GMI Insurance has been a trusted resource for independent agents seeking specialized markets for auto rental fleet insurance for over 30 years. Our Auto Rental Fleet program is designed to serve the needs of hard-to-place and niche rental operations across the United States. Whether you're working with a new venture or an established rental business, we offer comprehensive solutions tailored to your client's unique risks.
Ideal Accounts and Appetite
Our program is available to a wide range of auto rental operations, including:
- Independent auto rental operators
- Franchisees of major brands such as Hertz, Avis, Budget, etc.
- New and used car dealerships offering rentals
- Auto repair shops and body shops with loaner or rental fleets
- Self-storage facilities that provide truck rentals
We accept both start-ups and existing businesses. Please note that we do not currently accept accounts involving exotic vehicles, motorcycles, or those located in New York or Massachusetts.
Coverage Highlights and Advantages
Our Auto Rental Fleet program provides a robust suite of coverages to address the full spectrum of auto rental exposures. Available coverages include:
- Auto Liability
- Physical Damage
- Garage Liability
- General Liability
- Property Coverage
- Supplemental Liability Insurance for Renters
- Personal Accident and Personal Effects Insurance
- Collision Damage Waiver (CDW)
- Renter’s Collision Protection
For start-up operations, we offer one-on-one training, an operations manual, state-specific rental agreements, rental forms, and discounts on rental software. Existing operations can benefit from additional counter products and value-added services.
Underwriting Notes
Retail agents are welcome—please note that we are not currently accepting submissions from wholesalers. Eligibility requirements include alignment with one of our accepted business types, and accounts must be located outside of NY and MA. Exotics and motorcycles are excluded.
Territories and Availability
Our Auto Rental Fleet insurance program is available in all states except New York and Massachusetts. We currently write business in the following states:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Work With GMI Insurance?
As a Managing General Agency with decades of experience in the auto rental industry, GMI Insurance understands the complexities and nuances of placing fleet risks. Our long-standing relationships, tailored training for start-ups, and comprehensive coverage packages make us a go-to partner for retail agents nationwide.
If you're looking for a market that can handle your rental fleet accounts—with the tools, training, and underwriting expertise to support your growth—connect with us to learn more about our Auto Rental Fleet program.
Frequently Asked Questions
What types of accounts are a good fit for the Auto Rental Fleet program?
We accept independent operators, franchisees, car dealerships, repair and body shops, and self-storage facilities offering vehicle rentals—excluding exotics and motorcycles.
Can start-up rental operations qualify for coverage?
Yes, start-ups are eligible. We offer training, operations manuals, rental agreements, and software discounts to help new businesses get up and running.
Are wholesalers allowed to submit business to this program?
No, we are currently accepting submissions from retail agents only.
Is the program available in all states?
The program is available in nearly all states except New York and Massachusetts. Please refer to the list of eligible states above.
What are some of the renter coverage options offered?
We offer renter-focused coverages including Supplemental Liability Insurance, Personal Accident and Effects Insurance, CDW, and Renter’s Collision Protection.
Need help placing an account? Connect with a market specialist.