Cannabis Transport

Our program is the one of few available that provides Physical Damage and Motor Truck Cargo with coverage extending to "reefer" trucks too. We can also write coverages separately if there is a need for only Physical Damage or Motor Truck Cargo. The coverage can also cover third-party specialty transporters and courier services. 

We’ve partnered with an A.M. Best “A-” rated carrier, this program is one of the most comprehensive programs available to this specialty industry—from the company who has over two decades of experience writing transportation-related insurance.

Program Highlights

• Start-up / new business risks acceptable with proper experience
• Vehicle stated value up to $200,000 any one unit 
• $1M maximum limit for covered cargo vehicle 

Targeted Classes

• Cultivators
• Processors & Harvesters
• Manufacturers
• Wholesalers & Distributors
• Retailers
• Dispensaries
• Specialty Transporters
• Courier Services
• Licensed Transportation Services

Acceptable Cargo

• Finished cannabis stock and products containing cannabis and/or its derivatives
• Stock In-Process
• Seeds
• Seedlings
• Vegetative Plants including Mother Plant(s)
• Flowering Plants
• Harvested Cannabis Material

Click here to find out more! 

Program available to retail agents in the following states: AZ, CA, CO, CT, DE, IL, MA, ME, MI, MO, MT, NM, NJ, NV, NY, OR, RI, VA, VT, and WA at this time.

Contact

URL: https://www.gmi-insurance.com/cannabis-transport

Workers' Compensation

Our Workers Comp practice offers some of the most comprehensive coverage to contractors, healthcare businesses, retailers and auto dealers, plus hundreds of other classes. With over a decade of experience writing this state-regulated coverage—and partners who include an A.M. Best “A++” rated admitted carrier—why go anywhere else. 
 
GMI has over four decades of experience insuring a wide variety of business classes. We back up our great rates with unique market relationships, exceptional service, and more.
 
Having trouble finding coverage for a specific class?
Give us a call and we'll review your risk. We're happy to give you helpful feedback—even if we can't cover your client.
 
Targeted Classes
• Construction
• Healthcare
• Manufacturing
• USL&H
• Auto Dealers
• Retail
• Distribution
 
Program Highlights
• Underwriters include an A.M. Best “A++” rated admitted carrier
• Unique carrier relationships
• Minimum premium $40K
• No maximum premium
• No XMOD restrictions

Click here to find out more!

Program available to retail agents in all states except ND, OH, WA, and WY at this time.

Contact

URL: https://www.gmi-insurance.com/workers-compensation

Auto Rental Fleet

Our program—created with an A.M. Best Rated “A+” admitted carrier—provides Daily Auto Rental coverage for individuals and fleets operated by:

• New and Used Car Dealerships
• Turo Car Sharing Hosts
• Independent and Franchised Car Rental Agencies
• Auto Repair Shops and Collision Centers
• Self-Storage Facilities

Prospects include independent franchisees of Hertz, Avis, Budget, National, etc., any independent auto rental operator, dealerships or repair shops with auto rental fleets or storage facilities with truck rental fleets. Each account is underwritten carefully, based on each client’s individual need.

Program Highlights

• Underwritten by A.M. Best “A” rated carriers
• All claims handled in-house
• Any size fleet, big or small
• No obligation policy comparison provided
• Risk Management & Loss Control Services
• Claims Analysis & Loss Run Reviews
• Standalone Rental Subrogation Unit

Click here to find out more! 

Program available to retail agents in all states.

Contact

URL: https://www.gmi-insurance.com/auto-rental-fleet

Contingent Auto Lease

A specialized coverage in the complex world of commercial auto insurance is leasing operations. Our program is designed to cover a multitude of potential exposures on a contingency, excess, physical damage and interim basis for a minimum 12-month term. We partnered with an A.M. Best Rated “A+” admitted carrier to bring you this specialized coverage.

Coverage Includes

• Contingent/Excess Liability insurance provides coverage to the lessor of a leased auto for third party liability damages resulting from an accident and the lessee’s insurance is not collectible.
• Contingent Physical Damage protects the lessor’s interest in the owned auto when the lessee’s comprehensive and collision insurance is not collectible.
• Interim Car Coverage provides both liability and physical damage to off-lease owned autos while being held for sale and being re-leased

Click here to find out more!  

Program available to retail agents in all states except LA and NY.

Contact

URL: https://www.gmi-insurance.com/contingent-auto-lease

General Liability

Our General Liability program covers costs related to medical or legal expenses resulting from a worksite or office incident that leads to a lawsuit, injuries to people who aren’t employees, damage to non-owned property and accusations of slander or libel. 

Contractors involved in tract home work are prohibited in all states including work done on a wrap-up or OCIP. Pollution Liability is NOT covered.

Program Highlights

• Underwritten by an A.M. Best Rated “A-” carrier
• Minimum premium is $2,500
• $1,000 minimum deductible
• Maximum limits are $1M / $2M
• Maximum per location / project aggregate is $5M
• Available Contractor Advantage Extension Endorsement

Click here to find out more!   

Program available to retail agents in all states except AK, CO, District of Columbia, NJ and NY.

Contact

URL: https://www.gmi-insurance.com/general-liability