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SSI EXPRESS TRANSPORT INC

Trust Score

Excellent Why this score?

Company CheckSSI EXPRESS TRANSPORT INC · DOT 871308

150 S LARCH AVE, RIALTO, CA, 92376

DOT# 871308 MC# 382305 Rialto, California 25 years

CARRIER & BROKER

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Power Units

Drivers

Crashes (24-Month)

$1,900,000

Insurance

Satisfactory

Safety Rating

Inspections

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SMS BASIC Scores→ Safety & Inspections→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

7 events tracked · latest Sep 15, 2026 ↓ Show details ↓

Safety & compliance 6

Aug 24, 2026
Crash reported (no fatalities).
Aug 5, 2026
Roadside inspection, 1 violation (no OOS).
Jul 21, 2026
Clean roadside inspection, no violations.
Jul 21, 2026
Clean roadside inspection, no violations.
Jul 18, 2026
Roadside inspection, 2 violations (no OOS).
Feb 4, 2025
Crash reported (no fatalities).

Insurance 1

Current
Active insurance on file ($1,900,000).

Public FMCSA record · blue clean · orange change · red risk.

Contact Details

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EmailSign in to view

Physical Address150 S LARCH AVE, RIALTO, CA, 92376

Mailing Address150 S LARCH AVE, RIALTO, CA, 92376

Broker Surety Bond FMCSA BMC-84/85

Brokers must keep a $75,000 surety bond or trust fund on file with FMCSA. If it lapses, FMCSA revokes the broker’s authority, so an active bond is the key thing a carrier should verify before hauling for a broker.

Bond StatusActive

On File (FMCSA)$75,000

VerifiedFMCSA · 07/02/2026

Required$75,000 (FMCSA min)

Last checked09/14/2026

TypeSurety Bond (BMC-84)

Surety / TrusteeAMERICAN CONTRACTORS INDEMNITY COMPANY

Contact☎ (800) 486-6695
🌐 tmhcc.com

Filings on record6

Bond history

AMERICAN CONTRACTORS INDEMNITY COMPANYsince Oct 1, 2013 · active

AMERICAN CONTRACTORS INDEMNITY COMPANYApr 2012 to Oct 2013 · CANCELLED

LINCOLN GENERAL INSURANCE COMPANYAug 2006 to Aug 2008 · CANCELLED

AMERICAN CONTRACTORS INDEMNITY COMPANYAug 2005 to Aug 2006 · replaced

HARTFORD FIRE INSURANCE COMPANYJul 2000 to Mar 2004 · CANCELLED

HARTFORD FIRE INSURANCE COMPANYJul 2000 to Jul 2000 · replaced

Never get caught by a dead bond. Daily checks, same-day email alerts.

Watch this broker

Other Companies at This Address

Address150 S LARCH AVE, RIALTO, CA 92376

Others here

Distinct phones

Active

Company	DOT	Phone	Status
B-LINE INC	2276711	Sign in	Active
SSI EXPRESS INC	2863130	Sign in	Active
SSI EXPRESS TRANSPORT INC this company	871308	Sign in	Active
SSI EXPRESS INC	2310680	Sign in	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

DocketMC382305

CommonActive

ContractActive

BrokerActive

Operating25 years

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 0 · 0 insp with violations

Clean

Hours-of-Service Compliance

measure .3 · 1 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 1.42 · 10 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage989,871 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingSatisfactory

Total Crashes (24-mo)2

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS43.8% avg 20.7%

SmartWay PartnerNo

Last Review08/23/2017

Insurance

Amount$1,900,000

Type91X

VerifiedFMCSA · 07/02/2026

CompanyGREAT WEST CASUALTY CO.

Policy #GRT51815A

Last checked09/14/2026

Quick Facts

StatusActive

TypeCarrier & Broker

Fleet20 units

Drivers18

Mileage989,871 mi

Operating25 years

MCS-15008/2026

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)2

Fatal0

Injury0

Tow-Away2

Safety RatingSatisfactory

Driver Inspections

Total24

Out of Service0

OOS Rate0.0%

National Avg5.5%

Below National Average

Vehicle Inspections

Total16

Out of Service7

OOS Rate43.8%

National Avg20.7%

Above National Average

Last FMCSA Review: 08/23/2017 | Rated: 10/05/2006

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

5 · 0 OOS -

2024

20 · 5 OOS ▲

2025

13 · 5 OOS =

2026

18 · 2 OOS ▼

Crashes

2023

0 crashes -

2024

1 crash ▲

2025

1 crash =

2026

1 crash =

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 Aug 2026, 33 inspections, 8 resulted in out-of-service (24.2% OOS rate).

Driver Out-of-Service 1 OOS

Vehicle Out-of-Service 7 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (3)

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.

Date	Location	State	Injuries	Tow	Vehicles	Weather	Road	Light
08/24/2026	CRESCENT	OR	1	1	1	Other/Unknown	Other/Unknown	Daylight
02/04/2025	JURUPA VALLEY	CA	0	1	1	Clear	Dry	Daylight
08/23/2024	+45.7732 -111.1996	MT	0	1	2	Clear	Dry	Daylight

Roadside Violations by Safety Category Last 24 months

15 roadside violations across 33 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

Vehicle Maintenance 10 violations · 6 OOS

Unsafe Driving 4 violations · 1 OOS

Hours-of-Service (HOS) Compliance 1 violation · 1 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 (56)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
08/05/2026	CA	Driver-Only (Level III)	CA	1	0	0	0	1	0	-	▲Detail
07/21/2026	CA	Walk-Around (Level II)	CA	0	0	0	0	0	0	-	▲Detail
07/21/2026	CA	Walk-Around (Level II)	CA	0	0	0	0	0	0	-	▲Detail
07/18/2026	CA	Full (Level I)	CA	2	0	0	0	2	0	-	▲Detail
07/09/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
07/09/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
07/09/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
07/09/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
07/09/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
06/26/2026	CA	Walk-Around (Level II)	CA	0	0	0	0	0	0	-	▲Detail
06/10/2026	AZ	Walk-Around (Level II)	QUARTZSITE AZ	2	1	1	1	1	0	-	▲Detail
06/02/2026	CA	Full (Level I)	CA	1	0	0	0	1	0	-	▲Detail
05/28/2026	CA	Walk-Around (Level II)	CA	0	0	0	0	0	0	-	▲Detail
04/14/2026	CA	Full (Level I)	DONNER PASS CVEF	0	0	0	0	0	0	-	▲Detail
03/16/2026	CA	Full (Level I)	MOUNTAIN PASS CVEF	0	0	0	0	0	0	-	▲Detail
02/02/2026	CA	Walk-Around (Level II)	CORDELIA IF	0	0	0	0	0	0	-	▲Detail
01/21/2026	CA	Full (Level I)	RAINBOW IF	1	1	0	0	1	1	-	▲Detail
01/15/2026	WA	Driver-Only (Level III)	LACEY WA	0	0	0	0	0	0	-	▲Detail
10/28/2025	CA	Full (Level I)	CORDELIA IF	0	0	0	0	0	0	-	▲Detail
09/30/2025	CA	Walk-Around (Level II)	RIVERSIDE DR N/OF LOCUST	0	0	0	0	0	0	-	▲Detail
07/11/2025	CA	Driver-Only (Level III)	RCVEF SOUTHBOUND	1	0	0	0	1	0	-	▲Detail
07/10/2025	AZ	Walk-Around (Level II)	EHRENBERG AZ	1	1	0	0	0	1	-	▲Detail
05/29/2025	CA	Driver-Only (Level III)	CORDELIA IF	1	1	0	0	1	1	-	▲Detail
04/29/2025	CA	Full (Level I)	RAINBOW IF	0	0	0	0	0	0	-	▲Detail
04/22/2025	CA	Full (Level I)	RAINBOW IF	1	1	0	0	1	1	-	▲Detail
03/27/2025	CA	Full (Level I)	CORDELIA IF	0	0	0	0	0	0	-	▲Detail
03/10/2025	CA	Driver-Only (Level III)	CHRISMAN AT VALPICO	0	0	0	0	0	0	-	▲Detail
02/14/2025	CA	Walk-Around (Level II)	GRAPEVINE IF	1	1	0	0	1	1	-	▲Detail
02/12/2025	CA	Driver-Only (Level III)	E/B CORDELIA CVEF	0	0	0	0	0	0	-	▲Detail
01/13/2025	CA	Walk-Around (Level II)	RAINBOW IF	0	0	0	0	0	0	-	▲Detail
01/09/2025	CA	Full (Level I)	VICTORVILLE AREA	2	1	0	0	2	1	-	▲Detail
11/13/2024	CA	Full (Level I)	CONEJO CVEF	1	1	0	0	1	1	-	▲Detail
09/30/2024	CA	Full (Level I)	RAINBOW IF	0	0	0	0	0	0	-	▲Detail
09/03/2024	AZ	Driver-Only (Level III)	PARKER AZ	0	0	0	0	0	0	-	▲Detail
09/03/2024	AZ	Driver-Only (Level III)	PARKER AZ	0	0	0	0	0	0	-	▲Detail
08/22/2024	CA	Walk-Around (Level II)	CAJON SCALES	1	1	0	0	1	1	-	▲Detail
07/16/2024	CA	Driver-Only (Level III)	SR-91/WESTBOUND	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
03/06/2024	CA	Full (Level I)	SAN BERNARDINO AREA	0	0	0	0	0	0	-	▲Detail
02/16/2024	CA	Full (Level I)	RAINBOW IF	1	1	0	0	1	1	-	▲Detail
02/12/2024	CA	Walk-Around (Level II)	SOUTH SACRAMENTO AREA	1	1	0	0	1	1	-	▲Detail
02/09/2024	CA	Full (Level I)	GRAPEVINE IF	2	1	1	0	1	1	-	▲Detail
01/24/2024	CA	Walk-Around (Level II)	HERRICK STEEL	0	0	0	0	0	0	-	▲Detail
01/24/2024	CA	Walk-Around (Level II)	HERRICK STEEL	0	0	0	0	0	0	-	▲Detail
01/23/2024	CA	Walk-Around (Level II)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
01/03/2024	CA	Walk-Around (Level II)	5454 INDUSTRIAL PARKWAY	0	0	0	0	0	0	-	▲Detail
12/27/2023	CA	Full (Level I)	150 S. LARCH AVE	0	0	0	0	0	0	-	▲Detail
12/27/2023	CA	Full (Level I)	150 S. LARCH AVE	0	0	0	0	0	0	-	▲Detail
12/27/2023	CA	Full (Level I)	150 S. LARCH AVE	0	0	0	0	0	0	-	▲Detail
12/27/2023	CA	Full (Level I)	150 S. LARCH AVE	0	0	0	0	0	0	-	▲Detail
12/27/2023	CA	Full (Level I)	150 S. LARCH AVE	0	0	0	0	0	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections35

HOS Compliance 1 viols

Vehicle Maintenance 10 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
34	CARGO	UNDERWRITERS AT LLOYDS LONDON	0510DMYLR070390	$0	12/27/2007	02/11/2008	Replaced
34	CARGO	UNDERWRITERS AT LLOYDS LONDON	LR069527	$0	12/27/2006	12/27/2007	Cancelled
34	CARGO	UNDERWRITERS AT LLOYDS LONDON	LR058680	$0	12/27/2005	12/27/2006	Cancelled
34	CARGO	UNDERWRITERS AT LLOYDS LONDON	BO595JL554004T	$0	12/27/2004	12/27/2005	Cancelled
34	CARGO	UNDERWRITERS AT LLOYDS LONDON	JL544003S	$0	12/27/2003	12/27/2004	Cancelled
34	CARGO	UNDERWRITERS AT LLOYDS LONDON	JL542002R	$0	12/27/2002	12/27/2003	Cancelled
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	2E18813	$750,000	09/20/2014	02/11/2016	Replaced
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	2E18813	$750,000	09/17/2014	09/20/2014	Cancelled
84	SURETY	LINCOLN GENERAL INSURANCE COMPANY	661118601	$0	08/22/2006	08/21/2008	Cancelled
84	SURETY	AMERICAN CONTRACTORS INDEMNITY COMPANY	253662	$0	08/22/2005	08/22/2006	Replaced
84	SURETY	AMERICAN CONTRACTORS INDEMNITY COMPANY	1000804562	$0	08/21/2008	04/02/2012	Name Changed
84	SURETY	HARTFORD FIRE INSURANCE COMPANY	72BSBAM3000	$0	07/10/2000	03/30/2004	Cancelled
84	SURETY	HARTFORD FIRE INSURANCE COMPANY	72BSBAM300	$0	07/10/2000	07/10/2000	Replaced
84	SURETY	AMERICAN CONTRACTORS INDEMNITY COMPANY	1000804562	$0	04/02/2012	10/01/2013	Cancelled
91X	BIPD/Primary	MANUFACTURERS ALLIANCE INSURANCE COMPANY	152401-15-13-62-1	$100,000	02/11/2024	02/11/2025	Replaced
91X	BIPD/Excess	GENERAL SECURITY INDEMNITY COMPANY	XA-000252-00	$900,000	02/11/2024	02/11/2025	Replaced
91X	BIPD/Primary	HARCO NATIONAL INSURANCE CO.	RFL0000508	$750,000	02/11/2022	02/11/2024	Replaced
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	2E18813	$750,000	02/11/2016	02/11/2022	Cancelled
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	2E18813	$1,000,000	02/11/2012	09/17/2014	Cancelled
34	CARGO	EMPLOYERS MUTUAL CASUALTY CO.	2E18813	$0	02/11/2008	04/02/2012	Name Changed
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	2EI-88-13	$1,000,000	02/11/2004	04/02/2012	Name Changed
34	CARGO	EMPLOYERS MUTUAL CASUALTY CO.	2E1-88- 13	$0	02/11/2000	12/27/2002	Replaced
91X	BIPD/Primary	EMPLOYERS MUTUAL CASUALTY CO.	2E1-88-13	$1,000,000	02/11/2000	02/11/2004	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC382305	COMMON	INVOLUNTARY REVOCATION	11/30/2007	DISCONTINUED REVOCATION	12/12/2007
MC382305	COMMON	INVOLUNTARY REVOCATION	11/30/2006	DISCONTINUED REVOCATION	12/08/2006
MC382305	COMMON	INVOLUNTARY REVOCATION	11/30/2005	DISCONTINUED REVOCATION	12/16/2005
MC382305	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	11/16/2000	REVOKED	04/02/2012
MC382305	PROPERTY BROKER	REINSTATED	09/30/2005	REVOKED	04/02/2012
MC382305	MOTOR PROPERTY COMMON CARRIER	REINSTATED	09/16/2005	REVOKED	04/02/2012
MC382305	BROKER	INVOLUNTARY REVOCATION	09/04/2013	DISCONTINUED REVOCATION	10/01/2013
MC382305	BROKER	INVOLUNTARY REVOCATION	07/25/2008	DISCONTINUED REVOCATION	08/07/2008
MC382305	PROPERTY BROKER	GRANTED	05/02/2001	REVOKED	04/05/2004
MC382305	PROPERTY BROKER	REINSTATED	04/17/2012	-	-
MC382305	MOTOR PROPERTY COMMON CARRIER	REINSTATED	04/06/2012	-	-
MC382305	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	04/06/2012	-	-
MC382305	COMMON	INVOLUNTARY REVOCATION	01/18/2022	DISCONTINUED REVOCATION	01/27/2022
MC382305	CONTRACT	INVOLUNTARY REVOCATION	01/18/2022	DISCONTINUED REVOCATION	01/27/2022
MC382305	COMMON	INVOLUNTARY REVOCATION	01/07/2004	DISCONTINUED REVOCATION	01/28/2004

No revocation records.

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Trust Score over time and the complete authority and insurance timeline, not just today.

93/100

Excellent

VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown, from 100 to 93

Starts at 100−7 totalFinal 93

Vehicle out-of-service rate above national average−5

Crashes on record (rate-adjusted)−2

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Authorized for hire

Holds active for-hire (common or contract) authority.

Active insurance on file

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

Satisfactory FMCSA safety rating.

What's lowering this score

-5

Vehicle out-of-service rate above national average

Vehicle OOS 43.75% vs national avg 20.72%.

-2

Crashes on record (rate-adjusted)

Crash rate: 2 crash(es) across 20 vehicles (~0.1 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Where this company lands, risk scales

Crash history (rate-adjusted)−2 of 28

0 pts · low risk−28 pts · high risk

Crash rate: 2 crash(es) across 20 vehicles (~0.1 per vehicle); none fatal. Scaled to fleet size and fatal severity.

Vehicle out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Vehicle OOS 43.75% vs national avg 20.72%.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

SSI EXPRESS TRANSPORT INC

Trust Score

Public record

Company Information

Contact Details

Broker Surety Bond FMCSA BMC-84/85

Other Companies at This Address

Operating Authorities

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (3)

Roadside Violations by Safety Category Last 24 months

Inspection Records (56)

Safety Performance Percentiles

Licensing & Insurance

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