Auto International Insurance

Insurance
07.07.2025
Hunter Blake

The globalized economy and the rise in international business and travel have made auto international insurance a critical topic for individuals and businesses alike. Whether you’re a small business owner operating vehicles across borders, an expatriate relocating to a new country, or a company managing a fleet for international operations, understanding auto international insurance is essential. This article explores the intricacies of auto international insurance, with a focus on commercial auto insurance offerings from leading providers like BiBerk, Infinity Auto, and Next Insurance. By examining the features, benefits, and limitations of these providers, we aim to equip readers with the knowledge to make informed decisions about their insurance needs.

What is Auto International Insurance?

Auto international insurance refers to insurance policies designed to cover vehicles used in multiple countries or for cross-border operations. Unlike standard auto insurance, which typically applies within a single country, international auto insurance accounts for varying regulations, risks, and requirements across different jurisdictions. This type of insurance is particularly relevant for businesses with commercial vehicles, expatriates driving in foreign countries, and individuals traveling abroad with their vehicles.

The complexity of international auto insurance arises from differences in legal requirements, driving conditions, and risk profiles across countries. For example, some countries mandate specific types of coverage, such as third-party liability, while others may require additional protections like comprehensive or collision coverage. Auto international insurance ensures that drivers and businesses remain compliant and protected, regardless of where they operate.

Why is Auto International Insurance Important?

The importance of auto international insurance cannot be overstated. Operating vehicles in foreign countries without proper coverage can lead to significant financial and legal consequences. For businesses, a lack of adequate insurance can result in costly repairs, legal battles, or even business interruptions. For individuals, it can mean personal liability for accidents or damage. Auto international insurance provides peace of mind by mitigating these risks and ensuring compliance with local laws.

Moreover, the rise in global trade and mobility has increased the demand for such insurance. Businesses expanding internationally or individuals relocating for work need policies that adapt to their unique circumstances. Providers like BiBerk, Infinity Auto, and Next Insurance have recognized this need and offer tailored solutions for commercial auto insurance, which we will explore in detail.

Why is Auto International Insurance Important?

Understanding Commercial Auto Insurance

Commercial auto insurance is a subset of auto international insurance that focuses on vehicles used for business purposes. Unlike personal auto insurance, which covers vehicles used for personal activities, commercial auto insurance is designed to protect businesses from financial losses resulting from accidents, theft, or damage involving company vehicles. This is particularly relevant for businesses operating internationally, where vehicles may cross borders or operate in regions with unique risks.

Commercial auto insurance typically includes coverage for bodily injury, property damage, medical payments, uninsured/underinsured motorist protection, collision, and comprehensive damage. For businesses operating internationally, additional considerations such as hired and non-owned auto coverage or cross-border liability may be necessary.

Key Features of Commercial Auto Insurance

Commercial auto insurance policies vary by provider, but they generally include the following key features:

Bodily Injury Liability: Covers medical expenses or legal costs if a business vehicle causes injury to another person.
Property Damage Liability: Pays for damage caused to another person’s property, such as vehicles or infrastructure.
Medical Payments: Covers medical expenses for injuries sustained by employees or passengers in a business vehicle, regardless of fault.
Uninsured/Underinsured Motorist Coverage: Protects against damages caused by drivers with insufficient or no insurance.
Collision Coverage: Pays for repairs to a business vehicle damaged in an accident.
Comprehensive Coverage: Covers non-collision-related damage, such as theft, vandalism, or natural disasters.

These features are critical for businesses operating internationally, where risks such as unfamiliar road conditions, varying traffic laws, or higher accident rates may apply. Let’s now examine how BiBerk, Infinity Auto, and Next Insurance address these needs.

BiBerk: Commercial Auto Insurance for Small Businesses

BiBerk, a part of Warren Buffett’s Berkshire Hathaway Insurance Group, is a leading provider of commercial auto insurance, particularly for small businesses. Founded in 2015, BiBerk has gained a reputation for its direct-to-consumer model, which eliminates intermediaries and reduces costs. This approach makes it an attractive option for businesses seeking affordable yet reliable international auto insurance solutions.

Key Features of BiBerk’s Commercial Auto Insurance

BiBerk’s commercial auto insurance is designed to be simple, affordable, and accessible. Here are some of its standout features:

Direct-to-Consumer Model: By selling policies directly online, BiBerk claims to offer savings of up to 20% compared to traditional brokers. This is particularly beneficial for small businesses operating on tight budgets.
Comprehensive Coverage Options: BiBerk provides all standard commercial auto insurance coverages, including bodily injury, property damage, medical payments, uninsured motorist, collision, and comprehensive coverage. However, it does not offer hired and non-owned vehicle coverage as part of its commercial auto policy, which may be a limitation for businesses relying on rented or employee-owned vehicles.
Digital Convenience: Businesses can obtain quotes, purchase policies, and manage claims entirely online through BiBerk’s website or mobile app. This digital-first approach is ideal for businesses operating internationally, where time zones and logistics can complicate traditional insurance processes.
Financial Strength: Backed by Berkshire Hathaway, BiBerk boasts an A++ financial strength rating from AM Best and an AA+ rating from S&P in 2024, ensuring reliability in paying claims.
Customer Satisfaction: BiBerk holds a 4.5 out of 5 rating on Trustpilot and a 4.19 out of 5 customer review rating with the Better Business Bureau (BBB), reflecting high customer satisfaction.

Limitations of BiBerk

Despite its strengths, BiBerk has some drawbacks. Its online model may not suit businesses with complex needs requiring personalized agent support. Additionally, complaints about its commercial property and liability insurance are significantly higher than the industry average, which may raise concerns for some policyholders. Furthermore, BiBerk’s commercial auto insurance is not available in all states, and businesses needing coverage for hired or non-owned vehicles must purchase additional policies, such as general liability or business owners’ policies.

Why Choose BiBerk for International Operations?

For small businesses operating internationally, BiBerk’s affordability and digital tools make it a compelling choice. Its ability to provide instant quotes and coverage online is particularly valuable for businesses managing vehicles across multiple regions. However, businesses with complex fleets or those requiring coverage for non-owned vehicles may need to explore additional options.

Infinity Auto: Tailored Solutions for High-Risk Drivers

Infinity Auto, a subsidiary of Kemper Insurance, specializes in providing commercial auto insurance for high-risk drivers and businesses with unique needs. Operating since 1955, Infinity has carved a niche in serving clients who may not qualify for standard coverage, such as those with foreign licenses, matricula consulars, or a history of driving violations.

Key Features of Infinity Auto’s Commercial Auto Insurance

Infinity Auto’s commercial auto insurance is designed to be flexible and accessible, particularly for small businesses and independent drivers. Its key features include:

Coverage for High-Risk Drivers: Infinity offers low rates for drivers with foreign licenses or less-than-stellar driving records, making it a go-to option for businesses with diverse workforces.
Customizable Policies: Infinity provides a range of coverage options, including liability, collision, comprehensive, and add-ons like trailer or equipment coverage. This flexibility allows businesses to tailor policies to their specific needs.
Bilingual Support: With 100% Spanish-bilingual agents, Infinity caters to businesses operating in multicultural or international markets, ensuring clear communication and support.
Mobile App Access: Infinity customers can manage policies, make payments, and access claims through Kemper’s Auto Insurance app, available on Android and iOS.
Discounts and Payment Flexibility: Infinity offers discounts for paid-in-full policies, prior coverage, multivehicle policies, and more. It also provides multiple payment options, including recurring payments, to accommodate businesses with varying cash flows.

Limitations of Infinity Auto

Infinity Auto’s reach is limited to certain states, primarily California, which may restrict its applicability for businesses with international operations spanning multiple regions. Additionally, its focus on high-risk drivers may result in higher premiums compared to providers like BiBerk or Next, particularly for businesses with clean driving records.

Why Choose Infinity Auto for International Operations?

Infinity Auto is an excellent choice for businesses operating in regions with diverse driver profiles or those requiring coverage for non-standard vehicles, such as cargo vans or flatbed trucks. Its bilingual support and flexible eligibility criteria make it particularly appealing for businesses operating in multilingual or cross-border environments. However, businesses needing coverage in multiple states or those prioritizing low costs may need to compare Infinity with other providers.

Next Insurance: A Digital-First Approach to Commercial Auto Insurance

Next Insurance is a relatively new player in the insurance industry, focusing on providing digital-first solutions for small businesses and independent contractors. Its commercial auto insurance is tailored to meet the needs of businesses in industries like construction, delivery, and professional services, making it a strong contender for international operations.

Key Features of Next Insurance’s Commercial Auto Insurance

Next Insurance stands out for its user-friendly platform and industry-specific coverage options. Its key features include:

Fast and Easy Application Process: Next’s online application process allows businesses to obtain quotes and purchase policies within 24 hours, making it ideal for time-sensitive international operations.
Industry-Specific Coverage: Next offers tailored policies for industries such as construction, beauty and wellness, and professional services. This includes commercial auto coverage for vehicles used in these sectors, as well as add-ons like tools and equipment insurance.
Affordable Pricing: Next is known for its competitive pricing, often more affordable than BiBerk for certain industries. Its transparent pricing and flexible monthly plans appeal to small businesses with limited budgets.
Excellent Customer Service: Next provides dedicated support teams to assist businesses in navigating the insurance process, ensuring a seamless experience for international clients.
Comprehensive Coverage Options: Next offers standard commercial auto coverages, including liability, collision, and comprehensive, as well as specialized options like hired and non-owned auto coverage, which BiBerk lacks in its commercial auto policy.

Limitations of Next Insurance

While Next excels in affordability and ease of use, it may not offer the same level of financial backing as BiBerk, which is supported by Berkshire Hathaway. Additionally, its customer review ratings, while generally positive, are slightly lower than BiBerk’s on platforms like Trustpilot and the BBB. Businesses with large fleets or those requiring highly specialized coverage may find Next’s offerings less comprehensive than those of larger providers like Progressive or The Hartford.

Why Choose Next Insurance for International Operations?

Next Insurance is ideal for small businesses and independent contractors seeking a streamlined, cost-effective solution for commercial auto insurance. Its digital platform and industry-specific coverage make it a strong choice for businesses operating in dynamic international markets. However, businesses with complex needs or those requiring extensive fleet coverage may need to supplement Next’s policies with additional providers.

Comparing BiBerk, Infinity Auto, and Next Insurance

To choose the right provider for auto international insurance, businesses must consider their specific needs, budget, and operational scope. Below is a comparative analysis of BiBerk, Infinity Auto, and Next Insurance:

Affordability: BiBerk and Next are known for their competitive pricing, with BiBerk claiming up to 20% savings by eliminating intermediaries and Next offering flexible monthly plans. Infinity Auto may have higher premiums, particularly for high-risk drivers, but its discounts can offset costs for eligible businesses.
Coverage Options: All three providers offer standard commercial auto coverages, but Next stands out for its hired and non-owned auto coverage, which BiBerk lacks in its commercial auto policy. Infinity Auto provides unique add-ons like trailer and equipment coverage, making it suitable for businesses with specialized vehicles.
Digital Experience: BiBerk and Next lead in digital convenience, offering fully online quote, purchase, and claim management processes. Infinity Auto also provides a mobile app but may require more direct interaction with agents, particularly for complex policies.
Customer Support: Infinity Auto’s bilingual support is a significant advantage for businesses in multicultural regions. BiBerk and Next also offer excellent customer service, with BiBerk earning higher ratings on review platforms.
Financial Strength: BiBerk’s backing by Berkshire Hathaway gives it unparalleled financial stability, with an A++ rating from AM Best. Infinity Auto, backed by Kemper, holds an A- rating, while Next’s financial strength is less emphasized in available data.

Considerations for International Auto Insurance

When selecting auto international insurance, businesses and individuals must consider several factors:

Regulatory Compliance: Different countries have unique insurance requirements. For example, some may mandate third-party liability coverage, while others require comprehensive insurance. Ensure your provider can adapt policies to meet these standards.
Risk Profiles: International operations may involve higher risks, such as unfamiliar road conditions or political instability. Choose a provider with flexible coverage options to address these risks.
Cross-Border Coverage: Ensure the policy covers vehicles crossing borders or operating in multiple countries. Some providers, like BiBerk, may have limitations in certain regions.
Cost vs. Coverage: Balance affordability with comprehensive coverage. Providers like BiBerk and Next offer cost-effective solutions, but ensure the policy meets your specific needs.
Customer Support: For international operations, responsive and accessible customer support is crucial. Infinity Auto’s bilingual support and BiBerk’s online tools are notable in this regard.

The Future of Auto International Insurance

The auto insurance market, including international and commercial segments, is evolving rapidly. According to industry projections, the global car insurance market is expected to reach $1,764.2 million by 2030, growing at a CAGR of 13.7% from 2024 to 2030. This growth is driven by technological advancements, such as telematics and generative AI, which streamline claims processes and enhance customer experiences.

Providers like BiBerk, Infinity Auto, and Next Insurance are at the forefront of this transformation, leveraging digital platforms to simplify insurance processes. As businesses and individuals increasingly operate across borders, the demand for flexible, affordable, and comprehensive auto international insurance will continue to rise.

Final message

Auto international insurance, particularly commercial auto insurance, is a vital tool for businesses and individuals navigating the complexities of global operations. Providers like BiBerk, Infinity Auto, and Next Insurance offer tailored solutions to meet diverse needs, from affordability and digital convenience to specialized coverage for high-risk drivers. By understanding the features, benefits, and limitations of these providers, businesses can make informed decisions to protect their assets and ensure compliance across borders.

BiBerk stands out for its financial strength and cost savings, Infinity Auto excels in serving high-risk drivers with bilingual support, and Next Insurance offers a digital-first approach with industry-specific coverage. Ultimately, the right choice depends on your business’s unique needs, budget, and operational scope. As the auto insurance market continues to evolve, staying informed about providers and their offerings will be key to securing the best coverage for international operations.

You may also be interested in What is Commercial Auto Insurance. Coverage, Costs, and Benefits

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