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S&K PROTECTION AGENCY LLC

Trust Score

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Company CheckS&K PROTECTION AGENCY LLC · DOT 4365521

DBA: MIDNIGHT RECOVERY SERVICES

7880 FEDERAL RD, HOWARD CITY, MI, 49329-9576

DOT# 4365521 Howard City, Michigan

MOTOR CARRIER

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Power Units

Drivers

Crashes (24-Month)

Not reported

Insurance

Not Rated

Safety Rating

Inspections

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Public record

3 events tracked · latest Apr 1, 2026 ↓ Show details ↓

Safety & compliance 3

Apr 1, 2026
Roadside inspection, 1 violation (no OOS).
Jul 22, 2025
Roadside inspection, 1 out-of-service violation.
Feb 21, 2025
Registered with FMCSA.

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

Contact Details

Phone(989) 287-0871

Email[email protected]

Physical Address7880 FEDERAL RD, HOWARD CITY, MI, 49329-9576

Mailing Address7880 FEDERAL RD, HOWARD CITY, MI, 49329-9576

Other Companies at This Address

Address7880 FEDERAL RD, HOWARD CITY, MI 49329-9576

Others here

Distinct phones

Active

Company	DOT	Phone	Status
S&K PROTECTION AGENCY LLC this company	4365521	(989) 287-0871	Active
STOWELL INVESTMENTS LLC	3729049	(989) 287-2278	Active

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 TypePRIVATE PROPERTY;OTHER;AUTHORIZED FOR HIRE

Carrier OperationB - Intrastate (Hazmat)

CommonN/A

ContractN/A

BrokerN/A

Company Overview

S&K PROTECTION AGENCY LLC is an motor carrier based in Howard City, Michigan. The fleet consists of 1 power unit and 2 drivers. With zero crashes across 2 inspections, S&K PROTECTION AGENCY LLC maintains an excellent safety record. Based on authority, insurance, safety, and compliance data, S&K PROTECTION AGENCY LLC has a Trust Score of 67/100 (Good).

Operation Classification

Authorized For HirePrivate (Property)

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 30 · 1 insp with violations

Below cutoff

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure 1.2 · 1 insp with violations

Below cutoff

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 0 · 0 insp with violations

Clean

Source: FMCSA SMS, updated monthly.

Drivers

Interstate

Intrastate

CDL

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 OOS50.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

Insurance

AmountNot reported

Type-

Effective-

Company-

Policy #-

Quick Facts

StatusActive

TypeMotor Carrier

Fleet1 units

Drivers2

MCS-15002/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total2

Out of Service1

OOS Rate50.0%

National Avg5.5%

Above National Average

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

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

2025

1 · 1 OOS -

2026

1 · 0 OOS ▼

Crashes

No crashes on record.

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 Apr 2026, 2 inspections, 1 resulted in out-of-service (50% OOS rate).

Driver Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Roadside Violations by Safety Category Last 24 months

3 roadside violations across 2 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

Unsafe Driving 2 violations · 0 OOS

Driver Fitness 1 violation · 1 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 (2)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
04/01/2026	MI	Driver-Only (Level III)	E/B M-32 @ MCCOY RD	1	0	1	0	0	0	-	▲Detail
07/22/2025	MI	Driver-Only (Level III)	US 131 @ 50 RD	2	1	2	1	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections2

Unsafe Driving 1 viols

Driver Fitness 1 viols

Licensing & Insurance

No insurance history records.

No active insurance policies.

No authority history.

No revocation records.

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

67/100

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 67

−25

Starts at 100−33 totalFinal 67

No insurance or bond on file−25

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

Operating history unknown−3

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Operating authority N/A

Not required for private carriers, a private carrier hauls its own goods and needs no for-hire operating authority (no MC number) under FMCSA.

Insurance on file with FMCSA

No active insurance / coverage amount on file.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-25

No insurance or bond on file FAILS VERIFICATION

No active insurance or surety bond is recorded with FMCSA, and no active authority that would require it.

-5

Driver out-of-service rate above national average

Driver OOS 50% vs national avg 5.51%.

-3

Operating history unknown

No authority grant date on file.

Where this company lands, risk scales

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 50% 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) knockout	−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&K PROTECTION AGENCY LLC

Trust Score

Public record

Company Information

Contact Details

Other Companies at This Address

Operating Authorities

Company Overview

Operation Classification

SMS BASIC Scores

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Roadside Violations by Safety Category Last 24 months

Inspection Records (2)

Safety Performance Percentiles

Licensing & Insurance

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