B&G ENTERPRISES II LLC
Public record
8 events tracked · latest Sep 9, 2026 ↓ Show details ↓- Jun 29, 2026Clean roadside inspection, no violations.
- Jun 7, 2026Clean roadside inspection, no violations.
- May 29, 2026Roadside inspection, 2 violations (no OOS).
- May 27, 2026Roadside inspection, 1 violation (no OOS).
- May 21, 2026Crash reported, 1 fatality.
- Jan 16, 2026Crash reported (no fatalities).
- Jan 4, 2025Crash reported (no fatalities).
- CurrentActive insurance on file ($1,000,000).
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
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.
Out-of-Service Summary Last 24 months
Live FMCSA roadside inspections through Jun 2026, 58 inspections, 2 resulted in out-of-service (3.4% OOS rate).
Crash Records (4)
| Date | Location | State | Fatal | Injuries | Tow | Vehicles | Weather | Road | Light |
|---|---|---|---|---|---|---|---|---|---|
| 05/21/2026 | BIG BEND | WI | 1 | 1 | 1 | 2 | Clear | Dry | Daylight |
| 01/16/2026 | ONALASKA | WI | 0 | 2 | 1 | 2 | Clear | Wet | Daylight |
| 01/04/2025 | FORT WINNEBAGO | WI | 0 | 1 | 1 | 2 | Clear | Dry | Daylight |
| 12/30/2024 | PORT WENTWORTH | GA | 0 | 0 | 1 | 2 | Clear | Dry | Daylight |
Roadside Violations by Safety Category Last 24 months
112 roadside violations across 58 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.
Inspection Records (86)
| Date | State | Level | Location | Violations | OOS | Driver Viol | Driver OOS | Vehicle Viol | Vehicle OOS | HazMat | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 06/29/2026 | MO | Driver-Only (Level III) | ST GENEVIEVE MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/07/2026 | ND | Driver-Only (Level III) | BUXTON ND | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/29/2026 | MN | Driver-Only (Level III) | WEST LAKELAND MN | 2 | 0 | 2 | 0 | 0 | 0 | - | ▲Detail |
| 05/27/2026 | MO | Full (Level I) | STEELE MO | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 05/26/2026 | WI | Full (Level I) | BIG BEND WI | 19 | 0 | 2 | 0 | 3 | 0 | - | ▲Detail |
| 05/19/2026 | IL | Driver-Only (Level III) | I-90 | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/20/2026 | WI | Walk-Around (Level II) | HANCOCK WI | 5 | 0 | 2 | 0 | 3 | 0 | - | ▲Detail |
| 04/06/2026 | WI | Walk-Around (Level II) | STOUGHTON WI | 4 | 0 | 3 | 0 | 1 | 0 | - | ▲Detail |
| 03/13/2026 | MN | Driver-Only (Level III) | WEST LAKELAND MN | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 03/12/2026 | MN | Driver-Only (Level III) | DETROIT LAKES MN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/02/2026 | IN | Full (Level I) | LOWELL IN | 6 | 0 | 3 | 0 | 3 | 0 | - | ▲Detail |
| 02/23/2026 | IL | Driver-Only (Level III) | 242 - INTERSTATE 55 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/19/2026 | TN | Driver-Only (Level III) | MANCHESTER TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/18/2026 | WI | Driver-Only (Level III) | ASHWAUBENON WI | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 02/02/2026 | MN | Driver-Only (Level III) | WEST LAKELAND MN | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 01/16/2026 | WI | Driver-Only (Level III) | ONALASKA WI | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 01/15/2026 | MN | Driver-Only (Level III) | WEST LAKELAND MN | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 12/26/2025 | IN | Driver-Only (Level III) | WARSAW IN | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 12/08/2025 | IN | Driver-Only (Level III) | COLUMBUS IN | 2 | 0 | 2 | 0 | 0 | 0 | - | ▲Detail |
| 11/12/2025 | KY | Driver-Only (Level III) | LEXINGTON | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 10/29/2025 | NC | Driver-Only (Level III) | ASHEVILLE WEIGH STATION, I-40, | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/20/2025 | MO | Driver-Only (Level III) | ST. LOUIS MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/13/2025 | WI | Driver-Only (Level III) | HUDSON WI | 4 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/25/2025 | IL | Driver-Only (Level III) | 032 - LITCHFIELD - I-55 N/B | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/16/2025 | WV | Walk-Around (Level II) | WINFIELD WV | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/09/2025 | MO | Driver-Only (Level III) | KINGDOM CITY MO | 3 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/03/2025 | IL | Driver-Only (Level III) | IL RT 47 AT IL RT 116 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/26/2025 | WI | Walk-Around (Level II) | JANESVILLE WI | 1 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 08/21/2025 | IL | Driver-Only (Level III) | I-55 SB | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/12/2025 | MO | Driver-Only (Level III) | STEELE MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/23/2025 | MI | Driver-Only (Level III) | I-75 S/B @ WOODRUFF | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/21/2025 | WI | Full (Level I) | HUDSON WI | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/17/2025 | MO | Driver-Only (Level III) | CLARENCE MO | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/07/2025 | MN | Full (Level I) | MOORHEAD MN | 5 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/02/2025 | WI | Walk-Around (Level II) | HANCOCK WI | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/12/2025 | NM | Driver-Only (Level III) | CLAYTON PORT OF ENTRY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/02/2025 | MI | Walk-Around (Level II) | M66 NEAR COLBY RD | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 04/14/2025 | MN | Full (Level I) | WEST LAKELAND MN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/28/2025 | MN | Driver-Only (Level III) | ERSKINE MN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/12/2025 | IN | Driver-Only (Level III) | GROVERTOWN IN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/04/2025 | WI | Walk-Around (Level II) | JANESVILLE WI | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/19/2025 | IA | Walk-Around (Level II) | SB HWY 61 / LECLAIRE RD EXIT | 3 | 0 | 1 | 0 | 2 | 0 | - | ▲Detail |
| 01/23/2025 | MN | Driver-Only (Level III) | WEST LAKELAND MN | 4 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/06/2025 | MN | Walk-Around (Level II) | WEST LAKELAND MN | 4 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/04/2025 | WI | Full (Level I) | PORTAGE WI | 3 | 0 | 2 | 0 | 0 | 0 | - | ▲Detail |
| 12/30/2024 | GA | Walk-Around (Level II) | PORT WENTWORTH GA | 4 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/16/2024 | WI | Walk-Around (Level II) | JANESVILLE WI | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/12/2024 | MO | Driver-Only (Level III) | ST. LOUIS MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/09/2024 | MO | Driver-Only (Level III) | ST GENEVIEVE MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/01/2024 | WI | Driver-Only (Level III) | STOUGHTON WI | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/26/2024 | MO | Driver-Only (Level III) | ST. LOUIS MO | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/17/2024 | SD | Driver-Only (Level III) | SISSETON SD | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/10/2024 | IA | Walk-Around (Level II) | 16 - I380 SB MM 53 BRANDON | 4 | 0 | 3 | 0 | 1 | 0 | - | ▲Detail |
| 10/10/2024 | IL | Driver-Only (Level III) | IL 336 @ US 67 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/25/2024 | AR | Driver-Only (Level III) | CORNING AR | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/24/2024 | WI | Full (Level I) | JANESVILLE WI | 7 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 09/20/2024 | MN | Driver-Only (Level III) | WEST LAKELAND MN | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/09/2024 | TN | Driver-Only (Level III) | BLOUNTVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/04/2024 | IL | Driver-Only (Level III) | 032 - LITCHFIELD - I-55 N/B | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/22/2024 | IL | Walk-Around (Level II) | 032 - LITCHFIELD - I-55 N/B | 1 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 08/13/2024 | MO | Walk-Around (Level II) | ST. LOUIS MO | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/09/2024 | OK | Driver-Only (Level III) | LOVE PORT OF ENTRY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/25/2024 | MN | Driver-Only (Level III) | MOORHEAD MN | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/15/2024 | IA | Driver-Only (Level III) | 15 - I380 NB MM 51 BRANDON | 4 | 0 | 3 | 0 | 1 | 0 | - | ▲Detail |
| 07/06/2024 | IA | Driver-Only (Level III) | 15 - I380 NB MM 51 BRANDON | 5 | 0 | 4 | 0 | 1 | 0 | - | ▲Detail |
| 06/21/2024 | MO | Walk-Around (Level II) | CHARLESTON MO | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/14/2024 | WI | Full (Level I) | MADISON SWEF | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/10/2024 | IL | Driver-Only (Level III) | I-90 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/02/2024 | MN | Driver-Only (Level III) | VERNDALE MN | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/06/2024 | WI | Walk-Around (Level II) | CAMBRIDGE WI | 4 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/04/2024 | NC | Driver-Only (Level III) | MADISON COUNTY WEL CTR, I-26, | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/31/2024 | IL | Driver-Only (Level III) | I-55 NORTH | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/30/2024 | MO | Walk-Around (Level II) | ST. LOUIS MO | 5 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/29/2024 | IN | Driver-Only (Level III) | VALPARAISO IN | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/14/2023 | WI | Walk-Around (Level II) | CAMBRIDGE WI | 6 | 3 | 0 | 1 | 0 | 2 | - | ▲Detail |
| 12/11/2023 | IL | Driver-Only (Level III) | IL148 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/01/2023 | WI | Driver-Only (Level III) | HANCOCK WI | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/30/2023 | MO | Driver-Only (Level III) | ST. LOUIS MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/19/2023 | AR | Driver-Only (Level III) | CRITTENDEN CO (BRIDGEPORT STN) | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 10/18/2023 | AR | Driver-Only (Level III) | CRITTENDEN CO (RIVERSIDE STN) | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/11/2023 | WI | Walk-Around (Level II) | COLOMA SWEF | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 09/20/2023 | WI | Driver-Only (Level III) | CLAYTON (TOWN) | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/19/2023 | NC | Driver-Only (Level III) | 40 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/14/2023 | WI | Walk-Around (Level II) | STH 73 @ CTH B | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 08/22/2023 | WI | Walk-Around (Level II) | MADISON SWEF | 6 | 1 | 0 | 0 | 6 | 1 | - | ▲Detail |
| 08/19/2023 | WY | Walk-Around (Level II) | SHERIDAN/DIETZ POE | 1 | 1 | 0 | 0 | 1 | 1 | - | ▲Detail |
Safety Performance Percentiles
FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.
Licensing & Insurance
| Form | Type | Insurance Company | Policy | Coverage | Effective | Cancel Date | Method |
|---|---|---|---|---|---|---|---|
| 34 | CARGO | CHICAGO INSURANCE CO. | TPC2002017 | $0 | 12/14/1999 | 08/25/2000 | Cancelled |
| 91X | BIPD/Primary | STAR INSURANCE COMPANY | CA0641154 | $750,000 | 11/10/2010 | 11/01/2010 | Replaced |
| 91X | BIPD/Primary | TRUMBULL INSURANCE COMPANY | VT 0003369 | $1,000,000 | 11/10/1999 | 08/25/2000 | Cancelled |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | LTO0005050 | $750,000 | 11/01/2011 | 07/24/2012 | Replaced |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | LTO0005050 | $750,000 | 11/01/2011 | 08/20/2012 | Name Changed |
| 34 | CARGO | HANOVER INSURANCE CO. | IHD 8912067 | $0 | 11/01/2010 | 08/20/2012 | Name Changed |
| 91X | BIPD/Primary | STAR INSURANCE COMPANY | CA0641154 | $750,000 | 11/01/2010 | 11/01/2011 | Replaced |
| 34 | CARGO | NATIONAL CASUALTY COMPANY | OPO0031266 | $0 | 11/01/2009 | 11/01/2010 | Cancelled |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | OPO0031266 | $1,000,000 | 11/01/2009 | 11/01/2010 | Cancelled |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | OPO0028578 | $1,000,000 | 11/01/2008 | 10/22/2008 | Replaced |
| 34 | CARGO | NATIONAL CASUALTY COMPANY | OPO0028578 | $0 | 11/01/2008 | 11/01/2009 | Cancelled |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | OPO0028578 | $1,000,000 | 11/01/2008 | 11/01/2009 | Cancelled |
| 34 | CARGO | CAROLINA CASUALTY INSURANCE CO. | 473584 | $0 | 11/01/2007 | 11/01/2008 | Cancelled |
| 91X | BIPD/Primary | CAROLINA CASUALTY INSURANCE CO. | 473584 | $750,000 | 11/01/2007 | 10/22/2008 | Replaced |
| 91X | BIPD/Primary | CAROLINA CASUALTY INSURANCE CO. | 473584 | $750,000 | 11/01/2007 | 11/01/2008 | Cancelled |
| 34 | CARGO | CAROLINA CASUALTY INSURANCE CO. | 473554 | $0 | 11/01/2006 | 11/01/2007 | Cancelled |
| 91X | BIPD/Primary | CAROLINA CASUALTY INSURANCE CO. | 473554 | $750,000 | 11/01/2006 | 11/01/2007 | Cancelled |
| 91X | BIPD/Primary | PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 3520336 | $1,000,000 | 10/22/2008 | 12/02/2008 | Cancelled |
| 91X | BIPD/Primary | PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 3520336 | $1,000,000 | 10/22/2008 | 11/01/2008 | Replaced |
| 91X | BIPD/Primary | GREAT WEST CASUALTY CO. | GWP25215A | $1,000,000 | 10/11/2004 | 11/01/2006 | Cancelled |
| 34 | CARGO | GREAT WEST CASUALTY CO. | GWP25215A | $0 | 10/11/2004 | 11/01/2006 | Cancelled |
| 91X | BIPD/Primary | TRANSGUARD INSURANCE COMPANY OF AMERICA INC. | TCP201466 | $1,000,000 | 10/11/2002 | 10/11/2004 | Replaced |
| 34 | CARGO | TRANSGUARD INSURANCE COMPANY OF AMERICA INC. | TCP201466 | $0 | 10/11/2002 | 10/11/2004 | Replaced |
| 34 | CARGO | LANCER INSURANCE COMPANY | CM0035637 | $0 | 10/01/2001 | 07/04/2002 | Name Changed |
| 91X | BIPD/Primary | LANCER INSURANCE COMPANY | CM0035637 | $1,000,000 | 10/01/2001 | 07/04/2002 | Name Changed |
| 34 | CARGO | LANCER INSURANCE COMPANY | CM0035463 | $0 | 08/27/2001 | 10/02/2001 | Cancelled |
| 91X | BIPD/Primary | LANCER INSURANCE COMPANY | CM0035463 | $1,000,000 | 08/27/2001 | 10/02/2001 | Cancelled |
| 34 | CARGO | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 46-A2-CM-0026003-00 | $0 | 08/25/2000 | 08/25/2001 | Cancelled |
| 91X | BIPD/Primary | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 46-A2-CM-0026003-00 | $1,000,000 | 08/25/2000 | 08/25/2001 | Cancelled |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | LTO0005050 | $750,000 | 07/24/2012 | 05/29/2017 | Cancelled |
| 91X | BIPD/Primary | NATIONAL CASUALTY COMPANY | LTO0005050 | $750,000 | 07/24/2012 | 05/01/2017 | Replaced |
| 91X | BIPD/Primary | ACUITY, A MUTUAL INSURANCE COMPANY | CA-ZF6239 | $750,000 | 05/01/2020 | 05/01/2021 | Replaced |
| 91X | BIPD/Primary | ACUITY, A MUTUAL INSURANCE COMPANY | CA-ZF6239 | $750,000 | 05/01/2020 | 06/02/2021 | Cancelled |
| 91X | BIPD/Primary | INTEGRITY INSURANCE COMPANY | CA2709763 | $750,000 | 05/01/2017 | 05/01/2020 | Replaced |
No active insurance policies.
| Docket | Type | Action | Served | Disposition | Disp Date |
|---|---|---|---|---|---|
| MC372130 | MOTOR PROPERTY COMMON CARRIER | REINSTATED | 11/10/2010 | - | - |
| MC372130 | MOTOR PROPERTY COMMON CARRIER | REINSTATED | 10/31/2002 | REVOKED | 11/08/2010 |
| MC372130 | COMMON | INVOLUNTARY REVOCATION | 10/06/2008 | DISCONTINUED REVOCATION | 10/21/2008 |
| MC372130 | COMMON | INVOLUNTARY REVOCATION | 10/05/2009 | DISCONTINUED REVOCATION | 10/30/2009 |
| MC372130 | COMMON | INVOLUNTARY REVOCATION | 10/05/2007 | DISCONTINUED REVOCATION | 11/01/2007 |
| MC372130 | COMMON | INVOLUNTARY REVOCATION | 10/05/2006 | DISCONTINUED REVOCATION | 10/31/2006 |
| MC372130 | COMMON | INVOLUNTARY REVOCATION | 07/17/2012 | DISCONTINUED REVOCATION | 07/25/2012 |
| MC372130 | MOTOR PROPERTY COMMON CARRIER | GRANTED | 02/08/2000 | REVOKED | 09/23/2002 |
No revocation records.
Stay ahead of changes
You are checking B&G ENTERPRISES II LLC today. We can keep watching them for you.
Authority gets revoked, insurance lapses, and a company that looks clean today can change overnight. Create an account, add this company to your list,
and the moment their authority, insurance, safety or contact details change, you see it on your dashboard, or get it by email with Pro.
Add them to your list
Keep this company and every partner you vet in one place you can come back to.
Get a change alert
The moment authority, insurance or safety status moves, you hear about it first.
See the full history
Trust Score over time and the complete authority and insurance timeline, not just today.