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VALIDATED

EDWARD W FALES

Trust Score

Excellent Why this score?

Company CheckEDWARD W FALES · DOT 2211720

DBA: F & M ASSOCIATES

246 MANNING STREET, NEEDHAM, MA, 02192

DOT# 2211720 MC# 130666 Needham, Massachusetts 46 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

Inspections

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Contact Details

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Physical Address246 MANNING STREET, NEEDHAM, MA, 02192

Mailing Address246 MANNING STREET, NEEDHAM, MA, 02192

Broker Surety Bond FMCSA BMC-84/85

Brokers must keep a $75,000 surety bond or trust fund on file with FMCSA. If it lapses, FMCSA revokes the broker’s authority, so an active bond is the key thing a carrier should verify before hauling for a broker.

Bond StatusNot on file

On File (FMCSA)None on file

VerifiedFMCSA · 06/17/2026

Required$75,000 (FMCSA min)

Last checked09/14/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeTRAVELERS CASUALTY & SURETY CO. OF AMERICA

Contact☎ (866) 336-2077
🌐 travelers.com

Filings on record6

Bond cancelled Mar 3, 2011 by PACIFIC FINANCIAL ASSOCIATION, INC.. This company's broker authority is not currently active. FMCSA requires every broker to keep a $75,000 bond on file; after a cancellation, operating authority is typically revoked within weeks. Confirm current status in FMCSA's official records before booking.

Bond history

PACIFIC FINANCIAL ASSOCIATION, INC.Feb 2005 to Mar 2011 · CANCELLED

PLATTE RIVER INSURANCE COMPANYJan 2003 to Feb 2005 · replaced

TRAVELERS CASUALTY & SURETY CO. OF AMERICAApr 1996 to Aug 1999 · CANCELLED

LUMBERMENS MUTUAL CASUALTY CO.Mar 1995 to Mar 1996 · CANCELLED

WESTCHESTER FIRE INSURANCE COMPANYMar 1992 to Apr 1995 · CANCELLED

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationC - Intrastate (Non-Hazmat)

DocketMC130666

CommonNot Active

ContractNot Active

BrokerInactive

Operating46 years

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 · 06/17/2026

CompanyLUMBERMENS MUTUAL CASUALTY CO.

Policy #POLICY1S577845

Last checked09/14/2026

Quick Facts

StatusActive

TypeBroker

Operating46 years

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
84	SURETY	TRAVELERS CASUALTY & SURETY CO. OF AMERICA	06 S 101034240 BCM	$0	04/15/1996	08/18/1999	Cancelled
84	SURETY	LUMBERMENS MUTUAL CASUALTY CO.	3S 881 512-00	$0	03/14/1995	03/14/1996	Cancelled
84	SURETY	WESTCHESTER FIRE INSURANCE COMPANY	6101893116	$0	03/10/1992	04/13/1995	Cancelled
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	02/01/2005	03/03/2011	Cancelled
84	SURETY	PLATTE RIVER INSURANCE COMPANY	40025471	$0	01/21/2003	02/01/2005	Replaced
84	SURETY	PLATTE RIVER INSURANCE COMPANY	40025471	$0	01/21/2003	02/24/2005	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC130666	BROKER	INVOLUNTARY REVOCATION	11/07/2005	DISCONTINUED REVOCATION	11/22/2005
MC130666	BROKER	INVOLUNTARY REVOCATION	10/17/1990	DISCONTINUED REVOCATION	11/23/1990
MC130666	PROPERTY BROKER	GRANTED	07/16/1980	REVOKED	11/04/1999
MC130666	PROPERTY BROKER	REINSTATED	06/11/1996	REVOKED	11/04/1999
MC130666	PROPERTY BROKER	REINSTATED	04/18/2003	REVOKED	03/09/2011
MC130666	BROKER	INVOLUNTARY REVOCATION	04/13/1995	DISCONTINUED REVOCATION	06/15/1995
MC130666	BROKER	INVOLUNTARY REVOCATION	02/10/1992	DISCONTINUED REVOCATION	04/01/1992
MC130666	BROKER	INVOLUNTARY REVOCATION	01/28/2005	DISCONTINUED REVOCATION	02/02/2005

No revocation records.

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Trust Score over time and the complete authority and insurance timeline, not just today.

88/100

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 88

−10

Starts at 100−12 totalFinal 88

MCS-150 update overdue−10

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

-10

MCS-150 update overdue

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

-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.

EDWARD W FALES

Trust Score

Company Information

Contact Details

Broker Surety Bond FMCSA BMC-84/85

Operating Authorities

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Licensing & Insurance

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