Commercial Auto Coverage from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. provides flexible, competitive Commercial Auto solutions to help agents and brokers place a wide range of light commercial vehicle risks. Whether the account is preferred or non-standard, our program gives you access to markets that accommodate small fleets and local operations across many industries. Coverage is backed by AIG and offered on a non-admitted (surplus lines) basis when required, giving you options for accounts that fall outside the admitted marketplace.
Ideal Accounts and Appetite
This program is designed for small commercial accounts with primarily local driving exposures. It's an excellent fit for artisan contractors, tradespeople, and service-based businesses that rely on light vehicles for daily operations. We typically write accounts with:
- 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 up to 20 drivers
Example: You might have a small HVAC contractor with six pickups and vans working within a 50-mile radius, or a landscaping business that operates utility trailers and pickup trucks locally — both are strong candidates for this program.
Coverage Highlights and Advantages
The Commercial Auto program is built to give agents flexibility when matching coverage to a client's needs. Key features include:
- Competitive pricing across preferred and non-standard tiers
- Flexible rating tiers to align with varying risk profiles
- Use of insurance scoring to help tailor rates
- Combined single limits available up to $1 million
These options let you balance protection and affordability while placing accounts that need customized solutions.
Underwriting Notes and Minimum Premiums
We can handle a broad range of commercial vehicle risks, but there are underwriting parameters to keep in mind:
- Maximum of 10 vehicles per account
- Maximum of 20 drivers
- Vehicles must meet acceptable size and use guidelines (no long-haul trucking or specialized heavy equipment)
Minimum premiums vary by state and risk characteristics. For the fastest response and most accurate quote, include complete driver and vehicle details with your submission.
Territories and Availability
This Commercial Auto program is available in most U.S. states, including CA, TX, FL, NY, IL, and GA. We actively write business across the country subject to surplus lines eligibility and any state-specific restrictions. Contact us to confirm availability and filing requirements in the state where the risk is domiciled.
Why Work With America's Internet Brokers, Inc.?
America's Internet Brokers, Inc. pairs underwriting flexibility with carrier access—most notably AIG—to help you place hard-to-place or bespoke commercial auto risks. Our team focuses on responsive service, practical underwriting, and a streamlined submission process so you can move accounts from submission to bind quickly. If you work with small fleets, trades, or service contractors that need tailored coverage, this program gives you a reliable surplus-lines option.
Frequently Asked Questions
What types of accounts are a good fit for this Commercial Auto program?
Small, local operations such as contractor crews, landscapers, and other service businesses with up to 10 vehicles and 20 drivers are ideal.
Is this program available in my state?
The program is available in most states, including CA, TX, FL, and NY. Because coverage is placed on a non-admitted basis when necessary, confirm surplus lines eligibility and filing requirements for the specific state.
What vehicle types are eligible?
Eligible vehicles include private passenger autos, SUVs, pickups, vans, utility and horse trailers, and small dump trucks up to 26,000 GVW.
Do you consider new ventures?
Yes—new ventures can be considered depending on driving history, risk profile, and the completeness of the submission.
What limits are available under this program?
Combined single limits up to $1 million are available, subject to underwriting approval.
Need help placing an account? Connect with a market specialist.