Business Auto Physical Damage

Offering Flexible Coverage for On-the-Road Risks

Business vehicles can sustain damage in so many ways. Accidents, rollovers, collisions, flying objects to name just a few. Damage also is often caused by animals, fire, hail and earthquakes.


GMI partnered with a highly rated carrier to create flexible coverage that can be standalone or paired with other coverages like our Business Auto or General Liability.


Note: Program available to retail agents in all states except AK, District of Columbia, HI, MA, NJ and US Virgin Islands at this time. 

Targeted Classes

• Artisan Contractors / Contractors

• Manufacturers hauling their own product

• Distributors hauling their own product

• Retailers/Merchants

• Street, Road, and Debris Removal Services

Targeted Vehicles

• Private Passenger (PPT/PPV)

• Light & Medium Trucks

• Heavy Trucks/Tractors

• Dump Trucks

• Trailers

Program Highlights

• A.M. Best Rated “A+” non-admitted carrier

• Total Insurable Value (TIV) cannot exceed $2,000,000 at any one location

• Flexible deductibles

• Older fleets acceptable

Prohibited Risks

• CDL drivers with less than three (3) years experience operating truck / tractor

• CDL drivers with less than two (2) years experience operating heavy trucks

Submission Requirements

GMI Business Auto Physical Damage Supplemental Application

• Five (5) years loss runs valued within 90 days of effective date

• Explanation of losses greater than $50,000

• List of all MC/DOT numbers for all named insureds

Business Development Team

Lori Smith

Business Development

Lynise Walton

Business Development

Trish Yaeckel

Business Development


“You all are seriously the best =)
I want to thank you for handling this so quickly for us. You were all very quick and efficient.”

Alyssa G.
Florida Agent