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FIRST OPTION FINANCIAL SERVICES LLC

Trust Score

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Company CheckFIRST OPTION FINANCIAL SERVICES LLC · DOT 2854703

DBA: US FREIGHT LOGISTICS SERVICES

1820 LAKE WORTH RD, LAKE WORTH BEACH, FL, 33461

DOT# 2854703 MC# 955674 Lake Worth Beach, Florida 10 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 Nov 12, 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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Physical Address1820 LAKE WORTH RD, LAKE WORTH BEACH, FL, 33461

Mailing Address1820 LAKE WORTH RD, LAKE WORTH BEACH, FL, 33461

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 · 10/22/2026

Required$75,000 (FMCSA min)

Last checked11/12/2026

TypeSurety Bond (BMC-84)

Surety / TrusteePHILADELPHIA INDEMNITY INSURANCE COMPANY

Contact☎ (800) 765-9749
🌐 phly.com

Filings on record6

Bond cancelled Apr 24, 2023 by NATIONWIDE MUTUAL INSURANCE COMP. 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

NATIONWIDE MUTUAL INSURANCE COMPMar 2022 to Apr 2023 · CANCELLED

PHILADELPHIA INDEMNITY INSURANCE COMPANYAug 2021 to Sep 2021 · CANCELLED

PHILADELPHIA INDEMNITY INSURANCE COMPANYFeb 2020 to Apr 2021 · CANCELLED

HUDSON INSURANCE COMPANYMar 2019 to Feb 2020 · CANCELLED

PLATTE RIVER INSURANCE COMPANYMar 2017 to Mar 2019 · replaced

AMERICAN CONTRACTORS INDEMNITY COMPANYMar 2016 to Mar 2017 · replaced

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Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationC - Intrastate (Non-Hazmat)

DocketMC955674

CommonNot Active

ContractNot Active

BrokerInactive

Operating10 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 · 10/22/2026

Last checked11/12/2026

Quick Facts

StatusActive

TypeBroker

Operating10 years

MCS-15005/2025

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	PHILADELPHIA INDEMNITY INSURANCE COMPANY	PB12237401334	$0	08/25/2021	09/26/2021	Cancelled
84	SURETY	NATIONWIDE MUTUAL INSURANCE COMP	7901096169	$0	03/14/2022	04/24/2023	Cancelled
84	SURETY	HUDSON INSURANCE COMPANY	10088090	$0	03/01/2019	02/29/2020	Cancelled
84	SURETY	PLATTE RIVER INSURANCE COMPANY	41369003	$0	03/01/2017	03/01/2019	Replaced
84	SURETY	AMERICAN CONTRACTORS INDEMNITY COMPANY	100301187	$0	03/01/2016	03/01/2017	Replaced
84	SURETY	PHILADELPHIA INDEMNITY INSURANCE COMPANY	PB11729000712	$0	02/29/2020	04/15/2021	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC955674	PROPERTY BROKER	REINSTATED	08/25/2021	REVOKED	10/04/2021
MC955674	PROPERTY BROKER	REINSTATED	05/02/2022	REVOKED	05/01/2023
MC955674	PROPERTY BROKER	GRANTED	03/04/2016	REVOKED	04/21/2021
MC955674	BROKER	INVOLUNTARY REVOCATION	02/03/2020	DISCONTINUED REVOCATION	03/03/2020

No revocation records.

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

75/100

Good

NOT 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 75

−25

Starts at 100−25 totalFinal 75

No insurance or bond on file−25

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

FMCSA shows coverage is required for this authority, but no active insurance or surety bond is on file as of 10/22/2026.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-25

No insurance or bond on file FAILS VERIFICATION

FMCSA shows insurance is required but no active insurance or surety bond is currently on file (per the latest FMCSA filing as of 10/22/2026).

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.

FIRST OPTION FINANCIAL SERVICES LLC

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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