Program Administrators - GMI Insurance

GMI Insurance

Programs & Coverages: Monoline Business Auto, Cannabis Transport, Workers' Compensation, Auto Rental Fleet, Contingent Auto Lease, General Liability

Company Description

Programs & Coverages

Monoline Business Auto

GMI has been a premier writer of commercial auto insurance for over 40 years and has been writing Monoline Business Auto for the past two decades. Eligible accounts are automobile fleets that support business activities where the primary goal is to sell and distribute owned products, perform contracting operations, and provide services to customers.

Program Highlights

  • Underwritten by A.M. Best “A” rated admitted carriers
  • Minimum of two (2) vehicles
  • Overall loss ratio of 40% or better for fleet accounts, 25% or better for non-fleet accounts
  • Good drivers

Additional Coverage Highlights

  • Additional Insured by Contract or Agreement
  • Hired Auto Physical Damage coverage
  • Towing and Labor
  • Accidental Airbag Deployment coverage
  • Loan/Lease Gap coverage
  • Extended Cancellation Condition
  • Vehicle Wrap coverage
  • Audio Visual and Data Electronic Equipment coverage

Typical Classes

  • Contractors
  • Retailers
  • Distributors
  • Wholesalers
  • Systems Installation

Typical Vehicles

  • Private Passenger (PPT/PPV)
  • Light Trucks
  • Medium Trucks
  • Heavy Trucks/Tractors
  • Extra Heavy Trucks/Tractors
  • Dump Trucks/Trailers

Typical Uses

  • Product Delivery
  • Service Calls
  • Material/Equipment Delivery
  • Sales Calls
  • Product Installation
  • Retail Delivery

Business Auto Enhancement Endorsement
Our Business Auto Enhancement Endorsement has been added to broaden the coverage in our standard auto policy. Coverage is combined under one endorsement and not available standalone.

Employees as Insureds Endorsement is also available.

Click here to learn more

Program available to retail agents in all states except District of Columbia, MA, NY and VA at this time.

Chris Lewis
(610) 933-4679, ext 278


Cannabis Transport

Our program is the one of few available that provides Physical Damage and Motor Truck Cargo with coverage extending to "reefer" trucks too. We can also write coverages separately if there is a need for only Physical Damage or Motor Truck Cargo. The coverage can also cover third-party specialty transporters and courier services. 

We’ve partnered with an A.M. Best “A-” rated carrier, this program is one of the most comprehensive programs available to this specialty industry—from the company who has over two decades of experience writing transportation-related insurance.

Program Highlights

  • Start-up / new business risks acceptable with proper experience
  • Vehicle stated value up to $200,000 any one unit 
  • $1M maximum limit for covered cargo vehicle 

Targeted Classes

  • Cultivators
  • Processors & Harvesters
  • Manufacturers
  • Wholesalers & Distributors
  • Retailers
  • Dispensaries
  • Specialty Transporters
  • Courier Services
  • Licensed Transportation Services

Acceptable Cargo

  • Finished cannabis stock and products containing cannabis and/or its derivatives
  • Stock In-Process
  • Seeds
  • Seedlings
  • Vegetative Plants including Mother Plant(s)
  • Flowering Plants
  • Harvested Cannabis Material

Click here to find out more

Program available to retail agents in the following states: AZ, CA, CO, CT, DE, IL, MA, ME, MI, MO, MT, NM, NJ, NV, NY, OR, RI, VA, VT, and WA at this time.

Chris Lewis
(610) 933-4679, ext 278


Workers' Compensation

Our Workers Comp practice offers some of the most comprehensive coverage to contractors, healthcare businesses, retailers and auto dealers, plus hundreds of other classes. With over a decade of experience writing this state-regulated coverage—and partners who include an A.M. Best “A++” rated admitted carrier—why go anywhere else. 
GMI has over four decades of experience insuring a wide variety of business classes. We back up our great rates with unique market relationships, exceptional service, and more.
Having trouble finding coverage for a specific class?
Give us a call and we'll review your risk. We're happy to give you helpful feedback—even if we can't cover your client.
Targeted Classes
• Construction
• Healthcare
• Manufacturing
• Auto Dealers
• Retail
• Distribution
Program Highlights
• Underwriters include an A.M. Best “A++” rated admitted carrier
• Unique carrier relationships
• Minimum premium $40K
• No maximum premium
• No XMOD restrictions

Click here to find out more!

Program available to retail agents in all states except ND, OH, WA, and WY at this time.

Shawn-Michael Hall Senior
(440) 773-7983


Auto Rental Fleet

Our program—created with an A.M. Best Rated “A+” admitted carrier—provides Daily Auto Rental coverage for individuals and fleets operated by:

  • New and Used Car Dealerships
  • Turo Car Sharing Hosts
  • Independent and Franchised Car Rental Agencies
  • Auto Repair Shops and Collision Centers
  • Self-Storage Facilities

Prospects include independent franchisees of Hertz, Avis, Budget, National, etc., any independent auto rental operator, dealerships or repair shops with auto rental fleets or storage facilities with truck rental fleets. Each account is underwritten carefully, based on each client’s individual need.

Program Highlights

  • Underwritten by A.M. Best “A” rated carriers
  • All claims handled in-house
  • Any size fleet, big or small
  • No obligation policy comparison provided
  • Risk Management & Loss Control Services
  • Claims Analysis & Loss Run Reviews
  • Standalone Rental Subrogation Unit

Click here to find out more

Program available to retail agents in all states.

Dave Bond
(610) 933-4679, ext 272


Contingent Auto Lease

A specialized coverage in the complex world of commercial auto insurance is leasing operations. Our program is designed to cover a multitude of potential exposures on a contingency, excess, physical damage and interim basis for a minimum 12-month term. We partnered with an A.M. Best Rated “A+” admitted carrier to bring you this specialized coverage.

Coverage Includes

  • Contingent/Excess Liability insurance provides coverage to the lessor of a leased auto for third party liability damages resulting from an accident and the lessee’s insurance is not collectible.
  • Contingent Physical Damage protects the lessor’s interest in the owned auto when the lessee’s comprehensive and collision insurance is not collectible.
  • Interim Car Coverage provides both liability and physical damage to off-lease owned autos while being held for sale and being re-leased

Click here to find out more!  

Program available to retail agents in all states except LA and NY.

Mark Trudel
(610) 933-4679, ext 215


General Liability

Our General Liability program covers costs related to medical or legal expenses resulting from a worksite or office incident that leads to a lawsuit, injuries to people who aren’t employees, damage to non-owned property and accusations of slander or libel. 

Contractors involved in tract home work are prohibited in all states including work done on a wrap-up or OCIP. Pollution Liability is NOT covered.

Program Highlights

  • Underwritten by an A.M. Best Rated “A-” carrier
  • Minimum premium is $2,500
  • $1,000 minimum deductible
  • Maximum limits are $1M / $2M
  • Maximum per location / project aggregate is $5M
  • Available Contractor Advantage Extension Endorsement

Click here to find out more!   

Program available to retail agents in all states except AK, CO, District of Columbia, NJ and NY.

Chris Lewis
(610) 933-4679, ext 278