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VALIDATED

KING D TRUCKING INC

Trust Score

Excellent Why this score?

Company CheckKING D TRUCKING INC · DOT 979983

3501 FRUITVALE AVE, BAKERSFIELD, CA, 93308

DOT# 979983 MC# 414663 Bakersfield, California 24 years

CARRIER

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Power Units

Drivers

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

Inspections

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Deep records on this carrier, only on LoadWrap

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

Public record

6 events tracked · latest May 26, 2026 ↓ Show details ↓

Safety & compliance 6

May 26, 2026
Roadside inspection, 1 violation (no OOS).
May 22, 2026
Clean roadside inspection, no violations.
Apr 7, 2026
Clean roadside inspection, no violations.
Apr 3, 2026
Clean roadside inspection, no violations.
Dec 9, 2024
REINSTATED MOTOR PROPERTY CONTRACT CARRIER.
Sep 30, 2024
REVOKED MOTOR PROPERTY CONTRACT CARRIER.

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

Contact Details

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EmailSign in to view

Physical Address3501 FRUITVALE AVE, BAKERSFIELD, CA, 93308

Mailing Address3501 FRUITVALE AVE, BAKERSFIELD, CA, 93308

Other Companies at This Address

Address3501 FRUITVALE AVE, BAKERSFIELD, CA 93308

Others here

Distinct phones

Active

Company	DOT	Phone	Status
KING D TRUCKING INC this company	979983	Sign in	Active
PLAZA TRUCKING LLC	3689328	Sign in	Active

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

DocketMC414663

CommonNot Active

ContractActive

BrokerNot Active

Operating24 years

Operation Classification

Authorized For Hire Hazardous Materials

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 2.09 · 1 insp with violations

Below cutoff

Hours-of-Service Compliance

measure .3 · 1 insp with violations

Below cutoff

Driver Fitness

measure .07 · 1 insp with violations

Below cutoff

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 2.03 · 7 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage524,447 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatYes

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS4.3% avg 5.5%

Vehicle OOS10.5% avg 20.7%

SmartWay PartnerNo

Last Review02/14/2018

Insurance

Amount$1,000,000

Type91X

Effective09/24/2025

CompanySTARSTONE NATIONAL INSURANCE COMPANY

Policy #AM37000244-01

Last checked08/31/2026

Quick Facts

StatusActive

TypeCarrier

Fleet6 units

Drivers8

Mileage524,447 mi

Operating24 years

MCS-15006/2025

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total23

Out of Service1

OOS Rate4.3%

National Avg5.5%

Below National Average

Vehicle Inspections

Total19

Out of Service2

OOS Rate10.5%

National Avg20.7%

Below National Average

HazMat Inspections

Total15

OOS0

OOS Rate0.0% (avg 4.5%)

Last FMCSA Review: 02/14/2018

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

6 · 0 OOS -

2024

10 · 2 OOS ▲

2025

10 · 1 OOS ▼

2026

8 · 0 OOS ▼

Crashes

2023

1 crash -

2024

0 crashes ▼

2025

0 crashes =

2026

0 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 May 2026, 21 inspections, 3 resulted in out-of-service (14.3% OOS rate).

Driver Out-of-Service 1 OOS

Vehicle Out-of-Service 2 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Crash Records (1)

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	Fatal	Injuries	Tow	Vehicles	Weather	Road	Light
09/15/2023	LONG BEACH	CA	1	0	1	1	Clear	Dry	Dawn

Roadside Violations by Safety Category Last 24 months

22 roadside violations across 21 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 9 violations · 1 OOS

Unsafe Driving 6 violations · 1 OOS

Hazardous Materials 4 violations · 0 OOS

Hours-of-Service (HOS) Compliance 2 violations · 0 OOS

Driver Fitness 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 (34)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
05/26/2026	CO	Driver-Only (Level III)	DUMONT CO	1	0	1	0	0	0	-	▲Detail
05/22/2026	CA	Full (Level I)	CA	0	0	0	0	0	0	-	▲Detail
04/07/2026	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
04/03/2026	CA	Walk-Around (Level II)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
03/09/2026	CA	Walk-Around (Level II)	CHOWCHILLA RIVER ENFORCEMENT	3	0	2	0	1	0	-	▲Detail
02/03/2026	NM	Walk-Around (Level II)	GALLUP PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
01/15/2026	NM	Driver-Only (Level III)	TEXICO PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
01/05/2026	CA	Full (Level I)	CACHE CREEK	0	0	0	0	0	0	-	▲Detail
12/31/2025	NM	Walk-Around (Level II)	RATON PORT OF ENTRY	0	0	0	0	0	0	-	▲Detail
11/21/2025	CA	Walk-Around (Level II)	I5 NB CASTAIC CVEF	1	0	0	0	1	0	-	▲Detail
09/24/2025	CA	Walk-Around (Level II)	N/B SR-99 JSO SR-58	2	1	1	0	1	1	-	▲Detail
07/29/2025	CA	Full (Level I)	GRAPEVINE IF	2	0	0	0	2	0	-	▲Detail
07/19/2025	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
07/18/2025	CA	Walk-Around (Level II)	CASTAIC IF	3	0	0	0	3	0	3	▲Detail
06/03/2025	CA	Full (Level I)	GRAPEVINE IF	1	0	0	0	1	0	-	▲Detail
03/07/2025	CA	Full (Level I)	GRAPEVINE IF	2	0	0	0	2	0	-	▲Detail
01/26/2025	CA	Walk-Around (Level II)	GRAPEVINE IF	2	0	0	0	2	0	-	▲Detail
01/13/2025	CA	Driver-Only (Level III)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
11/27/2024	CA	Walk-Around (Level II)	GRAPEVINE IF	1	1	1	1	0	0	-	▲Detail
11/26/2024	OR	Walk-Around (Level II)	ASHLAND OR	4	1	0	0	0	1	-	▲Detail
11/23/2024	CA	Walk-Around (Level II)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
08/13/2024	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
07/20/2024	CA	Driver-Only (Level III)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
06/10/2024	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
04/09/2024	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
01/20/2024	CA	Walk-Around (Level II)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
01/19/2024	CA	Full (Level I)	GRAPEVINE IF	0	0	0	0	0	0	-	▲Detail
01/05/2024	CA	Walk-Around (Level II)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
12/02/2023	CA	Full (Level I)	S/B SCALES S/OF BISHOP	1	0	0	0	1	0	-	▲Detail
09/15/2023	CA	Walk-Around (Level II)	S/B I-710 TO WILLOW ST	0	0	0	0	0	0	-	▲Detail
09/14/2023	CA	Full (Level I)	GRAPEVINE IF	1	0	0	0	1	0	-	▲Detail
09/08/2023	CA	Full (Level I)	GRAPEVINE IF	5	0	0	0	5	0	-	▲Detail
09/04/2023	CA	Driver-Only (Level III)	CASTAIC IF	0	0	0	0	0	0	-	▲Detail
08/25/2023	NV	Walk-Around (Level II)	SLOAN CHECK SITE	2	0	1	0	1	0	-	▲Detail

Safety Performance Percentiles

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

Total Inspections22

Unsafe Driving 1 viols

HOS Compliance 1 viols

Driver Fitness 1 viols

Vehicle Maintenance 7 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378	$750,000	11/27/2011	02/01/2012	Replaced
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	11/18/2017	06/18/2018	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	11/16/2013	05/16/2014	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	11/14/2014	07/16/2015	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	11/14/2014	06/18/2015	Replaced
91X	BIPD/Primary	SCOTTSDALE INSURANCE COMPANY	CTS0232582	$750,000	09/26/2019	01/28/2020	Replaced
91X	BIPD/Primary	STARSTONE NATIONAL INSURANCE COMPANY	AM37000244-00	$1,000,000	09/24/2024	09/24/2025	Replaced
91X	BIPD/Primary	STARSTONE NATIONAL INSURANCE COMPANY	AM37000244-00	$100,000	09/24/2024	09/24/2024	Replaced
91X	BIPD/Primary	PROTECTIVE INSURANCE COMPANY	AN-100086	$1,000,000	09/24/2022	09/24/2022	Replaced
91X	BIPD/Primary	PROTECTIVE INSURANCE CO.	AN-100086	$1,000,000	09/24/2022	09/24/2024	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0491401	$1,000,000	09/24/2021	09/24/2022	Replaced
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0491400	$1,000,000	09/24/2020	09/24/2021	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	09/23/2016	03/23/2017	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	09/22/2017	11/18/2017	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	09/17/2014	11/14/2014	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061904	$1,200,000	09/04/2009	04/30/2010	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061904	$1,200,000	07/30/2009	09/04/2009	Cancelled
91X	BIPD/Primary	NATIONAL LIABILITY & FIRE INS CO.	73TRS102039	$750,000	07/18/2019	09/17/2019	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	07/16/2014	09/17/2014	Cancelled
91X	BIPD/Primary	NATIONAL LIABILITY & FIRE INS CO.	73TRS102039	$750,000	06/18/2019	08/19/2019	Cancelled
91X	BIPD/Primary	NATIONAL LIABILITY & FIRE INS CO.	73TRS102039	$750,000	06/18/2019	07/18/2019	Replaced
91X	BIPD/Primary	NATIONAL LIABILITY & FIRE INS CO.	73TRS090280	$750,000	06/18/2018	06/18/2019	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	06/18/2015	01/20/2016	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	06/15/2013	11/16/2013	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	05/19/2016	09/23/2016	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	05/16/2014	07/16/2014	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061904	$1,000,000	05/07/2009	07/30/2009	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061905	$1,000,000	04/30/2010	03/03/2011	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061905	$1,000,000	04/30/2010	02/01/2011	Replaced
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	03/23/2017	09/22/2017	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	03/23/2016	05/19/2016	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378-02	$750,000	02/01/2013	06/15/2013	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INS. CO. OF ILLINOIS	PRA-9337378-01	$750,000	02/01/2012	02/01/2013	Replaced
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9337378	$750,000	02/01/2011	11/27/2011	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061901	$1,000,000	02/01/2006	05/07/2009	Cancelled
91X	BIPD/Primary	ARCH INSURANCE COMPANY	FBCAT0061900	$1,000,000	02/01/2005	02/01/2006	Cancelled
91X	BIPD/Primary	SELECT INSURANCE CO.	GS2834440	$1,000,000	02/01/2001	02/01/2005	Replaced
91X	BIPD/Primary	SCOTTSDALE INSURANCE COMPANY	CTS0232582	$1,000,000	01/28/2020	09/24/2020	Replaced
91X	BIPD/Primary	SCOTTSDALE INSURANCE COMPANY	CTS0232582	$1,000,000	01/28/2020	09/26/2020	Cancelled
91X	BIPD/Primary	ZURICH AMERICAN INSURANCE COMPANY	PRA-9221951	$750,000	01/20/2016	03/23/2016	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC414663	CONTRACT	INVOLUNTARY REVOCATION	12/24/2015	DISCONTINUED REVOCATION	01/12/2016
MC414663	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	12/09/2024	-	-
MC414663	CONTRACT	INVOLUNTARY REVOCATION	10/31/2011	DISCONTINUED REVOCATION	11/01/2011
MC414663	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	10/23/2019	REVOKED	09/30/2024
MC414663	CONTRACT	INVOLUNTARY REVOCATION	10/23/2017	DISCONTINUED REVOCATION	10/26/2017
MC414663	CONTRACT	INVOLUNTARY REVOCATION	10/21/2013	DISCONTINUED REVOCATION	11/21/2013
MC414663	CONTRACT	INVOLUNTARY REVOCATION	10/20/2014	DISCONTINUED REVOCATION	11/12/2014
MC414663	MOTOR PROPERTY CONTRACT CARRIER	GRANTED	10/15/2001	REVOKED	03/29/2017
MC414663	CONTRACT	INVOLUNTARY REVOCATION	08/31/2020	DISCONTINUED REVOCATION	09/24/2020
MC414663	CONTRACT	INVOLUNTARY REVOCATION	08/30/2021	DISCONTINUED REVOCATION	09/23/2021
MC414663	CONTRACT	INVOLUNTARY REVOCATION	08/29/2016	DISCONTINUED REVOCATION	08/31/2016
MC414663	CONTRACT	INVOLUNTARY REVOCATION	08/28/2017	DISCONTINUED REVOCATION	09/01/2017
MC414663	CONTRACT	INVOLUNTARY REVOCATION	08/21/2014	DISCONTINUED REVOCATION	09/11/2014
MC414663	CONTRACT	INVOLUNTARY REVOCATION	06/19/2015	DISCONTINUED REVOCATION	06/22/2015
MC414663	CONTRACT	INVOLUNTARY REVOCATION	06/19/2014	DISCONTINUED REVOCATION	07/16/2014
MC414663	CONTRACT	INVOLUNTARY REVOCATION	05/22/2019	DISCONTINUED REVOCATION	06/19/2019
MC414663	CONTRACT	INVOLUNTARY REVOCATION	05/22/2018	DISCONTINUED REVOCATION	06/18/2018
MC414663	CONTRACT	INVOLUNTARY REVOCATION	05/20/2013	DISCONTINUED REVOCATION	05/23/2013
MC414663	CONTRACT	INVOLUNTARY REVOCATION	04/22/2016	DISCONTINUED REVOCATION	04/29/2016
MC414663	CONTRACT	INVOLUNTARY REVOCATION	04/21/2014	DISCONTINUED REVOCATION	05/06/2014
MC414663	MOTOR PROPERTY CONTRACT CARRIER	REINSTATED	04/12/2017	REVOKED	09/23/2019
MC414663	CONTRACT	INVOLUNTARY REVOCATION	04/10/2009	DISCONTINUED REVOCATION	04/14/2009
MC414663	CONTRACT	INVOLUNTARY REVOCATION	04/05/2010	DISCONTINUED REVOCATION	05/07/2010
MC414663	CONTRACT	INVOLUNTARY REVOCATION	02/25/2016	DISCONTINUED REVOCATION	03/21/2016
MC414663	CONTRACT	INVOLUNTARY REVOCATION	01/05/2006	DISCONTINUED REVOCATION	01/27/2006

No revocation records.

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

100/100

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

100, no deductions

Clean record, the bar stays full at 100.

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

No Unsatisfactory rating on file.

What's lowering this score

Clean record, no deductions. This carrier starts and stays at 100.

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.

KING D TRUCKING INC

Trust Score

Public record

Company Information

Contact Details

Other Companies at This Address

Operating Authorities

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Crash Records (1)

Roadside Violations by Safety Category Last 24 months

Inspection Records (34)

Safety Performance Percentiles

Licensing & Insurance

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