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VALIDATED

KELLY A CADY

Trust Score

Excellent Why this score?

Company CheckKELLY A CADY · DOT 2225400

DBA: K & R BROKERAGE

2100 MARLIN CT, CHESAPEAKE, VA, 23323

DOT# 2225400 MC# 365785 Chesapeake, Virginia 27 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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Deep records on this carrier, only on LoadWrap

Safety & Inspections→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

1 events tracked · latest Sep 19, 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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EmailSign in to view

Physical Address2100 MARLIN CT, CHESAPEAKE, VA, 23323

Mailing AddressP O BOX 6927, CHEASAPEAKE, VA, 23323

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 · 07/07/2026

Required$75,000 (FMCSA min)

Last checked09/19/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeOHIO CASUALTY INSURANCE CO.

Contact☎ (888) 844-2663
🌐 libertymutualsurety.com

Filings on record4

Bond cancelled Sep 12, 2007 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.Mar 2006 to Sep 2007 · CANCELLED

OHIO CASUALTY INSURANCE CO.Sep 1999 to Mar 2001 · replaced

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationC - Intrastate (Non-Hazmat)

DocketMC365785

CommonNot Active

ContractNot Active

BrokerInactive

Operating27 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

AmountNone on file

VerifiedFMCSA · 07/07/2026

Last checked09/19/2026

Quick Facts

StatusActive

TypeBroker

Operating27 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
34	CARGO	ESSEX INSURANCE COMPANY	6CA3120	$0	10/11/2001	02/08/2002	Cancelled
84	SURETY	OHIO CASUALTY INSURANCE CO.	3-495-349	$0	09/13/1999	03/23/2001	Name Changed
34	CARGO	ACE PROPERTY AND CASUALTY INSURANCE COMPANY	I20195356-1	$0	08/12/2000	03/23/2001	Name Changed
34	CARGO	ACE PROPERTY AND CASUALTY INSURANCE COMPANY	I20195356-1	$0	08/12/2000	10/11/2001	Replaced
34	CARGO	ACE PROPERTY AND CASUALTY INSURANCE COMPANY	I20195356	$0	08/12/1999	08/12/2000	Replaced
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	03/13/2006	03/13/2006	Replaced
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	03/13/2006	09/12/2007	Name Changed
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	03/13/2006	03/20/2009	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC365785	PROPERTY BROKER	GRANTED	09/21/1999	REVOKED	06/14/2001
MC365785	BROKER	INVOLUNTARY REVOCATION	08/10/2007	DISCONTINUED REVOCATION	08/14/2007
MC365785	PROPERTY BROKER	REINSTATED	03/29/2006	REVOKED	03/30/2009

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.

KELLY A CADY

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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