MCS-90 Endorsement
Definition. MCS-90 is a federal financial responsibility endorsement required for interstate for-hire trucking under FMCSA jurisdiction. Acts as a backup guarantee to the public.
Also known as: MCS-90
Required for any vehicle > 10,001 lbs GVWR engaged in interstate for-hire trucking. Provides minimum $750K (non-hazmat) or $1M+ (hazmat) financial backstop even if primary policy denies claim.
Example
A trucker's primary policy denies a $500K accident claim due to a policy exclusion. The MCS-90 still pays the public claimant, then the FMCSA seeks reimbursement from the trucker.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
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