Corporate Information

Crusader Insurance Company (Crusader) is a stock company incorporated on June 14, 1976. We are a wholly owned subsidiary of Unico American Corporation. Unico is a publicly owned insurance holding company traded on the NASDAQ under the symbol “UNAM.” Unico’s management has been providing insurance services for over 45 years.

The majority of Crusader’s policies are underwritten through an affiliated general agency, Unifax Insurance Systems, Inc.

Crusader Insurance Company was evaluated by the A.M. Best Company and assigned a Financial Strength rating (“FSR”) of B++ “Good,” with an Outlook rating of “Stable” and with a Financial Size Category (“FSC”) rating of “VI.”

Crusader is domiciled in California and is licensed to transact property and casualty insurance on an “admitted” basis in Arizona, California, Nevada, Oregon and Washington, under NAIC #14010.

A Business of Caring

Crusader is committed to offering competitive commercial package policies backed by a financially secure insurance company, with an unwavering dedication to providing quality products that are responsive to market needs.

We support and enhance this product foundation by providing outstanding value and service to our customers, agents and to the brokerage community.

Strength, stability, tradition and a generation of experience are the cornerstones of our business. If you want to do business with a company that really cares about you and understands your needs, give us a call.

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In 1953, the Cheldin Insurance Agency started marketing insurance to commercial and personal customers. Erwin Cheldin, the founder, faced many of the same problems producers face today: inflexible underwriting, minimum volume requirements, and slow impersonal service. He dreamed of overcoming such problems by starting a better insurance company, one with vision and insight that understood the challenges facing producers.

In 1976, Erwin realized his dream when Crusader Insurance Company was incorporated. His focus was answering the real needs of the customers and of the independent agents and brokers, by offering fast telephone quotes, extended hours, two-day policy issuance, and responsive underwriting.

Crusader began its California operations in 1985, specializing in small commercial accounts. In 1996, Cary L. Cheldin, Erwin’s son, was elected President of Crusader. Cary began his insurance career in 1980 and, following in his father’s footsteps, embraced the same personal commitment and dedication to unparalleled customer service.

As Crusader grew through product innovation and sales support, it became renowned for its full range of commercial package products offering expanded services, including the convenience of easy premium financing through a sister company.

Furthermore, the company’s management has played an active role toward the improvement of the insurance industry, its laws, marketing, politics, and practice, particularly for the benefit of policyholders.


Crusader Insurance Company has been guided by the needs and expectations of our customers.   We have responded with competitive business package policies they desired, backed by the safety and security of a stable and financially sound insurance company.

Our products are available through independent agents and brokers. If you are not able to find a local broker or agent, please contact us at 800-669-9800 or email us at

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Crusader Insurance Company offers property and casualty coverage for hundreds of types of businesses. Our strength is driven by an unwavering dedication to providing outstanding value through quality products and unparalleled service, with staff that are knowledgeable, personable, and respectful.

Our underwriters accept most application forms or you can download our custom forms from this website. Typically, quotes are issued after submitting an application to an authorized company underwriter.

Our standard for brokerage service is to provide quotes within 24 hours, issue policies within 72 hours, and respond to and resolve inquiries within 48 hours.  We take pride in having earned a time-tested reputation for responsiveness that meets or exceeds the expectations of our customers, agents, and brokers.


Easy to process premium financing is available on most programs through one of our sister companies. To make a payment please visit AAC Loans website.