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GARNER FAMILY ENTERPRISES INC

Trust Score

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Company CheckGARNER FAMILY ENTERPRISES INC · DOT 564933

DBA: GARNERS

345 W BROADWAY, FORTVILLE, IN, 46040

DOT# 564933 MC# 275232 Fortville, Indiana 32 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$1,000,000

Insurance

Satisfactory

Safety Rating

Inspections

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Public record

8 events tracked · latest Jul 8, 2026 ↓ Show details ↓

Safety & compliance 7

Mar 31, 2026
Crash reported (no fatalities).
Mar 22, 2026
Crash reported (no fatalities).
Jan 14, 2026
Roadside inspection, 1 violation (no OOS).
Oct 21, 2025
Roadside inspection, 2 violations (no OOS).
Oct 6, 2025
Roadside inspection, 2 violations (no OOS).
Jul 8, 2025
Roadside inspection, 4 out-of-service violations.
Oct 20, 2024
Crash reported, 1 fatality.

Insurance 1

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

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

Contact Details

Phone(317) 485-5506

Fax(317) 485-4268

Email[email protected]

Physical Address345 W BROADWAY, FORTVILLE, IN, 46040

Mailing AddressPO BOX 334, FORTVILLE, IN, 46040

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC275232

CommonNot Active

ContractActive

BrokerNot Active

Operating32 years

Company Overview

GARNER FAMILY ENTERPRISES INC is a FMCSA-validated carrier based in Fortville, Indiana. The company has been in operation for 32 years, registered with the FMCSA on 06/01/1994. The fleet consists of 34 power units and 21 drivers. Annual mileage is reported at 1,455,387 miles (2024). The carrier has 3 reported crashes including 1 fatal incident. Driver and vehicle out-of-service rates exceed the national average, which may indicate compliance concerns. The carrier holds a Satisfactory safety rating from the FMCSA. Insurance coverage of $1,000,000 is on file through EMPLOYERS MUTUAL CASUALTY CO.. Active operating authorities include Contract. Based on authority, insurance, safety, and compliance data, GARNER FAMILY ENTERPRISES INC has a Trust Score of 85/100 (Excellent).

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 .7 · 5 insp with violations

Below cutoff

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure .55 · 2 insp with violations

Below cutoff

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 11.66 · 3 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage1,455,387 miles

Mileage Year2024

VMT SourceMCS-150 Form

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 RatingSatisfactory

Total Crashes (24-mo)3

Fatal1

Driver OOS18.2% avg 5.5%

Vehicle OOS25.0% avg 20.7%

SmartWay PartnerNo

Last Review08/28/2013

Insurance

Amount$1,000,000

Type91X

VerifiedFMCSA · 07/01/2026

CompanyEMPLOYERS MUTUAL CASUALTY CO.

Policy #5E46005

Quick Facts

StatusActive

TypeCarrier

Fleet34 units

Drivers21

Mileage1,455,387 mi

Operating32 years

MCS-15002/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)3

Fatal1

Injury2

Tow-Away0

Safety RatingSatisfactory

Driver Inspections

Total11

Out of Service2

OOS Rate18.2%

National Avg5.5%

Above National Average

Vehicle Inspections

Total4

Out of Service1

OOS Rate25.0%

National Avg20.7%

Above National Average

Last FMCSA Review: 08/28/2013 | Rated: 03/05/2021

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

5 · 2 OOS -

2024

4 · 1 OOS ▼

2025

8 · 2 OOS ▲

2026

1 · 0 OOS ▼

Crashes

2023

0 crashes -

2024

1 crash ▲

2025

0 crashes ▼

2026

2 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 Jan 2026, 11 inspections, 3 resulted in out-of-service (27.3% OOS rate).

Driver Out-of-Service 2 OOS

Vehicle Out-of-Service 4 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (3)

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
03/31/2026	TERRE HAUTE	IN	0	1	1	2	Clear	Wet	Daylight
03/22/2026	INDIANAPOLIS	IN	0	2	1	3	Clear	Dry	Dusk
10/20/2024	CO UNIT ROAD DIST TWP	IL	1	1	0	1	Clear	Dry	Dawn

Roadside Violations by Safety Category Last 24 months

18 roadside violations across 11 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 8 violations · 0 OOS

Vehicle Maintenance 8 violations · 4 OOS

Driver Fitness 2 violations · 2 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 (18)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
01/14/2026	IN	Driver-Only (Level III)	SEYMOUR IN	1	0	1	0	0	0	-	▲Detail
10/21/2025	IN	Driver-Only (Level III)	FISHERS IN	2	0	0	0	0	0	-	▲Detail
10/06/2025	IN	Driver-Only (Level III)	DUNREITH IN	2	0	0	0	0	0	-	▲Detail
07/08/2025	IN	Walk-Around (Level II)	SEYMOUR IN	5	4	0	0	0	4	-	▲Detail
06/17/2025	IL	Driver-Only (Level III)	I-74	1	0	0	0	0	0	-	▲Detail
05/22/2025	IN	Full (Level I)	SEYMOUR IN	2	1	0	1	0	0	-	▲Detail
04/21/2025	IN	Driver-Only (Level III)	KOKOMO IN	1	0	0	0	0	0	-	▲Detail
04/07/2025	SD	Driver-Only (Level III)	VALLEY SPRINGS SD	0	0	0	0	0	0	-	▲Detail
03/05/2025	IN	Walk-Around (Level II)	STRAUGHN IN	2	0	0	0	0	0	-	▲Detail
12/04/2024	MO	Driver-Only (Level III)	ST. LOUIS MO	2	1	0	1	0	0	-	▲Detail
10/20/2024	IL	Full (Level I)	I57 NB	0	0	0	0	0	0	-	▲Detail
02/24/2024	IN	Driver-Only (Level III)	INDIANAPOLIS IN	1	0	0	0	0	0	-	▲Detail
02/12/2024	IN	Driver-Only (Level III)	INDIANAPOLIS IN	1	0	0	0	0	0	-	▲Detail
11/13/2023	IN	Walk-Around (Level II)	LOWELL IN	3	2	0	0	0	2	-	▲Detail
10/26/2023	IN	Walk-Around (Level II)	LOWELL IN	0	0	0	0	0	0	-	▲Detail
07/27/2023	PA	Driver-Only (Level III)	I78 EAST AT EXIT RAMP 10	2	0	1	0	1	0	-	▲Detail
07/07/2023	IN	Walk-Around (Level II)	#13 I-65 SB LAKE	3	1	1	0	2	1	-	▲Detail
06/29/2023	IL	Walk-Around (Level II)	I-70 E/B	0	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections11

Unsafe Driving 5 viols

Driver Fitness 2 viols

Vehicle Maintenance 3 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN	02TRM017444-01	$1,000,000	05/16/2016	04/01/2017	Replaced
91X	BIPD/Primary	BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPAN	02TRM017444-01	$1,000,000	05/16/2016	05/16/2017	Cancelled
91X	BIPD/Primary	THE CINCINNATI INSURANCE CO.	EBA 002 49 44	$750,000	05/16/2010	05/16/2016	Replaced
91X	BIPD/Primary	MONROE GUARANTY INSURANCE COMPANY	MG127850	$750,000	05/16/1994	05/15/2010	Replaced
91X	BIPD/Primary	MONROE GUARANTY INSURANCE COMPANY	MG127850	$750,000	05/16/1994	02/23/2011	Cancelled
91X	BIPD/Primary	THE CINCINNATI INSURANCE CO.	EBA 002 49 44	$750,000	05/15/2010	05/16/2010	Replaced
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	5E46005	$1,000,000	04/01/2018	12/03/2019	Name Changed
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	5E46005	$750,000	04/01/2017	04/01/2018	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC275232	CONTRACT	INVOLUNTARY REVOCATION	11/21/2005	DISCONTINUED REVOCATION	10/28/2011
MC275232	CONTRACT	INVOLUNTARY REVOCATION	10/31/2019	DISCONTINUED REVOCATION	12/03/2019
MC275232	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	07/13/1994	-	-
MC275232	CONTRACT	INVOLUNTARY REVOCATION	01/27/2011	DISCONTINUED REVOCATION	02/08/2011
MC275232	MOTOR PROPERTY COMMON CARRIER	DISMISSED	01/14/1995	-	-

No revocation records.

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

85/100

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 85

Starts at 100−15 totalFinal 85

Fatal crash on record (rate-adjusted)−5

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

Vehicle 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

FMCSA shows active coverage on file as of 7/1/2026.

Safety rating not Unsatisfactory

Satisfactory FMCSA safety rating.

What's lowering this score

-5

Fatal crash on record (rate-adjusted)

Crash rate: 3 crash(es) across 34 vehicles (~0.09 per vehicle); 1 fatal (33% fatal). Scaled to fleet size and fatal severity.

-5

Driver out-of-service rate above national average

Driver OOS 18.1818% vs national avg 5.51%.

-5

Vehicle out-of-service rate above national average

Vehicle OOS 25% vs national avg 20.72%.

Where this company lands, risk scales

Crash history (rate-adjusted)−5 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 3 crash(es) across 34 vehicles (~0.09 per vehicle); 1 fatal (33% 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 18.1818% vs national avg 5.51%.

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 25% vs national avg 20.72%.

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.

GARNER FAMILY ENTERPRISES INC

Trust Score

Public record

Company Information

Contact Details

Operating Authorities

Company Overview

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (3)

Roadside Violations by Safety Category Last 24 months

Inspection Records (18)

Safety Performance Percentiles

Licensing & Insurance

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