Why Kemper Commercial Matters for Independent Agents
Commercial auto is one of the most competitive and volatile lines in the current insurance market. Standard carriers have tightened underwriting, raised rates, and non-renewed more commercial auto accounts in the past three years than at any point in recent history. The result: a growing pool of displaced commercial auto clients who need coverage but can't qualify for standard markets.
Kemper Corporation — through its Kemper and Infinity brands — is one of the largest and most experienced non-standard and specialty auto carriers in the United States. For independent agents, Kemper is the solution for commercial auto accounts that standard carriers won't write.
Commercial Products Available Through IPA
Non-Standard Commercial Auto
- Fleets with driver issues: Commercial vehicles where one or more drivers have prior violations, accidents, or license issues that standard carriers flag. Kemper evaluates these accounts rather than automatically declining.
- Commercial vehicles after losses: Businesses that have had commercial auto claims and been non-renewed by their carrier. Kemper can often provide coverage when standard markets won't.
- Specialty vehicle classes: Certain commercial vehicle types that fall outside standard carrier appetites — including certain cargo, delivery, and contractor vehicles.
- New commercial ventures: Businesses without a commercial auto history that can't qualify for standard market pricing and eligibility.
Industry Focus
Kemper Commercial has appetite for commercial auto in:
- General contractors and skilled trades
- Delivery and courier services (light to mid-size fleets)
- Food and beverage delivery
- Landscaping and lawn care
- Cleaning and janitorial businesses
- Small trucking and transportation operations
- Retail delivery and distribution
Commercial Package and GL
Beyond auto, Kemper offers general liability and commercial package products for certain business classes — particularly for the same small commercial segments where they write commercial auto. Bundling commercial auto with GL through Kemper can simplify placement for small commercial accounts.
The Infinity Commercial Auto Legacy
Infinity Property & Casualty built its reputation as a specialty and non-standard auto carrier for markets that standard companies avoided — including commercial auto. When Kemper acquired Infinity, they absorbed that specialty auto expertise and expanded it into their broader platform. Today, agents writing commercial auto through Kemper benefit from decades of specialty auto underwriting experience.
Getting Appointed Through IPA
Through IPA, you can access Kemper and Infinity commercial products without a separate direct appointment:
- Immediate access to non-standard commercial auto markets
- Support from IPA on eligibility and submission requirements
- Access alongside standard commercial auto markets so you can quote both
- No standalone production minimums for specialty carrier access
Ready to Access Kemper Commercial Through IPA?
If you have commercial auto accounts that standard carriers are declining or non-renewing, Kemper is the solution. Book a discovery call with IPA and we will walk you through how to place non-standard commercial auto with Kemper and Infinity immediately.