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VALIDATED

COLD HARBOR CAPITAL

Trust Score

Excellent Why this score?

Company CheckCOLD HARBOR CAPITAL · DOT 2505983

DBA: RECOVERY AMERICA

9772 PRINCETON GLENDALE ROAD, WEST CHESTER, OH, 45246

DOT# 2505983 MC# 868786 West Chester, Ohio 12 years

CARRIER Legal name changed · Aug 10, 2026

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8

Power Units

12

Drivers

0

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

0

Inspections

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Deep records on this carrier, only on LoadWrap

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

Public record

2 events tracked · latest Aug 10, 2026 ↓ Show details ↓

Identity & ownership 1

Aug 10, 2026
Company legal name changed.

Insurance 1

Current
Active insurance on file ($1,000,000).

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

Company Information

Legal NameCOLD HARBOR CAPITAL

DBA NameRECOVERY AMERICA

DOT Number2505983

MC Number868786

Entity TypeCarrier

Operating StatusA - Active

LocationWest Chester, Ohio

Added05/14/2014

MCS-15003/26/2026

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address9772 PRINCETON GLENDALE ROAD, WEST CHESTER, OH, 45246

Mailing AddressP O BOX 56, WEST CHESTER, OH, 45071

Other Companies at This Address

Address9772 PRINCETON GLENDALE ROAD, WEST CHESTER, OH 45246

1

Others here

2

Distinct phones

1

Active

Company	DOT	Phone	Status
COLD HARBOR CAPITAL this company	2505983	Sign in	Active
EXPRESS TOWING & ROCOVERY SERVICE INC	828710	Sign in	Inactive

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC868786

CommonNot Active

ContractActive

BrokerNot Active

Operating12 years

Operation Classification

Authorized For Hire

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.

Unsafe Driving

measure 0 · 0 insp with violations

Clean

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 0 · 0 insp with violations

Clean

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage300,000 miles

Mileage Year2024

VMT SourceMCS-150 Form

Drivers

12

Interstate

0

Intrastate

0

CDL

12

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatYes

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$1,000,000

Type91X

VerifiedFMCSA · 06/25/2026

CompanyCUMIS INSURANCE SOCIETY INC

Policy #325708-000

Last checked08/10/2026

Quick Facts

StatusActive

TypeCarrier

Fleet8 units

Drivers12

Mileage300,000 mi

Operating12 years

MCS-15003/2026

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
91X	BIPD/Primary	MILFORD CASUALTY INSURANCE COMPANY	MPP102464305	$1,000,000	06/30/2024	06/30/2025	Replaced
91X	BIPD/Primary	MILFORD CASUALTY INSURANCE COMPANY	MPP1024643-04	$1,000,000	06/30/2023	06/30/2024	Replaced
91X	BIPD/Primary	MILFORD CASUALTY INSURANCE COMPANY	MPP102464303	$1,000,000	06/30/2022	06/30/2023	Replaced
91X	BIPD/Primary	MILFORD CASUALTY INSURANCE COMPANY	MPP102464302	$1,000,000	06/30/2021	06/30/2022	Replaced
91X	BIPD/Primary	MILFORD CASUALTY INSURANCE COMPANY	MPP102464301	$1,000,000	06/30/2020	06/30/2021	Replaced
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE COMPANY	MPP1019630-02	$1,000,000	06/30/2018	06/30/2020	Replaced
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE COMPANY	MPP1019630-01	$1,000,000	06/30/2017	06/30/2018	Replaced
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE COMPANY	MPP1019630 00	$1,000,000	06/30/2016	06/30/2016	Replaced
91X	BIPD/Primary	MILWAUKEE CASUALTY INSURANCE CO.	MPP1019630	$1,000,000	06/30/2016	06/30/2017	Replaced
91X	BIPD/Primary	AMERICAN SOUTHERN HOME INSURANCE COMPANY	H9A6TP0000469-00	$1,000,000	06/30/2015	06/30/2016	Cancelled
91X	BIPD/Primary	LIBERTY INSURANCE UNDERWRITERS	CAR215146-0114	$1,000,000	06/30/2014	06/30/2015	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC868786	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	07/09/2014	-	-
MC868786	CONTRACT	INVOLUNTARY REVOCATION	06/03/2016	DISCONTINUED REVOCATION	06/24/2016
MC868786	CONTRACT	INVOLUNTARY REVOCATION	06/03/2015	DISCONTINUED REVOCATION	07/01/2015

No revocation records.

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

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100/100

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

100, no deductions

Clean record, the bar stays full at 100.

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

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

Clean record, no deductions. This carrier starts and stays at 100.

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.