Infinity Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Infinity Insurance Company (part of Kemper) is focused on non‑standard auto, with limited current footprint and emphasis on California personal auto and small commercial auto placed via Infinity Insurance Agency, Inc. Official public-facing material does not provide a detailed, class-by-class underwriting appetite guide; most guidance is high-level and oriented to consumers rather than agents. Preferred / typical business: - Personal auto and nonstandard auto risks (drivers who may have difficulty finding coverage with preferred carriers), primarily in California. - Small commercial auto for business use of vehicles (contractors, delivery, service/retail, and other small businesses) written through Infinity Insurance Agency, Inc. and partner commercial auto carriers. Coverage is subject to each carrier’s underwriting qualifications and state availability, with Infinity positioned as a market for insureds needing SR‑22s, prior violations, or other nonstandard characteristics. Restricted / declined: - No explicit public list of prohibited classes or minimum/maximum vehicle counts is published on Infinity’s consumer site. Material notes that all coverage is subject to underwriting qualifications and state/program availability, so agents should expect tighter scrutiny on higher‑hazard commercial auto (e.g., large trucks, livery/passenger transport, hazardous materials, and other heavy trucking) and rely on program‑specific carrier guidelines from Infinity’s partner markets. Geographic notes: - Current third‑party reviews and Infinity’s own consumer information indicate that Infinity-branded personal auto appears to be limited to California, even though parent Kemper writes in multiple states. Agents should verify state availability before marketing new business outside CA. - Commercial auto information on infinityauto.com is presented on a state-by-state basis and references only a few states (examples shown for California, with separate location pages and minimum limits descriptions). Coverage and program availability, including filings and specialty vehicles (e.g., semi‑trucks), can vary and may require different carriers or additional coverage forms. Submission / documentation expectations (commercial auto): - For a commercial auto quote, Infinity Insurance Agency highlights the need for: - Description and type of business operations (e.g., delivery, construction, landscaping) and how vehicles are used. - VINs, current odometer readings, and radius of operations for each unit. - Vehicle values, including any permanently attached equipment. - Insurance history, including prior and current policies, any lapse in coverage (with explanation), and claims history. - Depending on state, additional information may be requested during underwriting. Agents are directed to work through an Infinity Insurance Agency representative to clarify required documents and underwriting questions. Broker / producer notes: - Infinity’s site positions Infinity Insurance Agency as a brokerage/agency that accesses a range of commercial auto carriers; agents should expect that underwriting rules, target classes, and pricing will follow the specific carrier and program, not a single uniform Infinity appetite. - Public material stresses that coverage is subject to meeting underwriting qualifications and state eligibility. Agents should be prepared for tighter review of risks with prior losses, lapses in coverage, or long‑radius/heavy vehicle exposures, and should submit complete vehicle and loss information up front to avoid delays. - No publicly posted producer guide or appetite brochure for Infinity Insurance Company itself was found; detailed appetite, binding authority, and restricted classes will need to be confirmed via appointed‑agent portals, program manuals, or directly with Infinity/Kemper marketing or underwriting staff.