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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.

Used Car Dealer Insurance RISC places eligible independent used-car dealers with Zurich’s Unicover VI — an admitted, copyrighted package policy built for the automotive retail industry. Unicover VI combines primary first- and third-party protections into a single, consolidated policy form tailored to dealers whose primary operation is used vehicle sales. RISC’s Used Car Dealer Insurance facility is available only to businesses that principally buy and sell used autos. Product highlights include: Admitted package policy with an integrated structure Multiple coverages available: Auto Inventory Physical Damage Business Auto (Basic Auto) Property with Business Income & Extra Expense Garage Liability Errors & Omissions (E&O) Umbrella Pollution liability Additional optional coverages based on account specifics Policies are offered on a direct-bill basis only Overview — RISC’s Zurich Unicover VI Facility RISC provides agents access to Zurich’s admitted Unicover VI package to place independent used-car dealer risks on a single, dealer-focused policy form. The program is underwritten with dealer exposures in mind — inventory loss, customer autos, garage operations, sales-related E&O, and pollution arising from light service or inspection. Use this facility when you need admitted paper and a consolidated policy that reduces the need to assemble multiple carriers for common dealer coverages. Ideal Accounts and Appetite Primary target: independent used car dealerships where the main business is buying and selling used vehicles. Good fits: single-location dealers with on-site inventory, light inspection and minor repair operations, and standard retail sales activity. Typically not a fit: franchised new-car dealerships, high-volume auction houses, large reconditioning shops with heavy repair exposure, or accounts with frequent major prior losses unless substantial mitigation is documented. Coverage Highlights and Advantages Admitted, package wording that simplifies placement by combining property, inventory physical damage, garage liability, and E&O into one form. Inventory physical damage wording tailored to dealer operations and vehicle holdings. Optional garage liability, sales/service E&O, umbrella follow-form, and pollution coverage linked to common dealer activities. Zurich paper provides recognized capacity and a claims platform for more complex dealer losses. Underwriting Notes and Submission Requirements Principal place of business must be domiciled in one of the eligible states (see Territories below). Required: completed Zurich supplemental application for Unicover VI specific to dealer operations. Required: currently valued loss runs for the prior three years. RISC will consider agency appointments from producers who have an existing book of used auto dealer business and can explain Unicover VI coverage differences compared with other dealer forms. Minimum premium: $1,500. Policies are written on a direct-bill basis only. Territories and Availability This admitted program is available in the following states: AR, MN, MT, NE, ND, OK, OR, SD, TX, UT, WY. Coverage availability and specific terms may vary by state. Why Place This Business Through RISC Access to Zurich’s Unicover VI package for eligible used-car dealers — a specialty product not widely available through standard markets. Dealer-focused underwriting with clear submission requirements, which speeds placement for qualified accounts. Direct-bill handling simplifies premium administration for eligible risks. Example Accounts That Often Fit You might have a single-location independent dealer that holds late-model used inventory, performs light inspections and minor repairs, and needs admitted coverage for inventory physical damage plus garage liability and E&O on one consolidated policy. A growing independent dealer seeking admitted Zurich wording for property, business income, inventory physical damage, and sales-related E&O — willing to provide the supplemental application and three years of loss runs — is another common fit. *This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America. Your policy is the contract that specifically and fully describes your coverage. The description above gives an overview of coverages and does not revise or amend the policy. Insurance coverages are underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company. Certain coverages are not available in all states. Some coverages may be written on a non-admitted basis through licensed surplus lines brokers. RISC is not a subsidiary or an affiliate of Zurich. Frequently Asked Questions What types of used car dealers are eligible for this program?The program is designed for dealerships whose primary business is used vehicle sales. Best fits are independent dealers with on-site inventory, limited repair operations, and retail sales activity. Franchised new-car dealers and large reconditioning operations are generally not eligible. What submission materials are required?Submit a completed Zurich supplemental application for Unicover VI and currently valued loss runs for the prior three years. The principal place of business must be located in one of the program’s eligible states. Is the policy admitted or non-admitted?This facility places admitted Unicover VI package policies with Zurich in the program’s available states. Some optional or ancillary coverages may vary by state. How is premium billed and what is the minimum premium?Policies under this facility are offered on a direct-bill basis only. The program’s minimum premium is $1,500. What does RISC look for when appointing an agency to place this business?RISC prefers agencies with an existing book of used auto dealer business and a clear explanation of how Unicover VI differs from other dealer policy forms. Agencies must complete RISC’s appointment profile, agreement, and related documents. Need help placing an account? Connect with a market specialist.