About Us

In 1983, Ron Manera was operating his four-office chain of auto insurance agencies in West Palm Beach, Florida.  Although he'd been in business for almost seven years, he just couldn't seem to squeeze a real profit out of the business.  It seemed that no matter how much commission he was able to earn, his expenses always grew beyond his income.

When he ran the numbers, he saw that it was costing him better than 20% of annual premiums to run the agencies - while the average commissions were running less than 14%.    The only thing keeping the agency alive was the cash flow generated by account current relationships and the delay allowed in settling premium obligations - advantages no longer available today.

Manera knew he had to do something to get the business to profitability and he had few options.  He couldn't adjust the commission rates.  He couldn't raise the premiums.  He couldn't add service fees.

There were some add-ons available, but they were mostly unsuitable for the auto insurance environment.  Big, ugly awkward motor clubs.   Single-benefit AD&D's underwritten by no-name companies where the policies never seemed to be issued.

He saw the need for a new add-on product — one focused exclusively on the needs of the auto insurance specialist.  The original ASCC Towing & Rental contract was the result of that analysis.  That little contract has since grown into an entire family of products designed to bring profitability to the the auto insurance agent and terrific benefits to the consumer. 

Now, the Towing & Rental Group, Inc. continues to provide the finest and most innovative in insurance add-on products.  Manera remains active daily as Executive Director of the Towing & Rental Group.