Program Administrators - GMI Insurance

GMI Insurance

Programs & Coverages: Auto Rental Fleet, Contingent Auto Lease, Monoline Business Auto, General Liability

MPO Box 701 | Valley Forge, PA 19482


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Company Description

We are the Trudel family and we have been operating GMI since Norman Trudel founded the company in 1980. That is three decades of commitment to the transportation insurance industry. What does that mean for you?

  • GMI is here to stay. We'll be covering auto fleets long after our competitors are gone.
  • Our team won't change. Once you get to know us, you can be sure you'll deal with the same staff again and again.
  • We have the commitment of ownership. Everyone at GMI cares quite a bit more than someone who is just doing a job.
  • Your complete satisfaction is our mission. Satisfied customers have kept our business growing for three decades.

Programs & Coverages

Auto Rental Fleet

Protect the Core of Their Business

GMI provides Daily Auto Rental coverage for fleets operated by:

  • Independent and Franchised Car Rental Agencies
  • New and Used Car Dealerships
  • 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.

Auto Rental Highlights

  • Regular Auto coverage written with top A.M. Best “A” rated carriers
  • Leaders in the Car Rental Industry since 1980
  • All claims handled in-house
  • Any size fleet, big or small
  • No obligation policy comparison provided
  • Counter products to boost your bottom line
  • Risk Management & Loss Control Services
  • Claims Analysis & Loss Run Reviews
  • Standalone Rental Subrogation Unit

Submission Requirements

  • Existing Operator Application
  • Fleet List
  • Four (4) Years of Currently Valued Loss Runs
  • Front & Back Copy of Rental Agreement

Carter Trudel
(610) 933-4679, ext 21


Dave Bond
(610) 933-4679, ext 272


Contingent Auto Lease

Vehicle Protection in Third-Party Liability Claims

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.

  • 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

GMI utilizes highly rated carriers to underwrite its leasing risks. GMI’s extensive experience in a broad range of auto exposures combined with its proactive claims management partners have a demonstrated track record of success. It is a combination of this service-driven approach to leasing operations that has led to an average annual retention rate of over 90% for the past five years.

Mark Trudel
(610) 933-4679, ext 215


Monoline Business Auto

Commercial Auto Insurance for a Wide Range of Classes

Our Monoline Business Auto Program targets contractors, artisans, building supply dealers, system installers, retailers, manufacturers, wholesale distributors and more. We welcome a wide variety of classes with vehicles ranging from private passenger cars to extra heavy truck tractors. 

Eligible Accounts

  • Automobile fleets that involve the use of commercial vehicles
  • Private passenger cars to support business activities where the primary goal is to sell and distribute products, perform contracting operations, and provide services to customers

Typical Classes

  • Contractors
  • Retailers
  • Distributors
  • Wholesalers
  • Systems Installation

Typical Vehicles

  • Private Passenger (PPT/PPV)
  • Light Trucks
  • Medium Trucks
  • Heavy Trucks/Tractors
  • Extra Heavy Trucks/Tractors
  • Dump Trucks/Trailers

Typical Uses

  • Product Delivery
  • Service Calls
  • Material/Equipment Delivery
  • Sales Calls
  • Product Installation
  • Retail Delivery

Submission Requirements

  • At least five (5) vehicles
  • Three (3) years of prior commercial auto coverage
  • Overall loss ratio of 40% or better
  • Good drivers
  • Satisfactory CAB report, if applicable

Note: Program available to retail agents in all states except District of Columbia, MA, NY and VA at this time.

Karen Trudel
(610) 933-4679, ext 217


General Liability

Protecting a Broad Range of Businesses From Liability Claims

Could your clients survive a liability claim against their business? We’re offering a non-admitted General Liability program to cover costs related to medical or legal expenses resulting from a worksite or office incident that leads to a lawsuit. It also covers injuries to people who aren’t employees, damage to property you don’t own 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.

Program Details

  • 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

The program is not available to wholesalers.
Coverage is not written in the following states: AK, CO, DC, NJ and NY.

Submission Requirements

  • ACORD forms 125 and 126
  • ACORD form 823 if applicable
  • Five (5) years of loss runs valued within 90 days
  • Applicable Supplemental Application (we will accept a competitor’s application)

Karen Trudel
(610) 933-4679, ext 217