DMI Insurance Services, Inc. is a Managing General Agency (MGA) with more than 30 years focused on the automotive service industry. Our Automotive Program Specialists deliver tailored garage package solutions for non-franchised Independent Auto Dealers and a wide range of automotive repair shops. The program combines targeted coverages, experienced underwriting, and responsive service designed for the operational risks common to this sector.
Ideal Accounts and Appetite
This program is intended for non-franchised Independent Auto Dealers and a broad spectrum of automotive service centers. Typical eligible classes include:
Independent Auto Dealers (Non-Franchised):
- Wholesalers
- Retailers
- Dealers offering public service or repair
- Dealers performing minor body work, spray painting, or collision repairs
Automotive Shops:
- General auto repair shops
- Air conditioning and brake shops
- Transmission and diagnostic centers
- Paint & body shops with U.L. approved spray booths
- Upholstery, electrical, frame alignment, and radiator shops
- Smog control and tune-up centers
We can tailor limits and endorsements to match specific operations. While the program is flexible, accounts with extensive high-value inventory, heavy fleet operations, or significant liquor exposure may require additional review or alternative placement.
Coverage Highlights and Advantages
DMI’s Garage Program provides a comprehensive package of coverages designed to address the exposures dealers and repair shops face day-to-day. Options include:
- Garage Liability — up to $1,000,000 CSL
- Hired & Non-Owned Auto
- Drive Other Car coverage
- Medical Payments — up to $5,000 per person
- Federal Odometer, Title, and Truth-in-Lending Errors & Omissions
- Garagekeepers — Legal Liability and Direct Primary
- Dealer’s Open Lot / Blanket Physical Damage (limits vary by state)
- Broadened garage coverage, including personal & advertising injury and fire legal liability
- Commercial Property — real and business personal property
- Business income, sign coverage, employee tools, and EDP coverage
- Employee dishonesty, forgery, theft, and equipment breakdown (when property coverage is included)
Underwriting Notes and Application Process
DMI aims for fast turnarounds—most quotes are returned within 24 hours. We accept completed ACORD applications with our two-page supplemental (available on our website), but using DMI’s streamlined application generally speeds placement. Each submission is assigned a dedicated underwriter for consistent, direct communication.
Territories and Availability
This is a non-admitted program available in the following states: AL, AK, AZ, CA, CO, FL, IL, IN, KS, MI, MN, MS, MO, NV, NM, NY, NC, OH, OR, PA, and SC. Coverage is placed through respected carriers including Clarendon National Insurance Company, Western Heritage Insurance Company, and Burlington Insurance Company.
Why Work With DMI Insurance Services, Inc.?
DMI brings decades of niche expertise in automotive programs and an in-house claims division that manages claims from first report through salvage and subrogation. Agents benefit from competitive pricing, responsive underwriting, flexible endorsements, and a single point of contact for complex accounts. We focus on practical solutions that help your clients keep operations moving while controlling costs and losses.
Example scenarios that fit well:
- A used-car dealer with a small service bay and on-site vehicle storage needing combined garage liability and dealer’s open lot coverage.
- A neighborhood paint & body shop with a U.L. approved spray booth seeking garagekeepers, property, and business income protection.