Infinity Insurance Agency (IIA) isn’t a single insurer or policy form—it’s an agency that shops multiple carriers to place your commercial auto coverage. That can be a win for owner-operators and smaller fleets that want options, bilingual service, and help placing drivers with foreign licenses or less-than-perfect records. Because policies are issued by partner carriers, make sure you understand which insurer is on the declarations page and how claims and filings are handled before you bind.
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Infinity at a Glance
What Infinity Is: A brokerage-style agency (Infinity Insurance Agency) that places commercial auto with multiple carriers—often more than 20—so your benefits, filings, and claims run through the issuing insurer, not the agency.
Who It Fits: Owner-operators and small to mid-size fleets that want agency help, including Spanish-bilingual agents, flexibility for drivers with foreign licenses or imperfect MVRs, and coverage for a range of vehicles such as straight and flatbed trucks, box trucks, pickups, cargo vans, and utility trailers.
Footprint: Infinity highlights commercial auto availability with state-specific guides (e.g., CA, AZ, CO, CT, FL, GA, PA, TX). Actual availability depends on which carrier writes your policy.
What Infinity Actually Offers Truckers
Commercial Auto (Placed With Partner Carriers)
Infinity positions core coverages—auto liability, physical damage, UM/UIM, and related options—tailored to your business and vehicle class. Coverage can extend to connected trailers when eligible, but terms and limits depend on the issuing carrier, so read the endorsements closely.
Hired & Non-Owned Auto (HNOA)
The agency can help place HNOA when employees rent or borrow vehicles or use personal autos for work. Depending on the carrier, HNOA may sit on the commercial auto policy or on a BOP/GL endorsement—confirm placement so certificates reflect the correct policy.
Cargo (Via Inland Marine / Motor Truck Cargo)
Infinity’s agents route accounts to carriers that offer the right cargo form (e.g., named-perils versus all-risk, open-cover). Expect the usual exclusions and sub-limits; align theft, reefer, and debris-removal terms with your contracts and commodities.
Discounts & Savings Paths
Infinity outlines common discounts partner carriers may offer: paid-in-full, multi-vehicle, good driver, business experience, multi-policy, and proof of prior insurance. Which apply—and by how much—varies by state and insurer.
Claims & Service
Because Infinity is an agency, your claims are handled by the issuing carrier’s claims department. Infinity provides carrier contact references and can help you find the right claims phone or portal when you need it.
Pros & Cons
Pros
- Agency Flexibility: Access to multiple insurers can help match hard-to-place risks, niche vehicle types, or mixed equipment (including straight and flatbed units with trailers) without starting from scratch with each carrier.
- Bilingual & Inclusive Signals: The agency highlights Spanish-bilingual agents and a willingness to work with foreign licenses and imperfect records—useful for real-world recruiting and retention.
- Practical Add-Ons: Agents regularly place HNOA and cargo coverage alongside commercial auto, so common trucking exposures can be handled in one quoting process.
Cons
- Carrier Varies: Rates, endorsements (reefer, trailer interchange, downtime), and A.M. Best ratings depend entirely on the insurer that issues your policy. Pin down forms and financial strength before binding.
- State Availability Differs: Infinity’s highlighted states don’t guarantee carrier availability for every risk; actual options hinge on each insurer’s appetite.
- Filings Not Guaranteed by the Agency: For for-hire/interstate carriers, confirm whether the issuing insurer will file BMC-91X/MCS-90 and how quickly filings will post with regulators.
Who Infinity Is Best For
- O/Os and Small–Mid Fleets: Best for teams that want a hands-on agency to shop multiple carriers—especially if you need bilingual support, have drivers with foreign licenses, or run mixed light/medium trucks, straight trucks, and trailers.
- Think Twice If You Need One Branded Carrier: If you require publicly posted trucking endorsements, standardized discounts, and a single carrier name across all documents, note that specifics will vary with Infinity’s carrier placement.
Pricing & Discounts (What’s Public)
There’s no universal rate card. Pricing, fees, and discounts are carrier- and state-specific. Ask for a written quote that identifies the issuing insurer, all applicable discounts, and any payment-plan or policy fees, so you can compare apples to apples across alternatives.
What to Confirm Before You Bind
- Issuing Carrier & Rating: Identify which insurer is on the declarations page, verify A.M. Best rating, and review policy forms and endorsements for gaps.
- Filings & Authority: Confirm whether the carrier will issue BMC-91X/MCS-90 (and any intrastate filings) and the timeline for postings so authority isn’t delayed.
- Cargo/HNOA Specifics: Lock in limits, deductibles, and key terms (theft, reefer, debris removal) and clarify whether HNOA sits on auto or BOP/GL for certificate wording.
- Vehicles & Trailers: Verify eligibility for your equipment list, how connected trailers are covered, and whether trailer interchange is available if required by contracts.
- State Availability & Discounts: Ensure your operating states are supported and which discounts actually apply on the chosen carrier’s policy.
Bottom Line
Infinity (IIA) is a practical, bilingual agency path to commercial truck coverage. It’s well-suited to fleets that want an advocate to shop multiple carriers and accommodate mixed vehicles, foreign licenses, and real-world driver histories. Because Infinity places rather than underwrites, your filings, endorsements, discounts, and claims experience hinge on the carrier they select—so lock those details in writing before you roll.
Sources
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