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VALIDATED

FRANK LAZZARA

Trust Score

Excellent Why this score?

Company CheckFRANK LAZZARA · DOT 2244969

DBA: FRANK'S TRUCKING

109 IROQUOIS, WOOD DALE, IL, 60191

DOT# 2244969 MC# 687406 Wood Dale, Illinois 16 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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Contact Details

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Physical Address109 IROQUOIS, WOOD DALE, IL, 60191

Mailing Address109 IROQUOIS, WOOD DALE, IL, 60191

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 · 07/05/2026

Required$75,000 (FMCSA min)

Last checked08/15/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeUNITED STATES FIRE INSURANCE CO.

Contact☎ (973) 490-6600
🌐 cfins.com

Filings on record10

Bond history

UNITED STATES FIRE INSURANCE CO.since Oct 1, 2019 · active

ASPEN AMERICAN INSURANCE COMPANYOct 2019 to Oct 2019 · replaced

LIBERTY NATIONAL FINANCIAL CORP.Feb 2014 to Oct 2019 · replaced

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

DocketMC687406

CommonNot Active

ContractNot Active

BrokerActive

Operating16 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 · 07/05/2026

CompanyUNITED STATES FIRE INSURANCE CO.

Policy #612404570

Last checked08/15/2026

Quick Facts

StatusActive

TypeBroker

Operating16 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
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	10/28/2013	02/28/2014	Cancelled
84	SURETY	ASPEN AMERICAN INSURANCE COMPANY	SU62520	$0	10/01/2019	10/01/2019	Replaced
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/29/2012	10/28/2013	Replaced
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/10/2009	08/29/2012	Replaced
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/10/2009	09/06/2012	Cancelled
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/10/2009	08/10/2009	Replaced
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/10/2009	09/10/2010	Cancelled
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/10/2009	08/10/2009	Replaced
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	08/10/2009	06/04/2011	Cancelled
85	TRUST FUND	LIBERTY NATIONAL FINANCIAL CORP.	20091121	$0	02/26/2014	10/01/2019	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC687406	PROPERTY BROKER	GRANTED	08/20/2009	-	-
MC687406	BROKER	INVOLUNTARY REVOCATION	08/16/2010	DISCONTINUED REVOCATION	08/20/2010
MC687406	BROKER	INVOLUNTARY REVOCATION	08/10/2012	DISCONTINUED REVOCATION	08/30/2012
MC687406	BROKER	INVOLUNTARY REVOCATION	05/09/2011	DISCONTINUED REVOCATION	06/03/2011
MC687406	BROKER	INVOLUNTARY REVOCATION	02/03/2014	DISCONTINUED REVOCATION	03/07/2014

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

Active broker authority on file, FMCSA requires a BMC-84 surety bond ($75K) to keep it active.

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.

FRANK LAZZARA

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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