← Back to Search
VALIDATED

THE ARMS TRUCKING CO

Trust Score

93 Excellent
Excellent Why this score?
Company CheckTHE ARMS TRUCKING CO · DOT 211147
14818 MAYFIELD RD, E CLARIDON, OH, 44033
DOT# 211147 MC# 155112 E Claridon, Ohio 44 years
CARRIER
Sign in required
You need a free LoadWrap account to run this check. Log in or register, it takes a minute.
Log in or register
Due-diligence certificate
Ratings & reviews

Create free account →
Free • 30 seconds • Already a member? Log in
80
Power Units
53
Drivers
9
Crashes (24-Month)
$1,000,000
Insurance
Satisfactory
Safety Rating
126
Inspections
Is this your company? Claim your profile →
Just researching? Create a free account →

Public record

8 events tracked · latest Aug 8, 2026 Show details
Safety & compliance 7
  • Jul 2, 2026
    Roadside inspection, 1 violation (no OOS).
  • Jul 1, 2026
    Roadside inspection, 1 out-of-service violation.
  • Jun 9, 2026
    Roadside inspection, 1 violation (no OOS).
  • Jun 5, 2026
    Roadside inspection, 1 violation (no OOS).
  • Mar 12, 2026
    Crash reported (no fatalities).
  • Jan 6, 2026
    Crash reported (no fatalities).
  • Sep 4, 2025
    Crash reported (no fatalities).
Insurance 1
  • Current
    Active insurance on file ($1,000,000).
Public FMCSA record · blue clean · orange change · red risk.

Company Information

Legal NameTHE ARMS TRUCKING CO
DOT Number211147
MC Number155112
Entity TypeCarrier
Operating StatusA - Active
LocationE Claridon, Ohio
Added04/20/1982
MCS-15005/13/2026

Contact Details

Physical Address14818 MAYFIELD RD, E CLARIDON, OH, 44033
Mailing AddressPO BOX 369, E CLARIDON, OH, 44033

Other Companies at This Address

Address14818 MAYFIELD RD, E CLARIDON, OH 44033
This looks like a commercial registered-agent / virtual office address. Sharing such an address is legal and common, many legitimate carriers use a registered agent for mail, insurance and compliance. It is not by itself a sign of any problem.
2
Others here
2
Distinct phones
3
Active
CompanyDOTPhoneStatus
SCULLION TRUCKING CO960792Sign inActive
STANLEY TRUCKING CO INC397915Sign inActive
THE ARMS TRUCKING CO this company211147Sign inActive
Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE
Carrier OperationA - Interstate
DocketMC155112
CommonActive
ContractActive
BrokerNot Active
Operating44 years

All Docket Numbers

MC155112

Cargo Transported

General FreightGrain, Feed, HayCommodities Dry BulkRefrigerated Food

Operation Classification

Authorized For Hire

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 .44 · 8 insp with violations
Below cutoff
Hours-of-Service Compliance
measure .34 · 3 insp with violations
Below cutoff
Driver Fitness
measure 0 · 0 insp with violations
Clean
Controlled Substances / Alcohol
measure 0 · 0 insp with violations
Clean
Vehicle Maintenance
measure 4.74 · 20 insp with violations
Below cutoff
Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage4,510,000 miles
Mileage Year2023
VMT SourceMCS-150 Form

Drivers

53
Interstate
0
Intrastate
0
CDL
53
Total
Interstate >100mi0
Interstate <100mi0
Intrastate >100mi0
Intrastate <100mi0

Safety Summary

Safety RatingSatisfactory
Total Crashes (24-mo)9
Fatal0
Driver OOS0.0% avg 5.5%
Vehicle OOS23.9% avg 20.7%
SmartWay PartnerNo
Last Review06/07/2018

Insurance

Amount$1,000,000
Type34
VerifiedFMCSA · 06/16/2026
CompanyPROTECTIVE INSURANCE CO.
Policy #MF000018
Last checked08/08/2026

Quick Facts

StatusActive
TypeCarrier
Fleet80 units
Drivers53
Mileage4,510,000 mi
Operating44 years
MCS-15005/2026

Safety & Inspection Data

Crash Summary
Total Crashes (24-mo)9
Fatal0
Injury5
Tow-Away4
Safety RatingSatisfactory
Driver Inspections
Total80
Out of Service0
OOS Rate0.0%
National Avg5.5%
Below National Average
Vehicle Inspections
Total46
Out of Service11
OOS Rate23.9%
National Avg20.7%
Above National Average
Last FMCSA Review: 06/07/2018 | Rated: 02/28/2011

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
2023
18 · 1 OOS -
2024
58 · 2 OOS
2025
40 · 6 OOS
2026
20 · 4 OOS
Crashes
2023
2 crashes -
2024
4 crashes
2025
4 crashes =
2026
2 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 Jul 2026, 76 inspections, 11 resulted in out-of-service (14.5% OOS rate).

Vehicle Out-of-Service 12 OOS
Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (12)

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.
DateLocationStateFatalInjuriesTowVehiclesWeatherRoadLight
03/12/2026 GARFIELD HEIGHTS OH 0 0 1 2 Clear Dry Dusk
01/06/2026 CLARIDON (TOWNSHIP OF) OH 0 3 1 2 Clear Wet Daylight
09/04/2025 NEW LYME (TOWNSHIP OF) OH 0 1 1 2 Clear Dry Daylight
06/26/2025 CLARIDON (TOWNSHIP OF) OH 0 2 1 2 Clear Dry Daylight
04/16/2025 WESTFIELD (TOWNSHIP OF) OH 0 1 1 3 Clear Dry Dawn
01/13/2025 CLARIDON (TOWNSHIP OF) OH 0 0 1 2 Clear Dry Daylight
10/24/2024 CLARIDON (TOWNSHIP OF) OH 0 0 1 2 Clear Dry Dusk
09/05/2024 CLEVELAND OH 0 1 0 2 Clear Dry Daylight
07/26/2024 GATES MILLS OH 0 0 1 2 Clear Dry Daylight
04/15/2024 AUSTINTOWN (TOWNSHIP OF) OH 0 0 1 1 Clear Dry Daylight
10/17/2023 MUNSON (TOWNSHIP OF) OH 0 1 1 1 Clear Wet Daylight
07/31/2023 CHARDON OH 0 2 1 3 Clear Dry Daylight

Roadside Violations by Safety Category Last 24 months

122 roadside violations across 76 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.

ViolationsOut-of-service
Unsafe Driving 80 violations · 1 OOS
Vehicle Maintenance 38 violations · 11 OOS
Hours-of-Service (HOS) Compliance 4 violations · 0 OOS
Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.

Inspection Records (100)

DateStateLevelLocationViolationsOOSDriver ViolDriver OOSVehicle ViolVehicle OOSHazMat
07/02/2026 OH Driver-Only (Level III) CAMBRIDGE OH 1 0 1 0 0 0 - Detail
07/01/2026 OH Walk-Around (Level II) CANTON OH 4 1 1 0 3 1 - Detail
06/09/2026 OH Driver-Only (Level III) CLEVELAND OH 1 0 1 0 0 0 - Detail
06/05/2026 OH Driver-Only (Level III) KIMBOLTON OH 1 0 1 0 0 0 - Detail
05/28/2026 PA Driver-Only (Level III) CHIPPEWA TWP PA 0 0 0 0 0 0 - Detail
05/14/2026 OH Driver-Only (Level III) CANTON OH 1 0 1 0 0 0 - Detail
04/09/2026 OH Walk-Around (Level II) CAMBRIDGE OH 1 1 0 0 1 1 - Detail
03/20/2026 OH Driver-Only (Level III) AMHERST OH 0 0 0 0 0 0 - Detail
02/25/2026 OH Walk-Around (Level II) SPRINGFIELD OH 2 1 1 0 1 1 - Detail
02/25/2026 OH Driver-Only (Level III) HUDSON OH 2 0 1 0 1 0 - Detail
02/11/2026 OH Walk-Around (Level II) JEFFERSON OH 1 0 0 0 1 0 - Detail
02/10/2026 MD Full (Level I) SYKESVILLE MD 5 1 3 0 2 1 - Detail
01/29/2026 OH Walk-Around (Level II) MADISON OH 3 0 3 0 0 0 - Detail
01/27/2026 PA Driver-Only (Level III) I79 SB MM 134 DEER CREEK TWP - 0 0 0 0 0 0 - Detail
01/21/2026 OH Driver-Only (Level III) HUDSON OH 0 0 0 0 0 0 - Detail
01/14/2026 OH Driver-Only (Level III) MILAN OH 0 0 0 0 0 0 - Detail
01/06/2026 OH Walk-Around (Level II) NEWTON FALLS OH 2 0 2 0 0 0 - Detail
01/05/2026 OH Walk-Around (Level II) CHAGRIN FALLS OH 3 0 3 0 0 0 - Detail
01/02/2026 OH Driver-Only (Level III) TALLMADGE OH 0 0 0 0 0 0 - Detail
01/02/2026 OH Driver-Only (Level III) RICHFIELD OH 0 0 0 0 0 0 - Detail
12/29/2025 OH Walk-Around (Level II) CLEVELAND OH 3 0 1 0 2 0 - Detail
12/29/2025 OH Driver-Only (Level III) JEFFERSON OH 0 0 0 0 0 0 - Detail
12/11/2025 OH Walk-Around (Level II) NEW SPRINGFIELD OH 1 0 0 0 1 0 - Detail
12/10/2025 OH Driver-Only (Level III) GIRARD OH 0 0 0 0 0 0 - Detail
12/05/2025 OH Walk-Around (Level II) AKRON OH 3 0 3 0 0 0 - Detail
11/20/2025 OH Walk-Around (Level II) AKRON OH 4 1 3 0 1 1 - Detail
11/19/2025 OH Driver-Only (Level III) HILLIARD OH 0 0 0 0 0 0 - Detail
11/14/2025 OH Walk-Around (Level II) CLEVELAND OH 2 1 0 0 0 1 - Detail
11/03/2025 OH Full (Level I) HUBBARD OH 2 0 0 0 0 0 - Detail
09/30/2025 PA Driver-Only (Level III) SR 79 NB AT BRIDGEVILLE REST A 0 0 0 0 0 0 - Detail
09/23/2025 WV Driver-Only (Level III) ELKVIEW WV 2 0 0 0 0 0 - Detail
09/09/2025 OH Walk-Around (Level II) MADISON OH 4 2 0 0 0 2 - Detail
09/09/2025 OH Walk-Around (Level II) MADISON OH 5 1 0 0 0 1 - Detail
09/03/2025 PA Full (Level I) SR 79 SB LONE PINE WEIGH STATI 1 0 0 0 1 0 - Detail
07/28/2025 OH Driver-Only (Level III) NEW SPRINGFIELD OH 0 0 0 0 0 0 - Detail
07/17/2025 OH Walk-Around (Level II) CHAGRIN FALLS OH 5 0 0 0 0 0 - Detail
06/10/2025 OH Walk-Around (Level II) BAINBRIDGE OH 4 0 0 0 0 0 - Detail
05/06/2025 MD Walk-Around (Level II) ACCIDENT MD 1 0 0 0 0 0 - Detail
04/29/2025 OH Walk-Around (Level II) CHAGRIN FALLS OH 3 0 0 0 0 0 - Detail
04/15/2025 PA Driver-Only (Level III) SR 79 SB LONE PINE WEIGH STATI 0 0 0 0 0 0 - Detail
04/09/2025 MI Driver-Only (Level III) ROAD 1 0 1 0 0 0 - Detail
04/03/2025 OH Walk-Around (Level II) AKRON OH 3 0 0 0 0 0 - Detail
04/01/2025 OH Driver-Only (Level III) ONTARIO OH 0 0 0 0 0 0 - Detail
03/28/2025 OH Driver-Only (Level III) BOWLING GREEN OH 0 0 0 0 0 0 - Detail
03/27/2025 PA Walk-Around (Level II) I79 S- MM 11, RIGHT LANE 1 1 0 0 1 1 - Detail
03/26/2025 OH Driver-Only (Level III) CANTON OH 1 0 0 0 0 0 - Detail
03/10/2025 PA Full (Level I) I76 E @ MM 1 5 1 0 0 5 1 - Detail
02/24/2025 OH Walk-Around (Level II) MADISON OH 3 0 0 0 0 0 - Detail
02/19/2025 OH Walk-Around (Level II) CHAGRIN FALLS OH 1 0 0 0 0 0 - Detail
02/10/2025 OH Walk-Around (Level II) PAINESVILLE OH 3 0 0 0 0 0 - Detail
02/10/2025 OH Walk-Around (Level II) MADISON OH 3 0 0 0 0 0 - Detail
02/07/2025 OH Walk-Around (Level II) PAINESVILLE OH 3 0 0 0 0 0 - Detail
01/30/2025 OH Walk-Around (Level II) PAINESVILLE OH 3 0 0 0 0 0 - Detail
01/28/2025 NY Driver-Only (Level III) ALLEGANY NY 0 0 0 0 0 0 - Detail
01/27/2025 OH Driver-Only (Level III) HUBBARD OH 0 0 0 0 0 0 - Detail
01/24/2025 OH Walk-Around (Level II) MANSFIELD OH 0 0 0 0 0 0 - Detail
01/21/2025 OH Driver-Only (Level III) BELLEVUE OH 0 0 0 0 0 0 - Detail
01/17/2025 OH Driver-Only (Level III) NEW SPRINGFIELD OH 0 0 0 0 0 0 - Detail
01/03/2025 OH Driver-Only (Level III) NORTH LIMA OH 0 0 0 0 0 0 - Detail
01/02/2025 OH Driver-Only (Level III) YOUNGSTOWN OH 1 0 0 0 0 0 - Detail
12/11/2024 OH Driver-Only (Level III) JEFFERSON OH 0 0 0 0 0 0 - Detail
11/27/2024 OH Driver-Only (Level III) NEW SPRINGFIELD OH 0 0 0 0 0 0 - Detail
11/26/2024 OH Walk-Around (Level II) CLEVELAND OH 4 0 0 0 0 0 - Detail
11/21/2024 OH Walk-Around (Level II) MADISON OH 11 0 0 0 0 0 - Detail
11/19/2024 PA Driver-Only (Level III) I90 WB MM 46 NORTH EAST TWP - 0 0 0 0 0 0 - Detail
11/12/2024 PA Walk-Around (Level II) SR 79 NB AT BRIDGEVILLE REST A 0 0 0 0 0 0 - Detail
11/08/2024 OH Walk-Around (Level II) MANSFIELD OH 1 0 0 0 0 0 - Detail
10/28/2024 MI Driver-Only (Level III) SB 75 @ DIXIE 1 0 1 0 0 0 - Detail
10/10/2024 WV Walk-Around (Level II) WHEELING WV 2 0 0 0 0 0 - Detail
10/01/2024 OH Walk-Around (Level II) CHAGRIN FALLS OH 1 0 0 0 0 0 - Detail
09/19/2024 OH Driver-Only (Level III) ROADSIDE 1 0 1 0 0 0 - Detail
09/19/2024 OH Walk-Around (Level II) ROADSIDE (28) 1 0 1 0 0 0 - Detail
09/11/2024 OH Driver-Only (Level III) ROADSIDE 1 0 1 0 0 0 - Detail
08/23/2024 PA Walk-Around (Level II) ON BENJAMIN FRANKLIN HWY 500 F 1 0 0 0 1 0 - Detail
08/21/2024 OH Walk-Around (Level II) ROADSIDE (43) 2 1 1 0 1 1 - Detail
08/14/2024 OH Walk-Around (Level II) ROADSIDE INSPECTION 1 0 1 0 0 0 - Detail
08/05/2024 OH Driver-Only (Level III) ROAD SIDE 0 0 0 0 0 0 - Detail
07/10/2024 OH Walk-Around (Level II) ROADSIDE INSPECTION 1 0 1 0 0 0 - Detail
06/18/2024 PA Driver-Only (Level III) WAYNESBURG PA 0 0 0 0 0 0 - Detail
06/07/2024 OH Walk-Around (Level II) ROADSIDE (43) 1 0 0 0 1 0 - Detail
06/03/2024 OH Driver-Only (Level III) ROAD SIDE 0 0 0 0 0 0 - Detail
05/30/2024 NY Driver-Only (Level III) ALLEGANY NY 0 0 0 0 0 0 - Detail
05/15/2024 NY Walk-Around (Level II) HAMBURG (EXIT 57) 0 0 0 0 0 0 - Detail
05/09/2024 OH Walk-Around (Level II) ROADSIDE(43) 4 1 0 0 4 1 - Detail
05/09/2024 OH Walk-Around (Level II) ROADSIDE (43) 1 0 1 0 0 0 - Detail
05/09/2024 OH Walk-Around (Level II) ROADSIDE (43) 1 0 0 0 1 0 - Detail
04/25/2024 OH Walk-Around (Level II) ROADSIDE 1 0 1 0 0 0 - Detail
04/25/2024 PA Full (Level I) I80 EB MM 194 GREENE TWP - EAS 0 0 0 0 0 0 - Detail
04/24/2024 OH Walk-Around (Level II) BRUNSWICK REST AREA SB 1 0 0 0 1 0 - Detail
03/29/2024 OH Driver-Only (Level III) ROADSIDE 0 0 0 0 0 0 - Detail
03/25/2024 PA Driver-Only (Level III) ON I79 S 108 FEET NORTH OF UNN 2 0 2 0 0 0 - Detail
03/25/2024 OH Driver-Only (Level III) ROADSIDE 0 0 0 0 0 0 - Detail
03/20/2024 OH Driver-Only (Level III) ROADSIDE 0 0 0 0 0 0 - Detail
03/20/2024 OH Walk-Around (Level II) ROADSIDE(28) 3 0 0 0 3 0 - Detail
03/19/2024 OH Walk-Around (Level II) ROADSIDE (04) 2 0 0 0 2 0 - Detail
03/14/2024 OH Driver-Only (Level III) ROADSIDE 0 0 0 0 0 0 - Detail
03/14/2024 OH Walk-Around (Level II) CAMBRIDGE SCALES 1 0 1 0 0 0 - Detail
03/05/2024 OH Walk-Around (Level II) ROADSIDE 1 0 1 0 0 0 - Detail
03/04/2024 PA Driver-Only (Level III) US 40 ON NATIONAL PIKE AT WEST 1 0 1 0 0 0 - Detail
03/04/2024 OH Driver-Only (Level III) ROADSIDE,. 0 0 0 0 0 0 - Detail
Detailed Inspection Report

Safety Performance Percentiles

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

Total Inspections76
Unsafe Driving 8 viols
HOS Compliance 3 viols
Vehicle Maintenance 20 viols

Licensing & Insurance

FormTypeInsurance CompanyPolicyCoverageEffectiveCancel DateMethod
91XBIPD/PrimaryTHE CINCINNATI INSURANCE CO.CPP 502 3592AWR$300,00012/01/199401/01/1998Replaced
91XBIPD/ExcessTHE CINCINNATI INSURANCE CO.CCC 436 9970$2,000,00012/01/199401/01/2001Replaced
91XBIPD/PrimaryCANAL INSURANCE CO.784123001$750,00009/03/202102/01/2024Cancelled
91XBIPD/PrimaryNATIONAL UNION FIRE INS. CO. OF PITSBGH. PA023-01-5994$1,000,00006/07/202402/01/2025Cancelled
91XBIPD/PrimaryPROTECTIVE INSURANCE CO.MF000018$750,00004/01/200402/13/2011Cancelled
91XBIPD/PrimaryPROTECTIVE INSURANCE CO.MF000018$750,00004/01/200401/01/2010Replaced
91XBIPD/PrimaryPROTECTIVE INSURANCE CO.MF000018$1,000,00004/01/200404/01/2004Replaced
34CARGOUNITED STATES FIDELITY & GUARANTY CO.IMP07819395101$004/01/198801/01/2004Replaced
91XBIPD/PrimaryNATIONAL UNION FIRE INS. CO. OF PITSBGH. PA023-01-5994$1,000,00002/01/202406/07/2024Cancelled
91XBIPD/PrimaryCANAL INSURANCE CO.784123001$750,00002/01/202009/03/2021Cancelled
91XBIPD/PrimaryACUITY, A MUTUAL INSURANCE COMPANYCA-X88033$750,00002/01/201402/01/2020Replaced
91XBIPD/PrimaryNORTHLAND INSURANCE COMPANYTF663146$750,00002/01/201302/01/2013Replaced
91XBIPD/PrimaryNORTHLAND INSURANCE COMPANYTF663146$1,000,00002/01/201303/07/2014Cancelled
91XBIPD/PrimaryNORTHLAND INSURANCE COMPANYTF663146$1,000,00002/01/201302/01/2014Replaced
91XBIPD/PrimaryMID-AMERICAN FIRE & CASUALTY COMPANY8828493$1,000,00002/01/201102/01/2013Replaced
91XBIPD/PrimaryPROTECTIVE INSURANCE CO.MF000018$1,000,00001/01/201002/01/2011Replaced
34CARGOCLARENDON NATIONAL INS. CO.DSHA00000438$001/01/200404/01/2004Replaced
91XBIPD/PrimaryCLARENDON NATIONAL INS. CO.DSHN00001178$750,00001/01/200404/01/2004Replaced
91XBIPD/ExcessTHE CINCINNATI INSURANCE CO.CCC 443 25 60$450,00001/01/200101/01/2004Cancelled
91XBIPD/ExcessTHE CINCINNATI INSURANCE CO.CCC 443 25 60$450,00001/01/199801/01/2001Replaced
91XBIPD/PrimaryTHE CINCINNATI INSURANCE CO.CPP 068 88 38$300,00001/01/199801/01/2004Cancelled

No active insurance policies.

DocketTypeActionServedDispositionDisp Date
MC155112MOTOR PROPERTY COMMON CARRIERGRANTED12/24/1981--
MC155112MOTOR PROPERTY COMMON CARRIERGRANTED10/26/1995--
MC155112MOTOR PROPERTY CONTRACT CARRIERGRANTED10/26/1995--
MC155112COMMONINVOLUNTARY REVOCATION08/09/2021DISCONTINUED REVOCATION08/10/2021
MC155112CONTRACTINVOLUNTARY REVOCATION08/09/2021DISCONTINUED REVOCATION08/10/2021
MC155112COMMONINVOLUNTARY REVOCATION05/13/2024DISCONTINUED REVOCATION05/22/2024
MC155112CONTRACTINVOLUNTARY REVOCATION05/13/2024DISCONTINUED REVOCATION05/22/2024
MC155112COMMONINVOLUNTARY REVOCATION01/06/2025DISCONTINUED REVOCATION01/30/2025
MC155112CONTRACTINVOLUNTARY REVOCATION01/06/2025DISCONTINUED REVOCATION01/30/2025
MC155112COMMONINVOLUNTARY REVOCATION01/05/2024DISCONTINUED REVOCATION01/30/2024
MC155112CONTRACTINVOLUNTARY REVOCATION01/05/2024DISCONTINUED REVOCATION01/30/2024

No revocation records.

Stay ahead of changes

You are checking THE ARMS TRUCKING CO 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.