrier email triage for freight brokers — turning 40+ carrier replies per posted load into a ranked, vetted shortlist in under a second. Insurance is one signal inside that vetting layer, alongside authority status, safety data, and the identity flags covered on the carrier onboarding page.

Two free ways to see the check itself: the FMCSA lookup tool shows insurance-on-file status on any MC or USDOT with no signup, and the CarrierVet Chrome extension flags lapsed insurance as one of its 21 risk rules, scanning locally in your browser.

Still collecting COIs? Good — keep doing that. The certificate carries cargo coverage and policy details the federal filing doesn't. Just read it with open eyes: our field-by-field COI guide covers what each box means, certificate holder vs additional insured, and the red flags of a doctored certificate. The full pre-booking sequence is in the carrier vetting checklist.

What this costs

Nothing extra. Insurance monitoring is part of the base plan — $799/mo flat, unlimited users, month-to-month, no setup fee, 30-day trial with no card required. No per-carrier monitoring fees, because charging you per carrier for a two-second API check never sat right with us.

Frequently asked questions

What is carrier insurance monitoring?+
Carrier insurance monitoring is checking that a carrier's liability and cargo coverage is actually active — not just at onboarding, but every time it matters: when they quote your load, when you book them, and when the truck shows up. Keelway runs the FMCSA insurance-on-file check automatically on every inbound carrier email, re-checks at acceptance, and re-checks at pickup, surfacing the status on the email thread itself.
Why isn't the COI in my folder good enough?+
Because a certificate of insurance is a snapshot supplied by the carrier. It shows coverage on the day it was issued — it doesn't update when the policy is cancelled for non-payment a month later, and a PDF is editable by anyone motivated enough. FMCSA's insurance-on-file record comes from filings insurers make directly with FMCSA, which makes it a stronger live signal than a carrier-supplied document. The COI still matters for cargo coverage and policy details; the filing tells you whether liability coverage exists right now.
What are the FMCSA insurance minimums for carriers?+
For most for-hire carriers of general freight, FMCSA requires $750,000 in public liability coverage (49 CFR Part 387), filed by the insurer on form BMC-91 or BMC-91X. Higher minimums apply to oil and certain hazmat loads ($1,000,000 and $5,000,000). Cargo insurance is different: FMCSA no longer requires cargo filings for most property carriers, so the cargo coverage you see on a COI — commonly $100,000 — is a market standard set by brokers and shippers, not a federal minimum. Most shippers and brokers require more liability than the federal floor.
How does Keelway's insurance monitoring actually work?+
Event-driven, not spreadsheet-driven. Every inbound carrier email triggers a live FMCSA check — under 2 seconds (Keelway infrastructure, 2026) — that includes insurance-on-file status, and it lands in the carrier's 0–100 trust score with the reason visible, like 'Insurance expiration within 14 days.' On booked loads, coverage is re-checked at the time of acceptance and again at pickup; a carrier who quoted with valid coverage and lapsed before the load date triggers an alert before the truck is released.
Does Keelway replace COI collection?+
No. You should still collect certificates for your packet file — they carry the policy details, cargo coverage, and the certificate holder listing that FMCSA filings don't. What Keelway replaces is the false comfort of relying on that folder: the live FMCSA check catches the lapse the PDF can't tell you about. For reading the certificate itself — and spotting a doctored one — see our COI guide.
What does carrier insurance monitoring cost?+
It's included in Keelway's base plan at $799/mo flat — unlimited users, month-to-month, no setup fee, 30-day trial with no card required. There's no per-carrier monitoring fee and no separate insurance-tracking subscription. For one-off checks, the free FMCSA lookup tool shows insurance-on-file status on any MC or USDOT with no signup, and the free CarrierVet Chrome extension flags lapsed insurance as one of its 21 risk rules.
Checked at email. At acceptance. At pickup.

Find the lapsed policy before the claim does.

Book a demoStart the 30-day trial

Related

How to read a COI →

The ACORD certificate, field by field — and how to spot a fake one.

Carrier Onboarding →

The full vetting layer — authority, insurance, safety data, and identity flags on every inbound carrier.

Continuous Carrier Monitoring →

Why vetting can't end at onboarding — authority, insurance, and identity re-checked at every touchpoint.

Free FMCSA MC & DOT Lookup →

One-off insurance-on-file checks — live FMCSA QCMobile data, no signup.

Carrier Vetting Checklist →

The 25-point pre-booking checklist, insurance checks included.