Please review our detailed list of prohibited classes. If the business operation appears on the list, we would not be able to offer coverage. However, if you are seeking a quote for the service units only (PPTs and light vehicles), please contact your GMI rep to discuss your options. Does the insured's business operation consist of any of the following: insert list from second sheet in this file Is the business operation on the list above?

Does the insured’s business operation consist of any of the following:

Amusement or carnival type vehicles, including those hauling amusement equipment
Any animal transport—does not apply to carcass removal
Any fleet with motorcycles, scooters, snowmobiles, golf carts, autonomous vehicles, all-terrain vehicles (ATVs), farm or similar vehicles
Any Insured that is in bankruptcy proceedings
Armored cars
Auto rental and leasing
Auto / truck dealers
Autos used in racing or speed contest
Autos primarily engaged in the delivery of mail and / or parcel post
Bulk liquid haulers/tankers (> 3,000 gallons)
Buses—all types including public, school, private, or charter
Cannabis
Car clubs—such that the member can drive vehicles (including luxury or exotic) with a paid membership
Crane or drilling operations with cranes or other equipment attached
Courier services—includes mail delivery / package delivery
Day care or camp operations
Drive-away / tow-away operations
Driving schools
Emergency vehicles or trailers (with or without patient transfer), including but not limited to those used by police and fire departments.
Employee-owned vehicles—other than incidental non-owned
Entertainers
Explosive contractors
Farm equipment
Fast food / pizza delivery
Food trucks
Fraud conviction—any risk in which an affiliated person has been found guilty of insurance and / or motor vehicle fraud
Garage operations
Haulers, producers, or refiners of fuel, including but not limited to gasoline, oil, diesel, liquefied petroleum gas (LPG), natural gas, and propane
Hazardous material haulers without separate pollution liability policy.
Hi-rail vehicles (autos with flanged steel wheels attachment for driving on railroad tracks), except by referral if insured shows evidence of separate coverage for on the-track operations
House movers
Invalid carriages
Logging risks
Mobile equipment, except mobile equipment subject to compulsory or financial responsibility or other motor vehicle insurance law. All cranes, not including boom trucks, are prohibited in all circumstances.
Mobile home, motor home, or camper haulers or movers
Motorcycles, motorized scooters or bicycles and similar motorized vehicles
Moving and storage companies
Nursing facilities, home health care, adult daycare or child daycare where passengers are being transported or driven around
Oil and gas field (all types) drilling and well services risks (including fracking) onsite; prohibition does not apply to contractor’s firms using private passenger and light vehicles. Petrochemical and similar permanent manufacturing locations/facilities are not considered oil and gas field operations.
Passenger transportation / livery operations—such as buses, taxis, Uber, LYFT, etc.
Pilot car / escort vehicles
Patient transfer vehicles
Roadside service vehicles, other than towing
Recreational vehicles
Risk pulling double / tandem or triple trailers
Risk pulling pole trailers
Salt water haulers
Sand and gravel operations
Snowplowing—prohibition applies to roads (public streets and private roads in residential developments) and does not apply to work on parking lots and similar private property
Street and road paving and line striping contractors (on open or partially open streets or highways) where traffic control is the insured’s responsibility
Swinging meat haulers
Trucking for hire—cargo does not belong to the person or company that owns the truck
Truckers (all radii)—for these purposes, a “trucker” is any organization engaged in the business of transporting property for hire
Vehicles used to transport the disabled or handicapped
Waste haulers—if the insured is dropping off dumpsters / containers / trailers / dumps, etc. to customers and the insured is NOT responsible for packing it, that is considered a waste hauler and we cannot entertain this class. This includes construction debris, recyclers, any type of debris removal. This will not include an excavator or grader who is performing their own work and then taking away their own debris / waste.
Wreckers / tow vehicles

Is the business operation on the list above?