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JM&A Group

JM&A Group is one of the largest independent providers of finance and insurance (F&I) products in the automotive industry. The group of four companies provides more than 3,800 automotive dealerships and retail automotive outlets, representing virtually all manufacturer makes and models, with a variety of products and services such as:

  • New and used vehicle protection plans
  • Used vehicle certification programs
  • Prepaid maintenance plans
  • Guaranteed Asset Protection (GAP) programs
  • F&I training for sales, service departments and used car operations and consulting services

JM&A Group offers its customers financial stability and quality retail products and systems to help sell more vehicles, and maximize profitability on vehicle sales and after-sale opportunities.


Established: 1978
President: Dan Chait
Associates: 720
Contracts Sold in 2019: 3.6 million vehicle-related service and maintenance contracts
Contracts Sold Since Inception: 51.8 million
Reserves: $2.3 billion
Business Locations: JM&A Group and its divisions are located in Deerfield Beach, Fla. (headquarters) and St. Louis, Mo. Multiple field offices are also located throughout the U.S.


Jim Moran & Associates, Inc.
Jim Moran & Associates was established in 1982 to assist dealerships with recruiting and training of F&I managers.  It is also the marketing arm of JM&A Group, providing collateral and supportive material for its dealer customers.  

Fidelity Warranty Services, Inc.
Established in 1978, Fidelity Warranty Services (FWS) is a major provider of extended service and pre-paid maintenance contracts for virtually all vehicle makes and models. It is the largest provider of service contracts in Florida and one of the largest in the nation. Its popular Toyota Certified program covers Southeast Toyota dealerships' vehicles.

Fidelity Insurance Agency, Inc.
Fidelity Insurance Agency (FIA) is an independent agency established in 1988 to provide insurance products and risk management services for retail automotive dealers. Programs include floorplan, vehicle damage and complete garage liability packages.  FIA also offers associate benefit products ranging from group medical to 401(k) retirement plans.

Courtesy Insurance Company
Courtesy Insurance Company (CIC) is a property and casualty company specializing in commercial risk insurance products for retail automotive dealers. CIC's primary products include Contractual Liability Insurance, which insures obligations assumed under vehicle service contracts; Total Loss Protection contracts, which insure the dealers; risks assumed under Guaranteed Asset Protection (GAP) waivers; and Secure Etch, a theft deterrent product. CIC is currently licensed in 49 states and Puerto Rico, and has been awarded a financial strength rating of A (Excellent) from the A.M. Best Company every year since 2006.


Century Warranty Services, Inc.
Century Warranty Services was established in 2002 to develop alternative, non-dealer distribution channels for its products including dealer miss, remarketing and third-party relationships.