GMI Insurance
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GMI Insurance
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Business Auto Monoline Insurance

Account typically must be in business two years with prior commercial auto coverage

  1. Fleet of five vehicles required if the account contains heavies/extra heavies/tractors
  2. Minimum account premium: $1,500

 Typical Classes:

  • Contractors
  • Manufacturers
  • Building Supply Dealers
  • Wholesale Distributors

 Typical Vehicles:

  • Private Passenger
  • Light Trucks
  • Medium Trucks
  • Heavy Trucks/Tractors*
  • Extra Heavy Trucks/Tractors*
  • Dump Trucks*
  • Trailers
* Account must be in business two years with prior commercial auto coverage
* Fleet of five vehicles required if the account contains heavies, extra heavies, and/or tractors. Any combination permitted.

Typical Uses:

  • Product Delivery
  • Service Calls
  • Materia/Equipment Delivery
  • Product Installation
  • Retail Delivery

We Cannot Write:

  • Public Auto (Buses/Taxi)
  • Emergency Vehicles
  • Buses/School Buses
  • Long Haul Trucking
  • Oil/Gas Industry Exposure
  • New Ventures
  • High Loss Ratio Accounts (40% or better)
  • Accounts with Unsatisfactory Safer Rating
  • NY Five Boroughs; Long Island

Other Target Classes:

  • Air Conditioning Contractors
  • Appliance Distributor
  • Beverage Distributor
  • Cement/Redi-Mix
  • Decorating/Party/Convention Contractor
  • Demolition Contractors
  • Dry Wall Contractors
  • Equip & Supl's (Mfrs) Contractors
  • Electric Contractors
  • Engineering General Contractors
  • Environmental Contractors
  • Excavating Contractors
  • Fence Contractors
  • Fire Protection Contractors
  • Florists
  • Food Distributor
  • Foundation Contractors
  • General Contractors – Residential & Commercial
  • Grading Contractors
  • Heating Contractors
  • Heavy Construction Contractors
  • Landscape Contractors
  • Masonry Contractors
  • Paving Contractors
  • Pest Control
  • Plumbing Contractors
  • Pool Maintenance & Repair
  • Remodel & Repair Building Contractors
  • Rigging Contractors
  • Road Building Contractors
  • Roofing Contractors
  • Service Vehicles for Crane/Oilfield
  • Sheet Metal Work Contractors
  • Siding Contractors
  • Special Trade Contractors
  • Street Sweepers
  • Stucco Contractors

Nearly all Contractors Qualify!!

Submission Requirements:

  • Completed ACORDS: 125, 127 & 137
  • GMI Transportation Supplemental
  • The Effective Date
  • Date Quote Needed
  • Expiring Premium/Renewal Premium (Used to determine if we can be competitive)
  • Favorable MVR's
  • Four Years Current Valued Loss Runs

U.S. States Available

  • U.S. States Available:
    Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming, Washington, D.C.
  • Provider Type:
    Managing General Agency
  • Admitted:
    All Available States
  • Carriers:
    Plaza Insurance Company
  • Carrier Ratings:
    A.M. Best A+ XV and A- VIII rated
  • Commission:
  • Min Premium:


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GMI Insurance has other insurance programs like Auto Lease Insurance.