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VALIDATED

THOMAS G HIGGINS

Trust Score

Excellent Why this score?

Company CheckTHOMAS G HIGGINS · DOT 2212650

302 LAKE FRONT DRIVE, ORWIGSBURG, PA, 17961

DOT# 2212650 MC# 173229 Orwigsburg, Pennsylvania 42 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

None on file

Insurance

Not Rated

Safety Rating

Inspections

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Public record

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

Insurance 1

Current
No active insurance on file.

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

Contact Details

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Physical Address302 LAKE FRONT DRIVE, ORWIGSBURG, PA, 17961

Mailing Address302 LAKE FRONT DRIVE, ORWIGSBURG, PA, 17961

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 · 06/09/2026

Required$75,000 (FMCSA min)

Last checked07/17/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeONEBEACON AMERICA INSURANCE COMPANY

Contact🔍 Find contact

Bond cancelled Sep 1, 2007 by ONEBEACON AMERICA INSURANCE COMPANY. 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

ONEBEACON AMERICA INSURANCE COMPANYJun 1987 to Sep 2007 · CANCELLED

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier Operation-

DocketMC173229

CommonNot Active

ContractNot Active

BrokerInactive

Operating42 years

Company Overview

ONEBEACON AMERICA INSURANCE COMPANY is a FMCSA-validated broker based in Orwigsburg, Pennsylvania. The company has been in operation for 42 years, registered with the FMCSA on 11/19/2011. The company has a clean safety record with zero reported crashes. Based on authority, insurance, safety, and compliance data, ONEBEACON AMERICA INSURANCE COMPANY has a Trust Score of 85/100 (Excellent).

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatNo

Safety Summary

SmartWay PartnerNo

No safety rating or inspection data on file with FMCSA.

Insurance

AmountNone on file

Type-

VerifiedFMCSA · 06/09/2026

Company-

Policy #-

Last checked07/17/2026

Quick Facts

StatusActive

TypeBroker

FleetN/A

DriversN/A

Operating42 years

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
84	SURETY	ONEBEACON AMERICA INSURANCE COMPANY	CP7113136	$0	06/26/1987	09/01/2007	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC173229	PROPERTY BROKER	REINSTATED	12/14/2005	REVOKED	09/10/2007
MC173229	PROPERTY BROKER	GRANTED	07/10/1984	REVOKED	12/12/2005

No revocation records.

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

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

−10

Starts at 100−15 totalFinal 85

MCS-150 update overdue−10

No phone number on file−3

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).

-3

No phone number on file

No public phone number on record.

-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.

THOMAS G HIGGINS

Trust Score

Public record

Company Information

Contact Details

Broker Surety Bond FMCSA BMC-84/85

Operating Authorities

Company Overview

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Licensing & Insurance

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