BOC-3 is one of those things every new carrier needs - and one of the easiest places to get fleeced. The filing itself is straightforward. The marketing around it is not.
Watch: BOC-3 Costs & Scams Explained
What is a BOC-3?
The BOC-3 (Blanket of Coverage) designates process agents in all 50 states (plus DC). Process agents receive legal documents on your behalf.
How much should a BOC-3 cost?
Pricing varies, but a legitimate blanket BOC-3 filing can cost $20 one time. The provider we identified advertises no annual renewal fee. Conditional charges can apply if the process agent must receive and forward legal documents.
Common BOC-3 scams (what to avoid)
- "BOC-3 subscription"- you don't need ongoing monthly monitoring for a basic filing.
- Upsells disguised as requirements- "compliance package," "DOT certificate," "required binder," etc.
- Scare emailspretending to be government agencies telling you you're "non-compliant" and must pay today.
What you actually need
- A legitimate process agent service that files your BOC-3
- Proof/confirmation that it was filed
- Consistency with your business details (name/address)
How to file it
Most carriers file BOC-3 through a process agent service. File it as soon as your authority application is submitted to avoid delays in activation.
FAQ
Do I need to re-file BOC-3 every year?
Usually no - but if your company details change, you may need an update.
Can I file BOC-3 myself?
It's typically filed through an authorized process agent service. The key is using a legit provider and not overpaying.