Insurance Verification compares a COI you upload, or one a broker sends you, with what FMCSA has on file for that carrier: policy on file, limits and effective dates. A lapsed or fake COI gets caught before it costs you a load. FMCSA Profile shows your own USDOT and MC status, operating authority and insurance filings as FMCSA sees them, which is also what the load board uses to verify you.