JM&A Group

What JM&A Group does

JM&A Group is a private B2B provider of Finance & Insurance (F&I) products, digital F&I tooling, and adjacent consulting services to automotive dealerships across the United States. Operating as a division of Jim Moran & Associates Inc. (within the JM Family Enterprises ecosystem) and headquartered at 350 Jim Moran Boulevard in Deerfield Beach, Florida, the company serves nearly 4,000 dealerships ranging from single-point stores to large enterprise dealer groups including Sonic Automotive, Hendrick Automotive Group, Morgan Auto Group, Anderson Automotive Group, Ewald Automotive Group, and Huffines Automotive. Its offerings span F&I products (vehicle service contracts, prepaid maintenance, certified pre-owned programs, GAP/total loss protection, road hazard, appearance protection, theft protection), the EV+ Protect™ sub-brand for electric vehicles, digital F&I tools (Virtual F&I, Gyde, Inspect Now™), profit participation programs (1+ Commission, Retrospective, PARC, NCFC, DOWC, hybrid), fixed operations consulting, dealership insurance (including a health captive), talent management, compliance, and certification training delivered through the Career Advancement Program.

Name

JM&A Group

Legal name

Jim Moran & Associates Inc.

Website

https://jmagroup.com

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

501–1,000 employees

Short description

JM&A Group is a private B2B provider of Finance & Insurance products, digital F&I tooling, and consulting services serving nearly 4,000 automotive dealerships across the United States. It operates as a division of Jim Moran & Associates Inc. from Deerfield Beach, Florida.

Ownership category

akta.pro rank

Product category

Automotive Dealership F&I Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

Keywords

• Automotive F&I services
• Dealership finance insurance
• Vehicle protection products
• Dealership training programs
• Fixed operations consulting

Headquarters

HQ city

Deerfield Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. F&I Products and Services: JM&A Group generates revenue by providing Finance & Insurance products and services to automotive dealerships. This includes vehicle service contracts, prepaid maintenance programs, certified pre-owned programs, GAP (Total Loss Protection), road hazard & ancillary plans, appearance protection, theft protection, and EV-specific products. The company operates on a partnership model where dealer success drives mutual profitability.
2. Performance Development Services: Consulting and support services for fixed operations, dealership insurance, talent management, and compliance that complement the core F&I offerings and create additional recurring revenue streams.
3. Dealership Training Programs: Comprehensive training programs for dealership employees and leaders, including certification programs, flexible course delivery options, and career advancement programs like the Career Advancement Program (CAP).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels9 records

Core offering

JM&A Group provides Finance & Insurance (F&I) products, performance consulting, and training services to automotive dealerships nationwide. Its portfolio includes vehicle service contracts, GAP protection, pre-paid maintenance, certified pre-owned programs, appearance and theft protection, an EV-focused product suite (EV+ Protect™), and digital F&I tools such as Virtual F&I and Gyde. The company complements these offerings with fixed operations consulting, talent management, dealership insurance, profit participation programs, and compliance and training services.

Product overview

JM&A Group is a comprehensive F&I (Finance & Insurance) solutions provider for automotive dealerships, offering a platform of interconnected products and services. The core product portfolio includes Vehicle Service Contracts, Pre-Paid Maintenance Programs, Certified Pre-Owned Programs, Total Loss Protection (GAP), Road Hazard & Ancillary Plans, Appearance Protection Plans, Theft Protection Plans, and the specialized EV+ Protect™ sub-brand for electric vehicles. Digital offerings include Virtual F&I (enabling virtual finance and insurance transactions) and Gyde (smart F&I solution). These are complemented by consulting services including Fixed Operations, Dealership Insurance, Talent Management, Dealership Compliance, and Profit Participation Programs (offering multiple structures like 1+ Commission, Retrospective Commission, PARC, NCFC, and DOWC). The company serves nearly 4,000 dealerships nationwide and partners with major automotive groups and OEMs including Stellantis.

Differentiator

Problem solved

Functional benefit

Brands

• EV+ Protect™: A branded suite of electric vehicle protection products designed to serve the needs of EV consumers and dealers, including vehicle service contracts, limited warranties, prepaid maintenance, GAP, road hazard tire, dent protection, windshield protection, and theft deterrent.

Products and services

• Vehicle Service Contracts Extended warranty protection beyond the manufacturer's warranty, providing customers with comprehensive coverage for vehicle repairs, sold through automotive dealerships.
• Pre-Paid Maintenance Programs Maintenance service programs that keep vehicles in peak condition and encourage customers to return to the dealership for service.
• Certified Pre-Owned Programs Protection programs designed for certified pre-owned vehicles, providing warranty coverage and peace of mind for used car buyers.
• Total Loss Protection (GAP) Protection that covers the difference between what a customer owes on their vehicle and its actual cash value in the event of a total loss.
• Road Hazard & Ancillary Plans Coverage for tire or wheel damage caused by certain road hazards, keeping customers moving with protection against unexpected road-related damage.
• Appearance Protection Plans Coverage for dent removal and surface protection to maintain the vehicle's appearance.
• Theft Protection Plans Permanent unique ID systems on vehicles to prevent theft and make vehicles less vulnerable to theft.
• EV+ Protect™ A comprehensive suite of electric vehicle protection products specifically designed for EV buyers, including vehicle service contracts, pre-owned EV limited warranties, prepaid maintenance, GAP, road hazard tire, dent protection, windshield protection, and theft deterrent.
• Virtual F&I Digital retail solution for the F&I department that allows customers to complete F&I processes virtually, enhancing customer experience and compliance while enabling dealers to engage customers online, in-store, or both.
• Gyde Smart F&I product that helps drive sales and elevates every customer experience in the finance and insurance process.
• Inspect Now™ Virtual inspection process for claims that allows customers to submit vehicle damage assessments virtually for faster claim processing.
• Process & Performance Customized strategies for performance and growth, elevating dealership potential through tailored consulting approaches.
• Results-Driven Support Expert guidance to create clear and measurable value for dealerships, supporting F&I success.
• Profit Participation Programs Flexible participation program options including 1+ Commission, Retrospective Commission, PARC, NCFC, DOWC, and Customizable/Hybrid Programs that allow dealers to share in underwriting and investment income from F&I products.
• Fixed Operations Consulting Expert coaching and consulting to unlock the service drive's potential and improve fixed operations performance.
• Dealership Insurance Personalized insurance solutions to protect dealerships and employees, including health captive programs for controlling health insurance costs.
• Health Captive Self-insurance program where dealers form their own insurance company to provide health benefits for employees, offering control over plan design, cost structure, and claims data transparency.
• Talent Management Solutions to build and retain high-performing teams through hiring assessments, personality data alignment, and team development.
• Dealership Compliance Comprehensive dealer compliance solutions and training to safeguard the business and ensure regulatory adherence.
• Dealership Training Comprehensive dealership training programs including certification programs, flexible course delivery options, and industry-leading training to empower teams and accelerate careers.

Quantifiable outcome

• 80% of employees aligned to their roles, 240 workers ideally suited to jobs at Hubert Vester Auto Group
• +3 more outcomes

Named customers10 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• Women In Automotive (WIA)coreStrategic or Co-development Partner · 27 March 2026JM&A Group and Women In Automotive announced a strategic scholarship and sponsorship partnership offering up to two scholarships worth $4,000 each for women attending JM&A Group's Career Advancement Program (CAP) in September 2026. Each scholarship includes up to $2,000 for travel, lodging, and meals, plus mentorship and networking opportunities. The partnership represents a joint commitment to invest in women pursuing careers in automotive retail and strengthen the next generation of dealership leaders.
• StellantisflagshipStrategic or Co-development PartnerJM&A Group and Stellantis joined forces to offer a comprehensive F&I product suite designed to drive dealer profitability and elevate the customer experience. The partnership allows JM&A to provide F&I products through Stellantis dealerships, expanding market reach and product distribution.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Reynolds and Reynolds: Reynolds and Reynolds provides dealership management systems and F&I workflow tools to U.S. auto retailers. It is a broader incumbent competing on integrated dealer technology rather than F&I products alone.
• GM Financial: GM Financial, the captive finance arm of General Motors, offers dealer financing, F&I products, and insurance. It represents the OEM-captive model that competes with third-party F&I administrators like JM&A for dealer wallet share.
• Cox Automotive: Cox Automotive owns Dealertrack, Kelley Blue Book, and Autotrader, and bundles F&I, CRM, and DMS solutions for dealers. It is a broad incumbent whose dealer software ecosystem overlaps with JM&A's performance and digital F&I offerings.

Direct peers

• RouteOne: RouteOne provides F&I menu, eContracting, and credit application software to dealerships, integrating product placement and compliance workflows. It competes with JM&A's Virtual F&I and Gyde products in dealer digital F&I.
• Protective Asset Protection: Protective Asset Protection, part of Protective Life, provides F&I products including vehicle service contracts, GAP, and ancillary plans for auto dealers. It is a direct competitor in the dealer-F&I distribution channel.
• Safe-Guard Products International: Safe-Guard administers F&I products such as vehicle service contracts, GAP, and ancillary protections for automotive dealers and lenders. It competes head-to-head with JM&A on product breadth and dealer relationships.
• Allstate Dealer Services: Allstate Dealer Services distributes extended service contracts, GAP, and other F&I products through automotive dealers nationwide. It directly competes with JM&A on dealer-administered protection products.
• EasyCare (APCO Holdings): EasyCare, part of APCO Holdings, provides dealer-sold F&I products including extended service contracts, GAP, and maintenance plans. It is a direct competitor in dealership-administered F&I products.
• Zurich North America Dealer Services: Zurich's Dealer Services business underwrites and administers F&I products (service contracts, GAP, ancillary) for U.S. dealers. It is a major carrier-backed competitor to JM&A's product portfolio.
• Assurant: Assurant's Global Lifestyle and Connected Living segments include vehicle service contracts, GAP, and ancillary protection products distributed through U.S. auto dealers. It is JM&A's closest large-scale competitor in dealer-administered F&I products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCb5pbAY6geG48o5mN796cvw
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• LinkedInlinkedin.com/company/jmagroup
• Xx.com/JMAGroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about JM&A Group