What is blanket-of-coverage on a BOC-3?
A "blanket" BOC-3 names a single process-agent provider whose registered agents cover all 50 states + D.C., rather than naming 51 different agents one per state. A blanket-coverage provider has one BOC-91 on file and a network of agents in every state under that single registration. Most BOC-3 filings are blanket.
The BOC-3 form has 50 lines (one per state, plus D.C.). Each line names a person or company physically located in that state who can accept legal service on behalf of the carrier. A carrier without blanket coverage would have to identify 51 separate process agents, get each one's signed acknowledgment, and list all 51 on the form.
Blanket coverage compresses the work to one. A blanket-coverage provider has its own BOC-91 registration, a contracted network of registered agents in every state, and authority to put its name on every line of the BOC-3. The carrier names the provider once; the provider's network handles the per-state agent obligations behind the scenes.
Pricing is typically a flat fee for blanket coverage ($50-$99 one-time at most national providers). Per-state pricing models are largely extinct in 2026 because the operational overhead of managing 51 separate process agents — and the risk of a single-state agent failing — is much higher than rolling up under a blanket provider.
For the carrier, the practical advantage of blanket coverage is that any legal process initiated in any state in the U.S. has a designated agent who can accept it. The provider then forwards the legal documents to the carrier. Carriers with state-by-state designations have to confirm coverage in every state before relying on it.