AAA-ACA Requirements | Pruuvn

AAA-ACA Required Insurance
& Onboarding Information

To become an AAA-ACA provider there are specific insurance and documentation requirements you must meet. Pruuvn® verifies your credentials and helps you join the network with confidence.

Coverage at a Glance

$1M

General Liability

Required

$1M

Auto Liability

Required

$150K

On-Hook Coverage

Required

—

Garage Keepers

If Storing

—

Care & Custody

Optional

Insurance Requirements

List of Insurance Requirements

All providers must carry the following coverages. Conditional coverages apply based on your specific operations.

Required

Conditional

Optional

Required

$1,000,000

General Liability

Commercial General Liability per each occurrence

Required

$1,000,000

Auto Liability

Commercial Automobile Liability insurance

Required

$150,000

On-Hook Coverage

Property insurance covering vehicles in tow

Conditional

Garage Keepers

Required if you store vehicles. Covers customer vehicles while on your premises

Conditional

Workers' Compensation

Required per state law where applicable

Optional

Customer Care & Custody

Coverage for vehicles in your care, custody, and control during service

⚠ Additional Insured Requirement — Mandatory

You must list AAA-ACA as an additional insured on your policy for both ongoing and completed operations. Your certificate of insurance (COI) must reflect this designation and be submitted during onboarding.

Certificate Holder & Additional Insured Address: AAA-ACA
1 River Place
Wilmington, DE 19801

Onboarding Requirements

What You'll Need to Get Started

Please have the following items ready to complete your AAA-ACA onboarding.

1
Company Information — Legal business name, business address, EIN / Tax ID, and primary contact information
2
State Registration / Articles of Incorporation — Current state business registration or articles of incorporation
3
List of All Owners — Full names and ownership percentages for all business owners must be provided
4
W9 Form — Must match your business name, address, and EIN exactly
5
USDOT Number — Required for operators subject to DOT regulations
6
Certificates of Insurance (COI) — Auto Liability, General Liability, On-Hook; Garage Keepers and Workers' Comp where applicable. Must be active, verifiable, and list AAA-ACA as additional insured

Banking Verification

Bank Account & Payment Verification

To ensure accurate and secure payment disbursements, all providers must verify their banking information before activation on the network.

🏢

Voided Check

A voided check stub with the company or owner name matching your business documents on file

✅

Bank Verification

Bank account verification confirming account ownership and routing details

💳

Direct Deposit Verification

Confirmation of direct deposit setup for payment processing and disbursements

The name on the voided check must match the legal business name or owner name on file with Pruuvn.

Background Checks

Driver Screening Process

Background checks are required for all active providers. Pruuvn collects the required information, performs the screening, and provides ongoing monitoring. Screening is included as part of the AAA-ACA onboarding process at no additional cost to you.

Enrollment Steps

Enter AAA-ACA Onboarding Code

Enter the onboarding code provided to you by AAA-ACA. This code links your account to the network during registration

Position Profile Pre-Assigned

AAA-ACA position profiles are already configured in the system — no setup required on your end

Screening Email Sent Automatically

Once onboarding is initiated, Pruuvn automatically sends each driver a secure background check email — nothing for you to forward or manage

Required from Each Driver

Government-issued ID

Current address

Social Security Number (encrypted upon collection)

Voided Check

Bank Verification

Direct Deposit Verification

Enter AAA-ACA Onboarding Code

Position Profile Pre-Assigned

Screening Email Sent Automatically

Required from Each Driver

Ready to Join the AAA-ACA Network?