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Truck Physical Damage

Coverage for Trucks on the Open Road

The open road is full of risks. Trucks can sustain damage in an accident, from fire, due to foul weather, theft or vandalism—or any natural disaster. Any of these issues could cause a significant financial loss and put your motor carrier and for-hire clients out of business. And while not required, physical damage insurance is often required by lien holders.

GMI partnered with a highly rated carrier to create flexible coverage that can be standalone or paired with other coverages like our Motor Truck Cargo and General Liability to create an enhanced coverage package.

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
• Distributors

• Wholesalers
• Select trucking risks

Targeted Vehicles

• 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 $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 Contact

Andrew Farmer

Underwriter /

Business Development

For a complete contact information, click here.


“Thank You! It’s great to be able to help a new client and with such quickness. Working with Carter has been flawless and such a treat.”

Kristie M.
Florida Agent

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