Ideal Accounts and Appetite
This program is well-suited for a wide range of commercial auto risks, including but not limited to:
- Contractors and tradespeople with work trucks or vans
- Delivery services using medium-duty vehicles
- Service-based businesses with local or intermediate driving needs
- Fleets up to 4 units (bindable online)
- Business-use vehicles registered to individuals
Nearly 300 classification codes are eligible, making this a versatile option for agents placing small to mid-sized commercial auto accounts.
Coverage Highlights and Advantages
The AmTrust Preferred Commercial Auto program offers robust liability and physical damage coverage with combined single limits (CSL) ranging from $300,000 to $1 million. Key program features include:
- Online binding available for up to 4 vehicles
- Schedule credit available directly within the rater
- VIN decoding for automatic vehicle data pre-fill
- Immediate market access with FEIN
- Flexible payment options: check, EFT, credit card, or electronic check
These tools save time and streamline the quote-to-bind process—giving agents the ability to secure coverage quickly and confidently.
Underwriting Notes and Minimum Premiums
Underwriting is designed to accommodate a wide variety of business auto risks, with flexible eligibility for individual and business registrations alike. While there is no stated minimum premium, competitive pricing and payment plan flexibility allow agents to address a range of client budgets. For details on available payment plans, contact your BTIS representative or our Customer Service Department at 877.649.6682.
Territories and Availability
The AmTrust Preferred Commercial Auto program is available on an admitted basis in the following states: AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MD, MN, MO, MT, NV, NH, NJ, NY, NC, OH, OR, PA, TN, TX, VT, WA, and WI.
Why Work With BTIS
BTIS is known for its responsive service, cutting-edge technology, and strong carrier partnerships. As a general agency with a focus on helping agents grow their commercial books, we make it easy to quote, bind, and service commercial auto accounts. With AmTrust’s financial strength and BTIS’s streamlined processes, you can confidently place your clients' commercial auto needs while saving time and effort.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to mid-sized businesses with light, medium, or heavy vehicles operating within a local or intermediate radius are ideal. Contractors, delivery services, and service-based businesses are common fits.
Can I bind multiple vehicles online?
Yes, you can bind up to 4 commercial vehicles online through the platform, making it quick and efficient to secure coverage for small fleets.
Are vehicles registered to individuals eligible?
Yes, business-use vehicles that are registered to individuals are eligible under this program.
What are the available liability limits?
The program offers combined single limits (CSL) ranging from $300,000 up to $1 million.
Which states is this program available in?
This program is available in over 25 states, including CA, TX, FL, NY, and more. Contact BTIS for the full list of eligible states.
Need help placing an account? Connect with a market specialist.