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VALIDATED

STEPHEN FARMS

Trust Score

Excellent Why this score?

Company CheckSTEPHEN FARMS · DOT 1403241

Private carrier, runs its own trucks and hauls its own freight

4001 HAYDEN BR RD, OWENSBORO, KY, 42301

DOT# 1403241 Owensboro, Kentucky

PRIVATE CARRIER

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1

Power Units

1

Drivers

0

Crashes (24-Month)

None on file

Insurance

Not Rated

Safety Rating

0

Inspections

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Deep records on this carrier, only on LoadWrap

SMS BASIC Scores→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

1 events tracked · latest Aug 17, 2026 ↓ Show details ↓

Insurance 1

Current
No active insurance on file.

Public FMCSA record · blue clean · orange change · red risk.

Company Information

Legal NameSTEPHEN FARMS

DOT Number1403241

Entity TypePrivate Carrier

Operating StatusA - Active

LocationOwensboro, Kentucky

Added08/08/2005

MCS-15008/08/2005

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address4001 HAYDEN BR RD, OWENSBORO, KY, 42301

Mailing Address4001 HAYDEN BR RD, OWENSBORO, KY, 42301

Operating Authorities

Authority TypePRIVATE PROPERTY

Carrier OperationC - Intrastate (Non-Hazmat)

CommonNot Active

ContractNot Active

BrokerNot Active

Operation Classification

Private (Property)Private Only

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.

Drivers

1

Interstate

0

Intrastate

0

CDL

1

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Insurance

AmountNone on file

VerifiedFMCSA · 08/06/2026

Last checked08/16/2026

Quick Facts

StatusActive

TypePrivate Carrier

Fleet1 units

Drivers1

MCS-15008/2005

Licensing & Insurance

No insurance history records.

No active insurance policies.

No authority history.

No revocation records.

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85/100

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 85

85

−10

Starts at 100−15 totalFinal 85

MCS-150 update overdue−10

Operating history unknown−3

No email address on file−2

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Operating authority N/A

Not required for private carriers, a private carrier hauls its own goods and needs no for-hire operating authority (no MC number) under FMCSA.

Insurance on file with FMCSA N/A

Not required for private carriers, a non-hazmat private carrier hauling its own goods is generally not required to file proof of insurance with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-10

MCS-150 update overdue

The required biennial MCS-150 update has not been filed on time (score factor, not a verification failure).

-3

Operating history unknown

No authority grant date on file.

-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.