Authority & Insurance · Carrier profile · USDOT 3144521

RUBEN A ENCINAS

CALEXICO, CA 86

Authority & Insurance

Active operating authority by type and the full insurance continuity timeline — insurer, policy, coverage, and any lapses — so you can confirm they can legally and adequately haul your load today.

Operating authority· 49 CFR · per type

Operating authority

Common: Active
Contract: None
Broker: None

Insurance & bonds

BIPD / liability$750,000 in force

Cargo filing (census)Not recorded per census

Surety bond (census)Not recorded per census

Insurance adequacy· filed BIPD vs the $750k federal floor

$750k on filegeneral-freight federal minimum

$750k floor

Filed BIPD coverage of $750k meets or exceeds the $750k federal minimum for general freight (49 CFR 387.9). Some commodities (hazmat, larger vehicles) require $1M–$5M — confirm against your load.

Insurance continuity· insurer · policy · lapses

$750k BIPD last filed · 4 insurers · 1 lapseCoverage lapse

Commercial Alliance’19–’22

National Unity’22–’23

New Horizon’23–’26

2018202020222024now

Shorter eras are too brief to label at this scale — all 6 insurers are named in the list below.

BIPD in force — $750,000 · NATIONAL UNITY INSURANCE COMPANY · since May 2026

All 6 insurer eras · dates, limits, renewals

Insurer	Period	Limit	Renewals
NEW HORIZON INSURANCE COMPANY	Dec 2023 → May 2026	$750k	16
PALOMAR SPECIALTY INSURANCE COMPANY	Dec 2023 → Jan 2024	$750k	2
NEW HORIZON INSURANCE COMPANY	May 2023 → Oct 2023	$750k	7
NATIONAL UNITY INSURANCE COMPANY	May 2022 → May 2023	$750k	1
COMMERCIAL ALLIANCE INSURANCE COMPANY	May 2019 → May 2022	$750k	9
NATIONAL UNITY INSURANCE COMPANY	Oct 2018 → Dec 2018	$750k	1