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Standalone 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.


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

• Select trucking risks

• 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

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

• Total Insurable Value (TIV) cannot exceed $2M 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

Need a Quote?

As a GMI Appointed Agency / Agent, you can submit your quote requests online. Click on the button below, send us some information, and we'll get you a quote. It's that easy!

Program Contacts

Andrew Farmer

Underwriter /

Business Development

Lori Smith

Business Development

Lynise Walton

Business Development

For a complete contact information, click here.


“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

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