Commercial Auto Coverage from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. offers flexible and competitive Commercial Auto solutions designed to help agents and brokers place a wide range of light commercial vehicle risks. Whether you’re working with preferred or non-standard business, we provide access to markets that can accommodate small fleets and local operations across many industries. Our program is backed by AIG and offered on a non-admitted basis, giving you the tools to serve clients who need custom solutions outside of the admitted marketplace.
Ideal Accounts and Appetite
This program is tailored for small commercial accounts with local driving exposures. It's a strong fit for artisan contractors, tradespeople, and other service-based businesses that rely on light vehicles for daily operations. Here’s what we’re looking for:
- Light-duty vehicles used in local operations
- Private passenger-type autos, vans, SUVs, and pickups
- Horse and utility trailers
- Small dump trucks (up to 26,000 GVW)
- Accounts with up to 10 vehicles and 20 drivers
Example: You might have a small HVAC contractor with a fleet of six pickups and vans operating within a 50-mile radius. Or a landscaping business using a mix of utility trailers and trucks—both would be great candidates for this program.
Coverage Highlights and Advantages
Our Commercial Auto program is built to provide agents with the flexibility to meet diverse client needs. Key features include:
- Competitive pricing for both preferred and non-standard markets
- Flexible rating tiers to match varying risk profiles
- Insurance scoring to help tailor rates
- Combined single limits available up to $1 million
These features allow you to offer scalable coverage that protects your insureds while balancing affordability and underwriting appetite.
Underwriting Notes and Minimum Premiums
We work with a broad range of commercial vehicle risks, but we do have some important underwriting parameters to note:
- Maximum of 10 vehicles per account
- Maximum of 20 drivers
- Vehicles must fall within acceptable size and use guidelines (no long-haul trucking)
Minimum premiums vary by state and risk characteristics. Submissions should include complete driver and vehicle information to ensure quick turnaround and accurate quoting.
Territories and Availability
This Commercial Auto program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, IL, and GA. We are actively writing business in all 50 states except where otherwise restricted. Because this is a non-admitted program, availability is subject to surplus lines eligibility in each state.
Why Work With America's Internet Brokers, Inc.?
With access to AIG and a focus on providing flexible, responsive solutions, America's Internet Brokers, Inc. is a trusted partner for commercial auto placements. We specialize in helping agents and brokers find appropriate coverage for those accounts that don’t fit the standard mold. Our streamlined submission process and ability to work across a wide geographic footprint make us an excellent resource for placing small fleet and light commercial auto business.
Frequently Asked Questions
What types of accounts are a good fit for this Commercial Auto program?
Ideal accounts include small, local operations such as contractors, landscapers, and service-based businesses with up to 10 vehicles and 20 drivers.
Is this program available in my state?
The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact us to confirm eligibility in your specific state.
What types of vehicles are eligible for coverage?
Eligible vehicles include private passenger autos, SUVs, pickups, vans, utility trailers, horse trailers, and small dump trucks up to 26,000 GVW.
Does the program accept new ventures?
Yes, new ventures may be considered depending on the risk profile, driving history, and overall submission quality.
What limits are available under this program?
Limits up to $1 million combined single limit (CSL) are available, depending on underwriting approval.
Need help placing an account? Connect with a market specialist.