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VALIDATED

KATHY HUBBS

Trust Score

Excellent Why this score?

Company CheckKATHY HUBBS · DOT 1239229

DBA: RISKY BIZ

234 MORRELL RD SUITE 107, KNOXVILLE, TN, 37919

DOT# 1239229 MC# 596259 Knoxville, Tennessee 19 years

CARRIER

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1

Power Units

1

Drivers

0

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

0

Inspections

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Company Information

Legal NameKATHY HUBBS

DBA NameRISKY BIZ

DOT Number1239229

MC Number596259

Entity TypeCarrier

Operating StatusA - Active

LocationKnoxville, Tennessee

Added04/22/2004

MCS-15001/16/2026

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address234 MORRELL RD SUITE 107, KNOXVILLE, TN, 37919

Mailing Address234 MORRELL RD SUITE 107, KNOXVILLE, TN, 37919

Other Companies at This Address

Address234 MORRELL RD SUITE 107, KNOXVILLE, TN 37919

1

Others here

2

Distinct phones

1

Active

Company	DOT	Phone	Status
KATHY HUBBS this company	1239229	Sign in	Active
MASS CARGO LLC	2546181	Sign in	Inactive

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC596259

CommonActive

ContractNot Active

BrokerNot Active

Operating19 years

Operation Classification

Authorized For Hire

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.

Unsafe Driving

measure 0 · 0 insp with violations

Clean

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 0 · 0 insp with violations

Clean

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage1,000 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

1

Interstate

0

Intrastate

0

CDL

1

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$750,000

Type91

VerifiedFMCSA · 07/07/2026

CompanyOOIDA RISK RETENTION GROUP, INC.

Policy #PL199534751

Last checked09/15/2026

Quick Facts

StatusActive

TypeCarrier

Fleet1 units

Drivers1

Mileage1,000 mi

Operating19 years

MCS-15001/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg5.5%

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	12/28/2023	03/16/2024	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	12/06/2012	07/04/2013	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	12/05/2013	07/04/2014	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$0	11/04/2015	04/11/2017	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527051	$0	10/24/2017	01/04/2018	Replaced
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527051	$0	10/24/2017	02/08/2018	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	10/08/2011	08/08/2012	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	10/04/2013	12/05/2013	Cancelled
91X	BIPD/Primary	UNITED FINANCIAL CASUALTY COMPANY	CA 8270703	$750,000	10/04/2011	10/08/2011	Replaced
91X	BIPD/Primary	UNITED FINANCIAL CASUALTY COMPANY	CA 8270703	$750,000	10/04/2011	10/04/2011	Replaced
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527051	$0	09/07/2017	10/24/2017	Name Changed
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	09/04/2014	03/07/2015	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	08/30/2018	07/01/2022	Replaced
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	08/30/2018	07/12/2022	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	08/08/2012	12/06/2012	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN597143	$750,000	07/29/2008	07/26/2011	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN597143	$0	07/29/2008	05/25/2011	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	WN067554	$750,000	07/26/2011	09/26/2011	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	07/04/2014	09/04/2014	Cancelled
91X	BIPD/Primary	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$1,000,000	07/04/2013	10/04/2013	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	07/01/2022	12/28/2023	Replaced
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	07/01/2022	01/09/2024	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199513145	$0	03/07/2015	11/04/2015	Cancelled
91X	BIPD/Primary	NORTHLAND INSURANCE COMPANY	TN488262	$750,000	03/05/2007	07/29/2008	Cancelled
34	CARGO	NORTHLAND INSURANCE COMPANY	TN488262	$0	03/05/2007	07/29/2008	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	02/08/2018	08/30/2018	Cancelled
91	BIPD	OOIDA RISK RETENTION GROUP, INC.	PL199527594	$0	01/04/2018	02/08/2018	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC596259	COMMON	INVOLUNTARY REVOCATION	12/13/2023	DISCONTINUED REVOCATION	12/29/2023
MC596259	COMMON	INVOLUNTARY REVOCATION	11/08/2013	DISCONTINUED REVOCATION	11/15/2013
MC596259	MOTOR PROPERTY COMMON CARRIER	REINSTATED	10/06/2011	REVOKED	04/17/2017
MC596259	MOTOR PROPERTY COMMON CARRIER	REINSTATED	09/20/2017	REVOKED	03/25/2024
MC596259	MOTOR PROPERTY COMMON CARRIER	REINSTATED	09/10/2024	-	-
MC596259	COMMON	INVOLUNTARY REVOCATION	08/03/2018	DISCONTINUED REVOCATION	08/06/2018
MC596259	COMMON	INVOLUNTARY REVOCATION	06/15/2022	DISCONTINUED REVOCATION	07/05/2022
MC596259	MOTOR PROPERTY COMMON CARRIER	GRANTED	03/22/2007	REVOKED	10/03/2011

No revocation records.

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98/100

Excellent

VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown, from 100 to 98

98

Starts at 100−2 totalFinal 98

No email address on file−2

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Authorized for hire

Holds active for-hire (common or contract) authority.

Active insurance on file

Active for-hire authority on file, FMCSA requires insurance to keep it active.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-2

No email address on file

No public email address on record.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

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