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S&J PREMIUM INC

Trust Score

Excellent Why this score?

Company CheckS&J PREMIUM INC · DOT 3545296

132 LYNDHURST DR, LA VERGNE, TN, 37086

DOT# 3545296 MC# 1185251 La Vergne, Tennessee 5 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$750,000

Insurance

Not Rated

Safety Rating

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

8 events tracked · latest Sep 10, 2026 ↓ Show details ↓

Safety & compliance 7

Jun 23, 2026
Roadside inspection, 3 violations (no OOS).
May 30, 2026
Roadside inspection, 1 out-of-service violation.
Feb 10, 2026
Roadside inspection, 1 out-of-service violation.
Feb 9, 2026
Roadside inspection, 1 violation (no OOS).
Oct 16, 2025
DISCONTINUED REVOCATION COMMON.
Apr 8, 2025
Crash reported (no fatalities).
Dec 16, 2024
DISCONTINUED REVOCATION COMMON.

Insurance 1

Current
Active insurance on file ($750,000).

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

Contact Details

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Physical Address132 LYNDHURST DR, LA VERGNE, TN, 37086

Mailing Address132 LYNDHURST DR, LA VERGNE, TN, 37086

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC1185251

CommonActive

ContractNot Active

BrokerNot Active

Operating5 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 12.81 · 6 insp with violations

Below cutoff

Hours-of-Service Compliance

measure .95 · 2 insp with violations

Below cutoff

Driver Fitness

measure .17 · 1 insp with violations

Below cutoff

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 1.2 · 1 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage644,874 miles

Mileage Year2025

VMT SourceMCS-150 Form

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)2

Fatal0

Driver OOS6.7% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Last Review03/06/2025

Insurance

Amount$750,000

Type91X

VerifiedFMCSA · 07/08/2026

CompanyBENCHMARK SPECIALTY INSURANCE CO.

Policy #FLBSIC-1611-01777

Last checked09/09/2026

Quick Facts

StatusActive

TypeCarrier

Fleet5 units

Drivers5

Mileage644,874 mi

Operating5 years

MCS-15008/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)2

Fatal0

Injury2

Tow-Away0

Driver Inspections

Total15

Out of Service1

OOS Rate6.7%

National Avg5.5%

Above National Average

Vehicle Inspections

Total4

Out of Service0

OOS Rate0.0%

National Avg20.7%

Below National Average

Last FMCSA Review: 03/06/2025

Safety Trends by Year

Roadside inspections and crashes on file, year over year. The red portion of each inspection bar is the out-of-service share; ▲/▼ compares to the prior year.

Inspections · red = OOS

2023

3 · 1 OOS -

2024

7 · 2 OOS ▲

2025

6 · 0 OOS ▼

2026

6 · 2 OOS ▲

Crashes

2023

0 crashes -

2024

1 crash ▲

2025

1 crash =

2026

0 crashes ▼

Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.

Out-of-Service Summary Last 24 months

Live FMCSA roadside inspections through Jun 2026, 15 inspections, 2 resulted in out-of-service (13.3% OOS rate).

Driver Out-of-Service 1 OOS

Vehicle Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (2)

Full crash history on file (all years), newest first. This list may show more than the headline Crashes figure above, because that figure follows the official FMCSA 24-month SMS window used for the Trust Score, older crashes still appear here for transparency.

Date	Location	State	Fatal	Injuries	Tow	Vehicles	Weather	Road	Light
04/08/2025	NOT IN CITY LIMIT	TN	0	1	1	1	Other/Unknown	Dry	Dawn
07/03/2024	ATLANTA	GA	0	3	1	2	Clear	Dry	Daylight

Roadside Violations by Safety Category Last 24 months

30 roadside violations across 15 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.

ViolationsOut-of-service

Vehicle Maintenance 13 violations · 2 OOS

Unsafe Driving 10 violations · 0 OOS

Hours-of-Service (HOS) Compliance 2 violations · 1 OOS

Driver Fitness 1 violation · 0 OOS

Other (General) 4 violations · 0 OOS

Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.

Inspection Records (22)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
06/23/2026	GA	Driver-Only (Level III)	CAIRO GA	3	0	1	0	2	0	-	▲Detail
05/30/2026	GA	Driver-Only (Level III)	BYRON GA	3	1	3	1	0	0	-	▲Detail
02/10/2026	TN	Full (Level I)	MOHAWK TN	4	1	0	0	4	1	-	▲Detail
02/09/2026	KY	Driver-Only (Level III)	UNION	1	0	1	0	0	0	-	▲Detail
01/21/2026	GA	Driver-Only (Level III)	PERRY GA	1	0	0	0	1	0	-	▲Detail
01/05/2026	GA	Driver-Only (Level III)	JACKSON GA	2	0	1	0	1	0	-	▲Detail
08/22/2025	TN	Walk-Around (Level II)	ARDMORE TN	1	0	0	0	0	0	-	▲Detail
04/08/2025	TN	Driver-Only (Level III)	WARTRACE TN	0	0	0	0	0	0	-	▲Detail
04/01/2025	TN	Full (Level I)	GILES COUNTY SCALES	6	0	0	0	6	0	-	▲Detail
03/11/2025	TN	Driver-Only (Level III)	MANCHESTER TN	0	0	0	0	0	0	-	▲Detail
02/18/2025	GA	Driver-Only (Level III)	VALDOSTA GA	2	0	0	0	0	0	-	▲Detail
01/26/2025	TN	Driver-Only (Level III)	MANCHESTER TN	0	0	0	0	0	0	-	▲Detail
10/21/2024	TN	Full (Level I)	MANCHESTER TN	1	0	0	0	0	0	-	▲Detail
10/11/2024	TN	Full (Level I)	MANCHESTER TN	0	0	0	0	0	0	-	▲Detail
09/20/2024	NC	Driver-Only (Level III)	I40 AT EXT 37	2	0	2	0	0	0	-	▲Detail
07/21/2024	TN	Driver-Only (Level III)	GOODLETTSVILLE TN	1	0	0	0	0	0	-	▲Detail
05/15/2024	TN	Driver-Only (Level III)	GILES COUNTY SCALES	2	2	0	2	0	0	-	▲Detail
03/25/2024	KY	Walk-Around (Level II)	FRANKLIN	3	0	2	0	1	0	-	▲Detail
01/19/2024	GA	Driver-Only (Level III)	FORSYTH GA	2	1	0	1	0	0	-	▲Detail
11/17/2023	GA	Driver-Only (Level III)	MULTI-LANE RURAL HIGHWAY	2	0	2	0	0	0	-	▲Detail
10/05/2023	TN	Full (Level I)	I24	0	0	0	0	0	0	-	▲Detail
09/05/2023	GA	Driver-Only (Level III)	HIGH CRASH CORRIDOR	2	1	2	1	0	0	-	▲Detail

Safety Performance Percentiles

FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.

Total Inspections14

Unsafe Driving 6 viols

HOS Compliance 2 viols

Driver Fitness 1 viols

Vehicle Maintenance 1 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	KNIGHT SPECIALTY INSURANCE COMPANY	AFXTN001451-00	$750,000	12/30/2022	04/06/2023	Cancelled
91X	BIPD/Primary	CIRCLE STAR INSURANCE CO., A R R G	AL306350-24776	$750,000	10/31/2024	12/13/2024	Replaced
91X	BIPD/Primary	CIRCLE STAR INSURANCE CO., A R R G	AL306350-24776	$750,000	10/31/2024	01/09/2025	Cancelled
91X	BIPD/Primary	CANAL INSURANCE CO.	CT1011783961	$750,000	10/31/2023	10/31/2024	Cancelled
91X	BIPD/Primary	KNIGHT SPECIALTY INSURANCE COMPANY	AFXTN001451-00	$750,000	07/27/2022	12/30/2022	Replaced
91X	BIPD/Primary	KNIGHT SPECIALTY INSURANCE COMPANY	AFXTN001451-00	$750,000	07/27/2022	01/31/2023	Cancelled
91X	BIPD/Primary	KNIGHT SPECIALTY INSURANCE COMPANY	AFXTN001451-00	$750,000	04/06/2022	07/27/2022	Replaced
91X	BIPD/Primary	KNIGHT SPECIALTY INSURANCE COMPANY	AFXTN001451-00	$750,000	04/06/2022	08/25/2022	Cancelled
91X	BIPD/Primary	PROGRESSIVE HAWAII INSURANCE CORP	CA968311392	$750,000	04/04/2023	10/31/2023	Replaced
91X	BIPD/Primary	PROGRESSIVE HAWAII INSURANCE CORP	CA968311392	$750,000	04/04/2023	11/02/2023	Cancelled
91X	BIPD/Primary	AMTRUST INSURANCE COMPANY	KMC1062318	$750,000	04/01/2021	04/01/2021	Replaced
91X	BIPD/Primary	AMTRUST INSURANCE COMPANY	KMC1062318	$750,000	04/01/2021	11/13/2021	Cancelled
91X	BIPD/Primary	AMTRUST INSURANCE COMPANY	KMC1062318	$750,000	04/01/2021	11/17/2021	Cancelled
91X	BIPD/Primary	AMTRUST INSURANCE COMPANY	KMC1062318	$750,000	04/01/2021	04/01/2022	Cancelled
91X	BIPD/Primary	AMTRUST INSURANCE COMPANY	KMC1062318	$750,000	04/01/2021	04/01/2021	Replaced
91X	BIPD/Primary	AMTRUST INSURANCE COMPANY	KMC1062318	$750,000	04/01/2021	09/15/2021	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC1185251	COMMON	INVOLUNTARY REVOCATION	12/13/2024	DISCONTINUED REVOCATION	12/16/2024
MC1185251	COMMON	INVOLUNTARY REVOCATION	10/21/2021	DISCONTINUED REVOCATION	11/17/2021
MC1185251	COMMON	INVOLUNTARY REVOCATION	10/06/2025	DISCONTINUED REVOCATION	10/16/2025
MC1185251	COMMON	INVOLUNTARY REVOCATION	10/06/2023	DISCONTINUED REVOCATION	11/01/2023
MC1185251	COMMON	INVOLUNTARY REVOCATION	10/04/2024	DISCONTINUED REVOCATION	10/30/2024
MC1185251	COMMON	INVOLUNTARY REVOCATION	08/19/2021	DISCONTINUED REVOCATION	08/20/2021
MC1185251	MOTOR PROPERTY COMMON CARRIER	GRANTED	04/12/2021	-	-
MC1185251	COMMON	INVOLUNTARY REVOCATION	03/10/2023	DISCONTINUED REVOCATION	04/06/2023
MC1185251	COMMON	INVOLUNTARY REVOCATION	03/07/2022	DISCONTINUED REVOCATION	04/08/2022

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

−7

Starts at 100−12 totalFinal 88

Crashes on record (rate-adjusted)−7

Driver out-of-service rate above national average−5

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

-7

Crashes on record (rate-adjusted)

Crash rate: 2 crash(es) across 5 vehicles (~0.4 per vehicle); none fatal. Scaled to fleet size and fatal severity.

-5

Driver out-of-service rate above national average

Driver OOS 6.6667% vs national avg 5.51%.

Where this company lands, risk scales

Crash history (rate-adjusted)−7 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 2 crash(es) across 5 vehicles (~0.4 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 6.6667% vs national avg 5.51%.

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.

S&J PREMIUM INC

Trust Score

Public record

Company Information

Contact Details

Operating Authorities

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (2)

Roadside Violations by Safety Category Last 24 months

Inspection Records (22)

Safety Performance Percentiles

Licensing & Insurance

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