Business Auto Coverage for U.S. Vehicles Operating in Mexico
The MexiPass Business Auto Program, offered by MexiPass International Insurance Services, is designed specifically for U.S.-registered commercial vehicles that operate in Mexico for business purposes. This exclusive program bridges the coverage gap that often exists when American-owned vehicles cross into Mexican territory, ensuring your clients are fully protected with coverage comparable to U.S. Business Auto policies.
MexiPass is a trusted Managing General Agency (MGA) with deep expertise in cross-border insurance solutions. Through their partnership with AIG – Mexico, a member company of AIG, they provide robust, customized coverage options tailored to the unique risks of driving business vehicles in Mexico.
Ideal Accounts and Appetite
This program is an excellent fit for businesses based in the United States that send company-owned vehicles into Mexico for commercial activities. Ideal risks include:
- Logistics and freight companies transporting goods across the border
- Construction contractors working on cross-border projects
- Field service businesses with Mexican clients or operations
- Sales teams or consultants traveling into Mexico for client visits
You might have a client who operates a fleet of trucks delivering equipment to Northern Mexico or a U.S.-based engineering firm regularly sending vehicles to job sites across the border—this program is built precisely for those scenarios.
Coverage Highlights and Advantages
Unlike standard Mexican auto policies, the MexiPass Business Auto Program mirrors the U.S. Business Auto Coverage Form, offering a level of protection that agents and their insureds will appreciate. Key coverage features include:
- Liability limits up to $1,000,000 Combined Single Limit (CSL)
- Medical Payments
- Uninsured Motorist Coverage
- True Comprehensive and Collision coverage for physical damage
This program ensures that your clients are not forced to settle for lower protection standards simply because their vehicles are operating abroad. The policy structure and language are familiar to U.S. insureds and claims professionals, reducing confusion and improving claims outcomes.
Underwriting Notes and Minimum Premiums
While the program is non-admitted, it is backed by a strong carrier with deep local knowledge and financial strength in Mexico. Underwriting will consider various risk factors including vehicle type, radius of operation within Mexico, and frequency of travel.
Please contact MexiPass directly for detailed underwriting guidelines and minimum premium requirements, as these may vary based on account specifics.
Territories and Availability
The MexiPass Business Auto Program is available to agents and brokers in all 50 states and Washington, D.C. Coverage applies to U.S.-registered vehicles while operating in Mexico for business purposes. This broad availability makes it easy for you to serve clients across the country with cross-border needs.
Why Work With MexiPass?
MexiPass specializes in cross-border insurance solutions and understands the legal and regulatory differences between the U.S. and Mexico. Their team offers responsive underwriting support and policy structures designed to mirror U.S. standards. Agents and brokers benefit from their niche expertise, strong carrier partnership, and commitment to comprehensive, reliable coverage for clients operating in both countries.
Visit the MexiPass Business Auto Program storefront to learn more or begin placing accounts today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
U.S.-based businesses that own vehicles regularly operating in Mexico for commercial purposes are ideal. This includes logistics, construction, consulting, and other cross-border service providers.
How does this coverage differ from standard Mexican auto insurance?
Unlike traditional Mexican policies, this program mirrors U.S. Business Auto Coverage Forms, offering higher liability limits, medical payments, uninsured motorist coverage, and true comprehensive and collision coverage.
Is this program admitted or non-admitted?
The MexiPass Business Auto Program is written on a non-admitted basis through AIG – Mexico, giving flexibility in coverage design while maintaining strong carrier backing.
Can I write business in any state?
Yes, this program is available to agents and brokers in all 50 states and Washington, D.C.
What documentation is required to submit a quote?
Typically, you'll need vehicle details, driver information, and a description of the business operations in Mexico. Contact MexiPass for specific submission requirements.
Need help placing an account? Connect with a market specialist.