Commercial Auto

Commercial Auto — Bind Genie

Bind Genie is a Managing General Agency offering national commercial auto placement with access to multiple A+ rated markets. We specialize in monoline commercial auto programs and compete in all 50 states to help independent agents place accounts that other markets are no longer writing.

Overview of the Program

This program focuses on straightforward, well-managed commercial auto exposures across a wide range of industries. Underwriters at Bind Genie work with retail agents to produce quick quotes from a completed ACORD application and to provide stable capacity where carriers have reduced footprint or withdrawn entirely.

Ideal Accounts and Appetite

• Contractors' vehicle fleets (landscaping, carpentry, light construction).
• Retail and wholesale operations with delivery or service vehicles.
• Corporately owned passenger autos and pickup trucks (PPTs).
• Small to mid-size commercial auto fleets seeking admitted or strong non-standard placement with A+ rated capacity.

We typically do not target large, high-exposure long-haul trucking fleets today (trucking is noted as coming soon). Accounts with poor loss control, frequent violations, or undocumented drivers may not fit.

Coverage Highlights and Advantages

• Access to multiple A+ rated carriers competing on monoline commercial auto.
• Ability to book roll business when other carriers exit states — helpful for agents managing renewals and portability issues.
• Fast turnaround: submit a completed ACORD application for quick quotes.
• Higher-than-average commission structures and commission payments wired to your bank account.
• Dedicated underwriting for contractor, retail delivery, wholesale, and corporately owned vehicle exposures.
• Exclusive markets and binding authority in select territories — hard-to-find pens other wholesalers may not have.

Underwriting Notes and Submission Tips

• Start with a completed ACORD application and include recent loss runs to speed the quoting process.
• Document driver screens, MVRs, and vehicle schedules for faster eligibility review.
• There are no onerous appointment or volume requirements — Bind Genie aims to make access straightforward for retail agents.
• Underwriting looks for demonstrated risk management (safety programs, vehicle maintenance, hiring practices) on fleets of all sizes.

Example Accounts That Fit

• A regional landscaping contractor with 6 pickup trucks and trailers that needs a monoline commercial auto policy with competitive terms after their previous carrier reduced appetite.
• A family-owned grocery distributor with a small delivery fleet looking for admitted capacity and a quick turnaround at renewal.

Territories and Availability

Bind Genie places commercial auto business in all 50 states, providing broad geographic access for agents and clients. If you have placement needs in a state where other carriers have exited, Bind Genie may be able to provide a competitive option.

Why Work With Bind Genie

• Two decades of experience providing stable markets for difficult lines of business.
• Responsive service — phone calls answered and follow-ups within 24 hours.
• Simplified onboarding: no complex appointment process and electronic commission payments.
• Focus on delivering fast quotes, strong markets, and higher commissions to retail agents.

Visit our website Bindgenie.com to get started or call us at (855) 205-0098. Have a question on a possible submission? Email us at [email protected]

Frequently Asked Questions

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