Search CompleteMarkets

... Eligible risks - Franchised automobile dealers. Typical operations include...

... Live Remotes Crime Automobile Umbrella Access to Workers’... Driver Motor Vehicle Reports when automobile exposures exist. Is there capaci...

Here at GMI Insurance, our Auto Lease Insurance program is purpose-built to provide comprehensive protection for leasing companies and financial institutions that lease autos and trucks. We understand the unique challenges involved in commercial auto leasing, and our coverage solutions are structured to address those exposures—whether related to excess liability, physical damage, interim vehicle use, or contingency gaps in lessee coverage. With decades of experience in auto risk and claims management, GMI has developed a program that delivers both flexibility and reliability. Our carriers, including National Interstate, are highly rated and experienced in handling commercial leasing risks. We’ve maintained a 90% average client retention over the past five years by offering tailored coverage, responsive service, and underwriting expertise for a wide range of auto leasing operations. Ideal Accounts and Appetite This program is designed for auto dealers, banks, and other financial institutions that lease autos or trucks under agreements of 12 months or longer. Whether your client leases light-duty passenger vehicles or large commercial trucks, we have no restrictions on vehicle size. This flexibility allows you to place a wide range of accounts with us, including: Independent auto leasing companies Fleet leasing operations Truck rental and leasing firms Financial institutions leasing repossessed or off-lease vehicles Example: You might have a client who operates a fleet leasing business across multiple states and is looking for better coverage options for their off-lease vehicles. Or a bank that needs contingent liability protection in case a lessee’s insurance lapses. We can help you place that business. Coverage Highlights and Advantages Our Auto Lease Insurance program includes a broad range of coverages to ensure your clients are protected at every stage of the lease lifecycle: Lessors Contingent Liability – Protects the lessor if the lessee’s liability insurance is insufficient or uncollectible after an accident. Lessors Excess Liability – Provides additional liability protection above the lessee’s policy limits. Lessors Physical Damage – Covers the lessor’s interest in leased vehicles when collision or comprehensive is not covered by the lessee. Interim Car Coverage – Offers physical damage and liability coverage for off-lease vehicles awaiting resale or re-lease. Garage and Property – Coverage available for facilities and business personal property. GAP Coverage – Available nationwide for both auto and truck leasing operations. Underwriting Notes and Minimum Premiums We take a data-driven and strategic underwriting approach, focusing on well-managed operations with clear lease terms and vehicle tracking procedures. While minimum premium details may vary by risk and location, we are committed to structuring terms that support long-term client stability and growth. Territories and Availability This program is available in all 50 states plus Washington, D.C. We support auto leasing operations nationwide, including multi-state fleets. Admitted and non-admitted options are available depending on jurisdiction and risk profile. Why Work With GMI Insurance? As a specialized Managing General Agency (MGA), GMI Insurance has a long-standing reputation for innovation and service in the commercial auto space. Our deep knowledge of leasing risks, high retention rates, and access to top-tier carriers make us a trusted partner for agents and brokers nationwide. When you work with GMI, you gain a team that understands your client’s needs and delivers responsive, reliable solutions. If you have a client that could benefit from our Auto Lease Insurance program, we invite you to contact us to discuss eligibility and next steps. Our team is ready to help you place complex leasing accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this Auto Lease Insurance program?This program is ideal for auto dealers, banks, leasing companies, and financial institutions that lease vehicles for 12 months or longer. We cover both autos and trucks without size restrictions. What coverages are included in this program?Key coverages include Lessors Contingent Liability, Lessors Excess Liability, Lessors Physical Damage, Interim Car Coverage, Garage, Property, and optional GAP coverage. Are there vehicle size or type limitations?No, our program covers all types of trucks and autos with no size restrictions, making it suitable for both passenger and commercial vehicle leasing. Which states is this program available in?This program is available in all 50 states and Washington, D.C. We can accommodate leasing operations that span multiple jurisdictions. What makes GMI Insurance a strong partner for leasing coverage?GMI has decades of experience in the auto leasing space, a proven track record of high client retention, and access to top-rated carriers like National Interstate. We offer expert underwriting and responsive service tailored to leasing risks. Need help placing an account? Connect with a market specialist.

...ngaged in towing for hire (not repossession work) Garage-related operations ...or garage shops are the best fit. Repossession businesses are excluded. Is Gar...

...d salvage vehicles Vehicle repossession services Operations that servi...

...yclers Auto dismantlers and automobile recycling yards Typical fits are a...ntages Broad package options: Automobile, General Liability, Umbrella, Pr...

...olutions for difficult-to-place automobile exposures. Typical classes include ...

...ailored to drilling exposures Automobile — commercial auto exposure for serv...

...classes that need comprehensive automobile and environmental protection with c...

Dedicated Insurance Program for Metal & Plastics Manufacturers For over 35 years, APU's Metal & Plastics Insurance Program has been one of the most experienced and consistent markets serving metalworking and plastic-processing firms nationwide. This program from Amwins Underwriting is tailored for a broad set of metal and plastics operations, including custom machining, metal finishing, foundries, and plastics manufacturers such as extruders and injection molders. Underwriters here understand the specific property, GL and product exposures that are typical in these industries and structure packages that address production interruption, equipment breakdown, product liability and pollution-related risks commonly faced by manufacturers and distributors. Ideal Accounts and Appetite The program works best for mid-market manufacturing and distribution operations with predictable loss histories and controlled production exposures. Typical classes that fit the program include: - Custom Machining Operations - Distributors of Metalworking and Plastic related products - Electroplaters - Foundries - Machine Parts Manufacturers - Machine Shops - Metal Finishers/Treaters - Extruders - Plastic Injection Molders - Plastic Manufacturers Accounts generally must have operations focused on manufacturing or distribution rather than installation or finished consumer products. The following are outside the program’s appetite: - Installation - Contractors - Consumer Products - Finished Goods - Aircraft / Aerospace Products - Structural Metal Coverage Highlights and Advantages - Property (including special property form enhancements in most states) - Equipment Breakdown - General Liability - Inland Marine - Crime - Commercial Auto - Commercial Umbrella - Stop Gap Liability - Workers' Compensation - Employment Practices Liability Insurance - Product Withdrawal Expense - Excess - Cyber Liability Coverage is provided on an admitted basis unless otherwise indicated. The program’s strengths include industry-focused underwriting, flexible package A/I placements for typical manufacturing exposures, and available enhancements for property and equipment breakdown that are important to production-dependent operations. Underwriting Notes and Submission Requirements Underwriters require complete information to provide a competitive quote. Typical submission requirements include: - Industry standard applications - Metal & Plastics Supplemental Questionnaire - Metal Finishing Supplemental Questionnaire if applicable - Foundries Supplemental Questionnaire if applicable - Prior Premium and Loss Information for all lines (5 years minimum) - Brochures or Product Descriptions - Completed Business Income worksheet if requested limit exceeds $750,000 and/or writing coverage on an Agreed Amount basis Please send submissions to: [email protected] *This is intended as a brief overview of the coverages offered. Please ask for complete copies of policies for a full description of coverage. Territories and Availability The program is available in all states. Underwriting and endorsed coverages may vary by state, and admitted coverage is the default unless otherwise noted. Why Place This Business with Amwins Underwriting Amwins Underwriting brings deep, program-level expertise in metal and plastics exposures, a stable admitted platform in most states, and targeted forms and endorsements that reflect manufacturing needs. You should consider this program when you need a consolidated package for both property and liability exposures with experience handling product, equipment breakdown and business income exposures common to manufacturing clients. Example accounts - You might have a mid-sized machine shop that performs custom parts production and needs equipment breakdown coverage and agreed-value business income limits while maintaining product liability protection for assembled components. - Or a plastic injection molder that supplies parts to industrial clients and requires inland marine for shipped tooling, cyber liability, and product withdrawal expense coverage. Frequently Asked Questions What types of accounts are a good fit for the Metal & Plastics Insurance Program?Mid-market metalworking and plastics manufacturers or distributors with manufacturing-focused operations—machine shops, foundries, electroplaters, extruders and injection molders—are the primary targets. The program prefers production/distribution exposures rather than installation contractors or finished consumer goods manufacturers. Is the program admitted in all states?The program is available in all states and is offered on an admitted basis unless otherwise indicated. Specific forms and availability can vary by state. What documentation do underwriters expect with a submission?Provide standard applications, the Metal & Plastics supplemental questionnaire (and any applicable finishing or foundry questionnaires), five years of prior premium and loss information, product descriptions or brochures, and a business income worksheet when requested limits exceed the stated threshold. Need help placing an account? Connect with a market specialist.