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Commercial Alliance Health Insurance Company

A review of Commercial Alliance Health Insurance Company finds instead the Commercial Alliance Insurance Company. CAIC, as it is known, is based in Houston, Texas, and offers personal auto insurance coverage. Unfortunately, it does not offer health insurance policies.

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CAIC’s website does not offer as much information as other insurance companies. It appears that the company is still issuing insurance policies, even though the last press release was issued a little less than two years ago.

Commercial Alliance Insurance Company History

Commercial Alliance Insurance Company began doing business in the U.S. in 1998 as a division of Comercial America Insurance Company, which in turn was an offshoot of Seguros Comercial América, S.A. De C.V., an insurance and financial services company in Mexico and Latin America. In 1999, CAIC began offering a “Non-Resident” auto policy for Mexican drivers who needed insurance coverage when they drove into the United States.

Ten years later, in 2009, CAIC began offering non-standard auto insurance in Mississippi and South Carolina. In 2010, it expanded once more, this time into Alabama. Commercial Alliance Insurance Company plans to start offering auto insurance in California, Texas, and Georgia soon.

CAIC touts the fact that its management team has been in place since the very beginning of the company, pointing to stability in a somewhat unstable industry. The company’s mission has remained the same since the beginning, as well, with an emphasis on values and customer service, and a goal to be the leading company in its target markets.

Commercial Alliance Insurance Company Products

CAIC specializes in automobile insurance, both standard and non-standard policies. It also began offering homeowners coverage two years ago. The company does not offer health insurance policies, and has not announced any plans to expand into the health insurance industry in the near future.

CAIC’s auto insurance policies include those for individual customers, as well as commercial ones. Its standard auto insurance coverage features the basic insurance mandatory in each state it operates, as well as more complete coverage. This includes:

  • Uninsured and underinsured motorist
  • Liability
  • Comprehensive
  • Collision

Uninsured and underinsured coverage will pay your claims when you are injured or your car is damaged in an accident caused by a hit-and-run driver, or a driver who is not insured. If you submit a bodily injury claim and the amount is more than the other driver is covered for, the underinsured policy will pay the medical bills that are left after the other driver’s insurance pays to its limit.

Liability will provide insurance protection if you are in an accident that is your fault, and there are injuries and/or property damage to the other vehicle, other driver, other passengers, or to your own passengers. It will also protect you if you are driving somebody else’s vehicle and get into an accident.

Comprehensive auto insurance protects your vehicle in the event it incurs damage from things like:

  • Hail
  • Fire
  • Vandalism
  • Theft
  • Riots
  • Wind
  • Flood
  • Falling objects
  • Collisions with animals

Collision insurance protects you from damages caused by colliding into other objects (except for animals, which are covered under comprehensive) such as:

  • Poles
  • Road dividers
  • Parked cars

CAIC’s non-standard auto insurance is for drivers that might have a harder time getting insurance coverage because they are considered high risk. This includes new drivers, as well as drivers with bad credit or poor driving records. This could also include drivers of high-value cars, such as collector, hot-rod, or high performance cars.

Commercial Alliance Insurance Company Ratings

CAIC has received a rating of “A-” or “Excellent” for its financial strength from insurance industry rating company, A.M. Best Company. A.M. Best has also given CAIC an issuer credit rating of “a-” and sees the company’s outlook as “stable.” The Commercial Alliance Insurance Company has received an “Excellent” rating from A.M. Best for eleven years straight.

Commercial Alliance Insurance Company Careers

The company lists its open positions on its website. It could be the right employer for you if you are interested in any of these fields:

  • Underwriting
  • Marketing
  • Human resources
  • Accounting
  • Product management
  • Customer service
  • Operations
  • Finance
  • Claims
  • Compliance

Currently, the company only has positions available in its Houston, Texas office. If you are interested, look at its website for an exact list of job openings, since they could change at any time. CAIC offers a generous employee benefits package.

CAIC might be the company for you if you are looking for auto insurance. However, if you still need health insurance quotes, please type your zip code into the box below and we will find you rates from several providers in your area.

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