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JIM GROVER

Trust Score

Excellent Why this score?

Company CheckJIM GROVER · DOT 665585

DBA: POLAR BEAR ENTERPRISES

52 GREEN MOUNTAIN DRIVE, MORRISVILLE, VT, 05661

DOT# 665585 MC# 598074 Morrisville, Vermont 19 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$1,000,000

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

2 events tracked · latest Sep 15, 2025 ↓ Show details ↓

Safety & compliance 1

Jan 9, 2025
Roadside inspection, 1 out-of-service violation.

Insurance 1

Sep 15, 2025
Insurance policy cancelled (AMGUARD INSURANCE COMPANY).

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

Contact Details

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EmailSign in to view

Physical Address52 GREEN MOUNTAIN DRIVE, MORRISVILLE, VT, 05661

Mailing Address52 GREEN MOUNTAIN DRIVE, MORRISVILLE, VT, 05661

Operating Authorities

Authority TypePRIVATE PROPERTY;LOCAL GOVERNMENT;STATE GOVERNMENT;AUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC598074

CommonActive

ContractNot Active

BrokerNot Active

Operating19 years

Operation Classification

Authorized For HirePrivate (Property)State GovernmentLocal Government

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 11 · 1 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage50,000 miles

Mileage Year2015

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)1

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS100.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$1,000,000

Type91X

Effective09/15/2025

CompanyUNITED FINANCIAL CASUALTY COMPANY

Policy #CA862864795

Last checked07/23/2026

Quick Facts

StatusActive

TypeCarrier

Fleet2 units

Drivers2

Mileage50,000 mi

Operating19 years

MCS-15008/2024

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)1

Fatal0

Injury0

Tow-Away1

Driver Inspections

Total1

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total1

Out of Service1

OOS Rate100.0%

National Avg20.7%

Above National Average

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

2024

0 · 0 OOS -

2025

1 · 1 OOS ▲

Crashes

2024

1 crash -

2025

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 Jan 2025, 1 inspections, 1 resulted in out-of-service (100% OOS rate).

Vehicle Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (1)

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
06/14/2024	MORRISTOWN	VT	0	0	1	2	Clear	Dry	Daylight

Inspection Records (1)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
01/09/2025	VT	Walk-Around (Level II)	FAIR HAVEN SCALE HOUSE	5	1	0	0	5	1	-	▲Detail

Safety Performance Percentiles

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

Total Inspections1

Vehicle Maintenance 1 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP531302	$1,000,000	09/15/2024	09/15/2025	Cancelled
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP426487	$1,000,000	09/15/2023	09/15/2024	Cancelled
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP321379	$1,000,000	09/15/2022	09/15/2023	Replaced
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP215681	$1,000,000	09/15/2021	09/15/2022	Replaced
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP111432	$1,000,000	09/15/2020	09/15/2021	Cancelled
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP007345	$1,000,000	09/15/2019	09/15/2020	Cancelled
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP903670	$1,000,000	09/15/2018	09/15/2019	Cancelled
91X	BIPD/Primary	AMGUARD INSURANCE COMPANY	K2GP800474	$1,000,000	09/15/2017	09/15/2018	Cancelled
91X	BIPD/Primary	PLAZA INSURANCE COMPANY	PTOWK007134-01	$1,000,000	09/15/2016	09/15/2017	Cancelled
91X	BIPD/Primary	PLAZA INSURANCE COMPANY	PTOWK007134-00	$1,000,000	09/15/2015	09/15/2016	Cancelled
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000209-02	$1,000,000	09/15/2014	09/15/2015	Cancelled
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000209-01	$1,000,000	09/15/2013	09/15/2014	Cancelled
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000209-00	$1,000,000	09/15/2012	09/15/2013	Cancelled
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000209-00	$1,000,000	09/15/2012	05/12/2013	Cancelled
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000209-00	$1,000,000	09/15/2012	09/15/2012	Replaced
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595PG04	$0	09/15/2011	09/15/2012	Cancelled
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595PG04	$1,000,000	09/15/2011	09/15/2012	Cancelled
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595PG03	$1,000,000	09/15/2010	06/29/2011	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595PG03	$0	09/15/2010	09/15/2010	Replaced
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595PG03	$1,000,000	09/15/2010	09/15/2010	Replaced
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595PG03	$0	09/15/2010	06/29/2011	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595PG03	$0	09/15/2010	09/15/2011	Cancelled
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595PG03	$1,000,000	09/15/2010	09/15/2011	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595PG02	$0	09/15/2009	09/15/2010	Cancelled
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595PG02	$1,000,000	09/15/2009	09/15/2010	Cancelled
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT-101595-PG01	$1,000,000	09/15/2008	09/15/2009	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AEOTT-101595-PG01	$0	09/15/2008	09/15/2009	Cancelled
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595CA02	$1,000,000	09/15/2007	09/15/2008	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595CA02	$0	09/15/2007	09/15/2007	Replaced
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595CA02	$0	09/15/2007	09/15/2007	Replaced
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595CA02	$1,000,000	09/15/2007	09/15/2007	Replaced
91X	BIPD/Primary	SUA INSURANCE COMPANY	10AEOTT101595CA02	$1,000,000	09/15/2007	09/15/2007	Replaced
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595CA02	$0	09/15/2007	09/15/2008	Cancelled
91X	BIPD/Primary	SPECIALTY UNDERWRITERS ALLIANCE	10AEOTT-101595CA01	$1,000,000	09/15/2006	09/15/2007	Cancelled
34	CARGO	SUA INSURANCE COMPANY	10AEOTT101595CA01	$0	03/16/2007	09/15/2007	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC598074	MOTOR PROPERTY COMMON CARRIER	REINSTATED	12/31/2015	-	-
MC598074	COMMON	INVOLUNTARY REVOCATION	08/21/2017	DISCONTINUED REVOCATION	09/18/2017
MC598074	COMMON	INVOLUNTARY REVOCATION	08/20/2018	DISCONTINUED REVOCATION	09/18/2018
MC598074	COMMON	INVOLUNTARY REVOCATION	08/20/2012	DISCONTINUED REVOCATION	09/18/2012
MC598074	COMMON	INVOLUNTARY REVOCATION	08/20/2007	DISCONTINUED REVOCATION	09/17/2007
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2025	DISCONTINUED REVOCATION	09/11/2025
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2024	DISCONTINUED REVOCATION	09/12/2024
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2021	DISCONTINUED REVOCATION	09/15/2021
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2020	DISCONTINUED REVOCATION	09/16/2020
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2019	DISCONTINUED REVOCATION	09/16/2019
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2016	DISCONTINUED REVOCATION	09/16/2016
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2014	DISCONTINUED REVOCATION	09/16/2014
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2013	DISCONTINUED REVOCATION	09/16/2013
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2011	DISCONTINUED REVOCATION	09/16/2011
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2010	DISCONTINUED REVOCATION	09/16/2010
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2009	DISCONTINUED REVOCATION	09/15/2009
MC598074	COMMON	INVOLUNTARY REVOCATION	08/19/2008	DISCONTINUED REVOCATION	09/16/2008
MC598074	COMMON	INVOLUNTARY REVOCATION	04/15/2013	DISCONTINUED REVOCATION	04/16/2013
MC598074	MOTOR PROPERTY COMMON CARRIER	GRANTED	04/06/2007	REVOKED	09/21/2015

No revocation records.

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

87/100

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 87

−8

Starts at 100−13 totalFinal 87

Crashes on record (rate-adjusted)−8

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

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-8

Crashes on record (rate-adjusted)

Crash rate: 1 crash(es) across 2 vehicles (~0.5 per vehicle); none fatal. Scaled to fleet size and fatal severity.

-5

Vehicle out-of-service rate above national average

Vehicle OOS 100% vs national avg 20.72%.

Where this company lands, risk scales

Crash history (rate-adjusted)−8 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 1 crash(es) across 2 vehicles (~0.5 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 100% 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.

JIM GROVER

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 (1)

Inspection Records (1)

Safety Performance Percentiles

Licensing & Insurance

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