PFA Claims Portal

Transportation Broker Surety

PFA Has What You Need. When You Need It.

PFA offers two plans to cover the FMCSA’s $75,000 surety requirement:  BMC-84 Surety Bonds and BMC-85 Trust Agreements.

PFA Transportation Insurance & Surety Services offers two plans to cover the FMCSA’s $75,000 surety requirement:  BMC-84 Surety Bonds and BMC-85 Trust Agreements.

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Custom Rates

BMC-84 Surety Bonds

With a BMC-84, a surety company guarantees the FMCSA that it will pay up to $75,000 in case you (the freight broker or forwarder) fail to comply with your financial obligations. 

Lower Upfront Cost

Lower Risk as Cash is Not Tied Up

Flexible Payment Options for Annual Premium

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Or Click Here to Learn More About BMC-84 Surety Bonds

Low Fee Structure

BMC-85 Trust Agreements 

This is a trust fund agreement. You must deposit $75,000 into a trust fund. This amount is used to pay any valid claims against your brokerage. 

No Annual Premiums

No Credit Check Required

Requires $75,000 Cash or Irrevocable Letter of Credit

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Or Click Here to Learn More About BMC-85 Surety Bonds

Why Choose PFA Transportation Insurance & Surety Services?

25+

Years in Business

PFA was founded as Pacific Financial Association, Inc. in 1998 and has exclusively served freight professionals since the beginning.

Initially specializing in BMC-85 Trust Fund Agreements, the  company quickly expanded to what is now the largest issuer of BMC-84s and BMC-85s in the nation.

PFA was founded as Pacific Financial Association, Inc. in 1998 and has exclusively served freight professionals since the beginning. 

4000+

Active Brokers

PFA offers many commercial surety bonds to keep transportation businesses compliant, but is the only company that offers both the BMC-84 and BMC-85 surety instruments.

The BMC-84 Surety Bond and the BMC-85 Trust Fund Agreement satisfy the Federal Motor Carrier Safety Administration’s (FMCSA) surety requirement of $75,000. This is mandatory for all transportation property brokers.

PFA sells BMC-84 Surety Bonds and is the only company that offers both the BMC-84 and BMC-85 surety instruments.

50000+

Claims Processed

As the industry leader in freight surety, our claims staff has processed more claims than any other surety provider. 

Unlike other multi-line sureties, PFA only deals with broker bond claims and works diligently to protect broker contracts. 

Unlike other multi-line sureties, PFA only deals with broker bond claims and works diligently to protect broker contracts. All claims are processed in house.

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About FMCSA Freight Broker Surety

The FMCSA requires freight brokers and forwarders to provide a BMC-84 or BMC-85 as proof of holding a $75,000 bond or trust fund, and to pay the associated filing fee. Upon approval, brokers are issued a certificate of authority, enabling them to legally operate within the trucking industry. The surety bond or trust agreement ensures that shippers and carriers are protected and will be paid for their services in case the broker or forwarder fails to fulfill their financial obligations. Contact Us to Learn More

BMC-84 Surety Bonds

No Upfront Costs. One Annual Premium

The BMC-84 is a surety bond that requires freight brokers to partner with a surety company. The bond acts as a financial safeguard for the timely payment to carriers and shippers.

One of the key advantages of the BMC-84 is its lower upfront cost compared to BMC-85. Brokers typically pay a premium, a percentage of the $75,000 bond amount, which varies based on creditworthiness and financial history.  

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BMC-85 Trust Agreements

One-Time Set Up Fee. Low Annual Maintenance Fee

The BMC-85 Trust Agreement requires brokers to deposit the full $75,000 into a surety trust agreement. This option has lower fees but demands a significant upfront investment.

The BMC-85 is ideal for brokers who have a large amount of capital.

PFA is authorized by the FMCSA as a Financial Institution to issue BMC-85 Trust Fund Agreements pursuant to 49 CFR § 387.307 under Filer No: 22512.

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What our clients are saying

  • Shane Black
    FRC Logistics has its BMC-85 with PFA because, like us, PFA cares about their customers. We have had our bond with them for several years and plan on keeping it there. Freight Rate Central specializes in the freight shipping & transportation of all shapes and sizes nationwide. We provide a convenient and easy to use online freight quoting tool that allows you to get instant online freight rates, trucking rates, and a variety of other freight shipping options.
    Shane Black
    FRC Logistics Inc
  • Ann Adams
    Thank you so very much for your encouraging words! As a very small broker I am relieved that you are optimistic about the future of my business and fortunate that I have PFA as a partner!
    Ann Adams
    360 Auto Transport
  • Tom Miller
    You were good enough to help us get our business started in 2004 and we appreciate that very much. I am a very loyal person to those that have helped us. We are with you for the long run.
    Tom Miller
    Tailwind Logistics, LLC
  • Bobbye Marcove
    We have been with PFA for over ten years. During that time we have always found them to be professional and competent. They address our needs in a very timely basis and found them to understand the broker’s situation very clearly. We enjoy working with them very much.
    Bobbye Marcove
    FAK, Inc.
  • Marc Bostwick
    PFA works great with TQL. The company is very fair and impartial in its decisions on disagreements, and the staff is very conscientious and prompt to handle anything that comes up. PFA maintains TQL’s bonding capacity of more than twice the legal requirement.
    Marc Bostwick
    Total Quality Logistics
  • Steven J. Turows
    We have been extremely pleased with PFA’s response to our brokerage needs. You have performed in an outstanding manner during the time in which we have needed to contact you. We are completely happy and have absolutely no intention to change!
    Steven J. Turows
    Koleaseco Logistics Inc.

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Corporate HQ

22601 N. 19th Avenue, Suite 202
Phoenix, AZ 85027

Pacific Financial Association, Inc.

Phone (800) 595-2615 | Fax (623) 209-2610 | Email: info@PFAprotects.com

Producer and Claims Adjuster NIPR No. 17122521
Third Party Administrator UT License No. 616391

Producer and Claims Adjuster NIPR No. 17122521
Third Party Administrator UT License No. 616391