FAQs

Frequently Asked Questions (FAQ)

1. What does American Pro Insurance specialize in?

American Pro Insurance is a full-service independent insurance agency offering affordable coverage for auto, commercial trucking, home, business, and specialty programs. We work with multiple A-rated carriers to find the best policy for each client.

2. Is American Pro Insurance licensed in California?

Yes — American Pro Insurance is fully licensed in the state of California to write both personal and commercial insurance policies, including DMV and FMCSA-required filings.

3. Do you offer coverage outside of California?

While we are based in California, American Pro Insurance partners with national carriers and can secure coverage in several other U.S. states depending on the program. Contact us with your location to confirm availability.

4. How fast can I get a quote?

Most of our insurance products can be quoted same-day, often within 15–30 minutes, as long as we have the basic information required.

5. Do you charge any broker or agency fees?

American Pro Insurance is committed to transparency. Some policies may require a small brokerage or servicing fee, which will be disclosed upfront — we do not hide or surprise you with any additional fees.

6. What types of auto insurance do you provide?

We offer:

  • Personal auto liability/full coverage

  • SR-22 filings

  • High-risk drivers

  • Commercial auto

  • Tow trucks, hotshot trucking & long-haul trucking

7. Can you insure new trucking authorities and startups?

Yes. We specialize in helping new trucking companies, hotshots, owner-operators, and carriers with new MC or DOT numbers, even if you have no prior insurance history.

8. Do you provide insurance for restaurants and other small businesses?

Absolutely — American Pro Insurance provides Business Owners Policies (BOP), General Liability, Workers Comp, Commercial Property, Liquor Liability, and more – tailored for restaurants, retailers, contractors, and other SMBs.

9. What documents do I need to get insured?

This varies by program, but generally you'll need:

  • Driver’s license or business license

  • Vehicle/business information

  • Proof of prior insurance (if any)

  • Loss runs/experience (commercial lines only)

10. How can I make changes to or renew my policy?

Simply call, text, or email American Pro Insurance — our servicing team can help you add vehicles, change drivers, update addresses, or renew coverage hassle-free.

11. Can I manage my policy online?

Yes — most of our insurance carriers offer online portals for ID cards, payments, claims, and policy documents. We’ll assist you with setting up online access.

12. How do I file a claim?

You can either file directly through your insurance carrier’s 24/7 claims line or contact American Pro Insurance and we’ll walk you through the entire claims process step-by-step.