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VALIDATED

PAY LOADS LLC

Trust Score

Excellent Why this score?

Company CheckPAY LOADS LLC · DOT 2384028

603 PHILLIPSTOWN RD, KERSHAW, SC, 29067

DOT# 2384028 MC# 817036 Kershaw, South Carolina 13 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

Not reported

Insurance

Not Rated

Safety Rating

Inspections

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Contact Details

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Physical Address603 PHILLIPSTOWN RD, KERSHAW, SC, 29067

Mailing Address603 PHILLIPSTOWN RD, KERSHAW, SC, 29067

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

Required$75,000 (FMCSA min)

Last checked08/01/2026

TypeSurety Bond (BMC-84)

Last filing on record11/05/2019

Surety / TrusteeUNITED STATES FIRE INSURANCE CO.

Contact☎ (973) 490-6600
🌐 cfins.com

Filings on record13

Bond cancelled Jul 12, 2023 by HUDSON 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

HUDSON INSURANCE COMPANYMar 2023 to Jul 2023 · CANCELLED

UNITED STATES FIRE INSURANCE CO.Nov 2019 to Dec 2022 · CANCELLED

AMERICAN CONTRACTORS INDEMNITY COMPANYNov 2016 to Nov 2017 · replaced

GREAT AMERICAN INSURANCE CO.Nov 2015 to Dec 2016 · CANCELLED

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

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

DocketMC817036

CommonNot Active

ContractNot Active

BrokerInactive

Operating13 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

Quick Facts

StatusActive

TypeBroker

Operating13 years

MCS-15003/2023

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	UNITED STATES FIRE INSURANCE CO.	615996326	$0	11/05/2019	12/14/2022	Cancelled
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615996326	$0	11/05/2017	11/05/2019	Replaced
84	SURETY	UNITED STATES FIRE INSURANCE CO.	615996326	$0	11/05/2017	11/20/2019	Cancelled
84	SURETY	AMERICAN CONTRACTORS INDEMNITY COMPANY	1001075972	$0	11/05/2016	11/05/2017	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	11/05/2016	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	12/07/2016	Cancelled
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	11/05/2015	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	11/05/2015	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	11/05/2015	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	11/05/2015	Replaced
84	SURETY	GREAT AMERICAN INSURANCE CO.	4099581	$0	11/05/2015	11/05/2015	Replaced
84	SURETY	HUDSON INSURANCE COMPANY	10145143	$0	03/14/2023	07/12/2023	Cancelled
84	SURETY	GREAT AMERICAN INSURANCE CO.	1490448	$0	02/15/2013	10/01/2013	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC817036	PROPERTY BROKER	REINSTATED	11/16/2015	REVOKED	12/20/2022
MC817036	BROKER	INVOLUNTARY REVOCATION	11/10/2016	DISCONTINUED REVOCATION	11/15/2016
MC817036	BROKER	INVOLUNTARY REVOCATION	10/24/2019	DISCONTINUED REVOCATION	10/25/2019
MC817036	PROPERTY BROKER	REINSTATED	03/23/2023	REVOKED	07/18/2023
MC817036	PROPERTY BROKER	GRANTED	03/08/2013	REVOKED	12/02/2013

No revocation records.

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

90/100

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 90

−10

Starts at 100−10 totalFinal 90

MCS-150 update overdue−10

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).

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.