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Authorized · PropertyUSDOT 291072· MC184368· CARRIER· EIN 41-3478654
⬇ PDF report

USDOT 291072

Vetting snapshot
Authority
Active
operating authority
Insurance
$1M BIPD
ARCH INSURANCE COMPANY
Vehicle OOS
28.8%
above 22% national avg
Driver OOS
1.4%
below 6.7% national avg
Crashes 24mo
8
none fatal
Red flags
None
nothing flagged
70
/ 100

Risk factors

Moderate riskVioCodes score
Vehicle OOS 28.8% — above the 22% national average8 crashes in the last 24 months

A weighted read of the public FMCSA signals below — authority, insurance, out-of-service, crashes, roadside OOS rates, and carrier connections. A starting point for vetting, not a guarantee.

Broker payment signals

Bond, cancellation & authority risk for this broker — from free FMCSA records.

Proceed with checks
Broker bond
Trust on file
BMC-85 trust · PACIFIC FINANCIAL ASSOCIATION, INC.
Cancellation filed
None
bond since 04/10/2026
Authority
Active
10 past revocations
Registered
—
  • Authority revoked 10 times historically (reinstated) — a pattern worth noting.
  • Bond has changed hands 10 times across 4 sureties — churn can signal payment or coverage trouble.

These are FMCSA bond & authority signals — not a credit report. A filed bond cancellation is the biggest early warning that a broker may stop paying, but days-to-pay and slow-pay history aren’t public FMCSA data — verify those with a broker-credit service or references before extending terms.

Authority & insurance

MC184368

Operating authority and insurance on file — from FMCSA Licensing & Insurance (L&I).

Common
None
Contract
Active
Broker
Active
Authorized for: Property
Liability (BIPD)
$1M on file
$750K required
Cargo
Not on file
not required
Bond / surety
On file
required
Insurance filings
ON FILELiability (BIPD) — BMC-91X$1M coverageeff 05/01/2026
ARCH INSURANCE COMPANY· policy ZACAT3311301
ON FILEProperty broker trust — BMC-85eff 04/10/2026
PACIFIC FINANCIAL ASSOCIATION, INC.· policy NONE
Authority history (14) ▾
04/23/2026CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (04/29/2026)
04/23/2026BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (05/04/2026)
04/10/2026PROPERTY BROKERREINSTATED
02/26/2026CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (03/16/2026)
04/29/2021BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (06/08/2021)
04/29/2021CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (06/08/2021)
06/28/2010BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (07/01/2010)
06/28/2010CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (06/25/2010)
04/06/2009CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (04/16/2009)
11/09/2005CONTRACTINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (11/21/2005)
11/09/2005BROKERINVOLUNTARY REVOCATION→ DISCONTINUED REVOCATION (11/21/2005)
07/16/1993PROPERTY BROKERGRANTED→ REVOKED (03/31/2026)
02/24/1988MOTOR PROPERTY CONTRACT CARRIERGRANTED
10/23/1985MOTOR PROPERTY CONTRACT CARRIERGRANTED
Insurance history11 insurers on record
Filing timeline (39) ▾
  1. ARCH INSURANCE COMPANY$1MName Changed
    BIPD/Primary · eff 03/18/2026 → 05/26/2026
  2. PACIFIC FINANCIAL ASSOCIATION, INC.$750KName Changed
    TRUST FUND · eff 04/07/2026 → 05/26/2026
  3. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 03/18/2026 → 05/01/2026
  4. PACIFIC FINANCIAL ASSOCIATION, INC.$750KReplaced
    TRUST FUND · eff 04/07/2026 → 04/10/2026
  5. HANOVER INSURANCE CO.$750KName Changed
    CARGO · eff 06/24/2010 → 03/31/2026
  6. PACIFIC FINANCIAL ASSOCIATION, INC.$750KName Changed
    TRUST FUND · eff 10/01/2013 → 03/31/2026
  7. ARCH INSURANCE COMPANY$1MName Changed
    BIPD/Primary · eff 05/01/2025 → 03/31/2026
  8. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2025 → 03/18/2026
  9. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2024 → 05/01/2025
  10. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2023 → 05/01/2024
  11. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2022 → 05/01/2023
  12. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2021 → 05/01/2022
  13. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2020 → 05/01/2021
  14. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2019 → 05/01/2020
  15. ARCH INSURANCE COMPANY$1MReplaced
    BIPD/Primary · eff 05/01/2018 → 05/01/2019

Source: FMCSA Licensing & Insurance (L&I), public data. This shows the carrier’s federal insurance filings (BMC-91X liability, BMC-34 cargo) — the federally-required minimums on file for operating authority — not the carrier’s full commercial policy (its actual auto combined-single-limit, general liability, cargo, or workers’ comp, which appear on the carrier’s ACORD certificate of insurance). Always confirm current coverage with a COI from the carrier’s agent before making a vetting decision.

Roadside inspection performance

Out-of-service rate vs national average. Lower is better.

Vehicle59 inspections · 28.8% OOS · National 22%
Driver144 inspections · 1.4% OOS · National 6.7%

Crash record (US, last 24 months)

Total

8

Tow-away

8

Injury

2

Fatal

0

Data change history

Every FMCSA record change we’ve detected — address, fleet size, contacts, MCS-150 — newest first.

Activity history

53 events
  1. 05/26/2026Insurance name changed — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3311300

  2. 05/26/2026Insurance name changed — PACIFIC FINANCIAL ASSOCIATION, INC.

    TRUST FUND · policy NONE

  3. 05/01/2026Insurance filed — ARCH INSURANCE COMPANY

    Liability (BIPD) — BMC-91X · policy ZACAT3311301

  4. 05/01/2026Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3311300

  5. 04/23/2026CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (04/29/2026)

  6. 04/23/2026BROKER — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (05/04/2026)

  7. 04/10/2026PROPERTY BROKER — REINSTATED
  8. 04/10/2026Insurance filed — PACIFIC FINANCIAL ASSOCIATION, INC.

    Property broker trust — BMC-85 · policy NONE

  9. 04/10/2026Insurance replaced — PACIFIC FINANCIAL ASSOCIATION, INC.

    TRUST FUND · policy NONE

  10. 03/31/2026Insurance name changed — HANOVER INSURANCE CO.

    CARGO · policy IHX8603592

  11. 03/31/2026Insurance name changed — PACIFIC FINANCIAL ASSOCIATION, INC.

    TRUST FUND · policy NONE

  12. 03/31/2026Insurance name changed — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330709

  13. 03/18/2026Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330709

  14. 02/26/2026CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (03/16/2026)

  15. 05/01/2025Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330708

  16. 05/01/2024Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330707

  17. 05/01/2023Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330706

  18. 05/01/2022Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330705

  19. 05/01/2021Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330704

  20. 04/29/2021BROKER — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (06/08/2021)

  21. 04/29/2021CONTRACT — INVOLUNTARY REVOCATION

    DISCONTINUED REVOCATION (06/08/2021)

  22. 05/01/2020Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330703

  23. 05/01/2019Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330702

  24. 05/01/2018Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330701

  25. 05/01/2017Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3330700

  26. 05/01/2016Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3326800

  27. 05/01/2015Insurance replaced — ARCH INSURANCE COMPANY

    BIPD/Primary · policy ZACAT3306900

  28. 04/01/2014Insurance replaced — SPARTA INSURANCE COMPANY

    BIPD/Primary · policy 024TU00121

  29. 10/01/2013Insurance replaced — PACIFIC FINANCIAL ASSOCIATION, INC.

    TRUST FUND · policy NONE

  30. 08/02/2010Insurance name changed — PACIFIC FINANCIAL ASSOCIATION, INC.

    TRUST FUND · policy NONE

Merged from FMCSA authority, insurance, out-of-service, and census records.

★

FMCSA safety rating

Rating
Satisfactory
Type
Compliance review
Rated
2015-04-01
Last review
2015-03-27
⚡

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Data sourced from public FMCSA records via safer.fmcsa.dot.gov · Latest FMCSA update: Oct 2026 · Page refreshed: Nov 11, 2026, 7:17 PM. VioCodes is not affiliated with FMCSA. To dispute incorrect data, file a DataQs Request for Data Review.