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VALIDATED

PAULETT T WARNER

Trust Score

Excellent Why this score?

Company CheckPAULETT T WARNER · DOT 2215921

DBA: S & W TRANSPORTATION

3700 SCOTTSVILLE RD, LAFAYETTE, TN, 37083

DOT# 2215921 MC# 258908 Lafayette, Tennessee 33 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

$75,000 bond

Insurance

Not Rated

Safety Rating

Inspections

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Public record

2 events tracked · latest Sep 17, 2026 ↓ Show details ↓

Insurance 2

Current
Active surety bond on file ($75,000).
Oct 1, 2025
Insurance policy cancelled (NATIONWIDE MUTUAL INSURANCE COMP).

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

Contact Details

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Physical Address3700 SCOTTSVILLE RD, LAFAYETTE, TN, 37083

Mailing AddressP. O. BOX 208, LAFAYETTE, TN, 37083

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 StatusActive

On File (FMCSA)$75,000

VerifiedFMCSA · 09/10/2026

Required$75,000 (FMCSA min)

Last checked09/17/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeLEXINGTON NATIONAL INSURANCE CORPORATION

Contact☎ (888) 888-2245
🌐 lexingtonnational.com

Filings on record13

Bond history

LEXINGTON NATIONAL INSURANCE CORPORATIONsince Oct 1, 2025 · active

NATIONWIDE MUTUAL INSURANCE COMPOct 2022 to Oct 2025 · replaced

UNITED STATES FIRE INSURANCE CO.Oct 2021 to Oct 2022 · replaced

HUDSON INSURANCE COMPANYOct 2016 to Oct 2018 · replaced

AMERICAN CONTRACTORS INDEMNITY COMPANYOct 2015 to Oct 2016 · replaced

GREAT AMERICAN INSURANCE CO.Oct 2013 to Oct 2015 · CANCELLED

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationC - Intrastate (Non-Hazmat)

DocketMC258908

CommonNot Active

ContractNot Active

BrokerActive

Operating33 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$75,000 bond

Type84

VerifiedFMCSA · 09/10/2026

CompanyLEXINGTON NATIONAL INSURANCE CORPORATION

Policy #L277543-2113

Last checked09/17/2026

Quick Facts

StatusActive

TypeBroker

Operating33 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	FIDELITY & DEPOSIT CO. OF MARYLAND	3066 78 85	$0	12/21/1995	01/19/2011	Cancelled
84	SURETY	TRAVELERS CASUALTY AND SURETY COMPANY	64 S 100826364 BCA	$0	12/21/1993	12/21/1995	Replaced
84	SURETY	STATE AUTOMOBILE MUTUAL INSURANCE COMPANY	SUR 601 1070	$0	12/06/2010	10/01/2013	Replaced
84	SURETY	NATIONWIDE MUTUAL INSURANCE COMP	7901113570	$0	10/01/2022	10/01/2025	Replaced
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615997074	$0	10/01/2021	10/01/2022	Replaced
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615997074	$0	10/01/2021	10/16/2022	Cancelled
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615997074	$0	10/01/2018	10/01/2021	Replaced
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615997074	$0	10/01/2018	10/10/2021	Cancelled
84	SURETY	HUDSON INSURANCE COMPANY	10046124	$0	10/01/2016	10/01/2018	Replaced
84	SURETY	HUDSON INSURANCE COMPANY	10046124	$0	10/01/2016	10/24/2018	Cancelled
84	SURETY	AMERICAN CONTRACTORS INDEMNITY COMPANY	1001048361	$0	10/01/2015	10/01/2016	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	2410310	$0	10/01/2013	10/01/2015	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	2410310	$0	10/01/2013	10/04/2015	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC258908	BROKER	INVOLUNTARY REVOCATION	11/17/2005	DISCONTINUED REVOCATION	01/20/2011
MC258908	BROKER	INVOLUNTARY REVOCATION	09/13/2021	DISCONTINUED REVOCATION	09/14/2021
MC258908	BROKER	INVOLUNTARY REVOCATION	01/30/1994	DISCONTINUED REVOCATION	03/02/1994
MC258908	PROPERTY BROKER	REINSTATED	01/26/2011	-	-
MC258908	PROPERTY BROKER	GRANTED	01/19/1993	REVOKED	01/25/2011

No revocation records.

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

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

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.

Active broker authority

Holds active broker authority.

Broker bond (BMC-84) on file

FMCSA shows active coverage on file as of 9/10/2026.

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.

PAULETT T WARNER

Trust Score

Public record

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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