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GMI Shield

Covering Your Commercial Transportation Risks With One Package

GMI has been a premier writer of commercial auto insurance since 1980. Since then, we have kept an eye on the insurance marketplace and looked or opportunities that would allow for growth and diversification.

 

GMI SHIELD solves the problem of having to source individual coverages from various carriers and putting together your own “package” for your transportation accounts. Sticking to our core strength as commercial transportation underwriters—GMI SHIELD brings you all the essential coverages in one package—Business Auto Physical Damage, Motor Truck Cargo and General Liability.

Business Auto Physical Damage

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

Typical Classes

• Artisan Contractors / Contractors

• Manufacturers hauling their own product

• Distributors hauling their own product

• Retailers / Merchants

• Street, Road, and Debris Removal services

• Trucking 

Typical Vehicles

• Private Passenger (PPT / PPV)

• Light & Medium Trucks

• Heavy Trucks / Tractors

• Dump Trucks

• Trailers

Coverage Highlights

• Underwritten by an 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

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

Motor Truck Cargo

For-hire trucking clients assume a large amount of financial responsibility for the cargo they haul each and every time they enter our nation’s highways. A loss could be the result of an accident, refrigeration breakdown or theft. To help mitigate those risks, we deliver solutions and services exclusively to clients that haul freight on roads and highways.

Typical Classes

 For-Hire Carriers

• Contract Motor Carriers

• Box Trucks

• Cargo Vans

• Flatbeds

• Refrigeration Units

 

• Tractor-Trailers

• Local and Long-Haul shipping vehicles

• Low loss frequency

• Excellent traffic safety record

• Consistently profitable operations

 

Coverage Highlights

• Underwritten by an A.M. Best rated “A+”  non-admitted carrier

• Available limits from $100,000 to $ 250,000

• Deductibles from $1,000 to $5,000

• Loss ratio less than 60%

• Accepting new ventures

• Trailer Interchange and Refrigeration Breakdown endorsements available

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

General Liability

Could your clients survive a liability claim against their business? Our non-admitted general liability program covers costs related to medical or legal expenses resulting from a worksite or office incident that leads to a lawsuit. It also covers injuries to people who aren’t employees, damage to property you don’t own and accusations of slander or libel.

Coverage Highlights

• Underwritten by an A.M. Best Rated “A-” non-admitted carrier

• Premium varies by business class

• $1,000 minimum deductible

• Maximum limits are $1M / $2M

• Maximum per location / project aggregate is $5M

• Contractor Advantage Extension Endorsement available

 

Note: Program available to retail agents in all states except AK, CO, District of Columbia, NJ and NY at this time.

Business Development Team

Lori Smith

Business Development

Lynise Walton

Business Development

Wendy Watson

Business Development

Trish Yaeckel

Business Development

WHY CHOOSE US

“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