Fred Loya Insurance: Company Profile & Background Check FAQs

Fred Loya Insurance was founded in 1974 in El Paso, Texas, by Fred Loya Sr., who opened a single storefront office selling auto insurance. The company remains headquartered in El Paso and is family-owned and privately held, with the Loya family continuing to lead the business. From that single office, the company has grown into one of the larger Hispanic-founded insurance businesses in the country.

The company specializes in personal auto insurance, with a focus on affordable liability coverage and flexible payment options. Fred Loya has historically served drivers who may have difficulty finding low-cost coverage elsewhere, including high-risk drivers and underserved communities, and it has built a strong presence in Hispanic markets with bilingual service in many locations. A distinctive part of its model is placing agency offices where customers already shop, including supermarkets, shopping centers, and standalone storefronts.

Fred Loya Insurance has expanded well beyond Texas. According to the company, it operates more than 800 offices across roughly a dozen states, including Texas, California, Colorado, New Mexico, Nevada, Arizona, Illinois, Georgia, and others, supported by a workforce the company reports at more than 3,500 employees. Growth has come through steady office openings in new markets rather than through a single national brand campaign.

The company's workforce includes licensed insurance agents and sales representatives who staff its retail offices, claims adjusters and investigators, customer service and call center employees, and corporate staff in areas such as underwriting support, finance, IT, and human resources at its El Paso headquarters.

Company culture and employee programs: Fred Loya Insurance promotes itself as a family business with deep roots in the communities it serves, and many customer-facing roles involve bilingual service in English and Spanish. Sales roles typically involve helping walk-in customers quote and purchase policies, and the company supports employees in obtaining and maintaining state insurance licenses where required. Compensation structures, training, and benefits vary by role and location, so candidates should confirm specifics during the interview process.

Yes. Employers in the insurance industry, including Fred Loya Insurance, are legally permitted to conduct pre-employment background checks on job candidates, provided they follow applicable federal, state, and local laws. In the United States, screening performed through a consumer reporting agency is governed by the Fair Credit Reporting Act (FCRA), which requires disclosure, written consent, and specific adverse action procedures. Insurance employers also operate under state insurance regulations and federal rules that make screening especially common in this industry.

Fred Loya Insurance is generally reported to conduct background checks as part of its hiring process, which is consistent with standard practice across the insurance industry. Employees handle customer payments, personal data, and claims funds, and licensed agent roles are subject to state licensing requirements that typically include their own background review. The exact scope of a Fred Loya background check may vary by role, state, and level of financial responsibility.

The Fred Loya hiring process typically begins with an online application or an in-person inquiry at a local office. Candidates who advance generally complete one or more interviews with a district or regional manager for sales roles, or with hiring managers for claims and corporate positions. Sales candidates may discuss licensing requirements, since agents usually need a state insurance license, which the company may help new hires obtain. Candidates who receive a conditional offer are typically asked to consent to a background check before their start date is confirmed.

Turnaround times depend on the searches included in the report, the responsiveness of courts and previous employers, and the number of jurisdictions tied to the candidate's address history. Many background checks are finished within a few business days, while reports involving several county courthouse searches or manual verifications can take longer. Candidates who want to understand typical timelines can review background check turnaround times.

Employers decide which screenings to include based on the role. For positions at an auto insurance company like Fred Loya, a background check may include some or all of the following:

Candidates should review the disclosure and consent forms provided during hiring to see which searches apply to their specific position.

Lookback periods depend on the type of search and the laws of the candidate's state. Under the FCRA, most negative non-conviction information generally cannot be reported after seven years, while criminal convictions can often be reported for longer under federal law. Some states where Fred Loya operates, including California and New Mexico, impose a seven-year limit on reporting convictions in many circumstances. As a result, how far back a Fred Loya background check reaches can vary based on where the candidate lives and works.

Fred Loya Insurance does not publish a detailed public policy on hiring candidates with felony records, and decisions are typically made case by case. Candidates should be aware that federal law adds a consideration specific to this industry: under 18 U.S.C. Section 1033, individuals convicted of a felony involving dishonesty or breach of trust generally may not work in the business of insurance without written consent from a state insurance regulator. For other offenses, employers commonly weigh the nature of the crime, how long ago it occurred, and its relevance to the role. Many states and cities have "ban-the-box" laws that limit when employers can ask about criminal history, and candidates are encouraged to answer application questions honestly.

Before a background check begins, candidates will typically be asked to sign a written disclosure and authorization form as required by the FCRA. Expect to provide accurate personal information, including your full legal name, date of birth, Social Security number, and address history. For licensed roles, Fred Loya background check requirements may also include verifying insurance licenses or supporting the state licensing process, which involves its own application and background review in most states. Accurate information helps prevent delays and mismatched records.

The Fair Credit Reporting Act is a federal law that governs how consumer reporting agencies collect, use, and share background check information. It requires employers to obtain a candidate's written permission before running a background check, and if an employer intends to take adverse action based on the report, the candidate must first receive a copy of the report and a summary of rights, along with a reasonable opportunity to dispute inaccurate or incomplete information. For a deeper look at the FCRA and Equal Employment Opportunity Commission (EEOC) guidance, visit this introduction to the Fair Credit Reporting Act (FCRA).

Running a personal background check with Checkr lets you preview what Fred Loya Insurance may see and helps you identify potential inaccuracies before they affect your job application. In one secure report you can review:

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The resources and information provided here are for educational and informational purposes only and do not constitute legal advice. Always consult your own counsel for up-to-date legal advice and guidance related to your practices, needs, and compliance with applicable laws.