Apollo Managing General Agency
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Carrier overview: - Apollo Managing General Agency (Apollo MGA) is a Texas-focused non‑standard personal auto MGA writing private passenger auto through independent agents, using Home State County Mutual Insurance Company as the issuing carrier.([apollomga.com](https://apollomga.com/?utm_source=openai)) Preferred business / target risks (per Producer Manual dated May 15, 2018):([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf?utm_source=openai)) - Texas private passenger vehicles only; focus on non‑standard/“specialty” auto (drivers with imperfect records, lapses, limited prior, or financial responsibility filings). - Individually owned vehicles garaged and operated in Texas. - Typical personal‑use exposures: commuting to work/school and general pleasure use. - Standard private passenger vehicle types (sedans, SUVs, light pickups and vans) within Apollo’s symbol and age guidelines. - Risks willing to pay electronically or via approved premium finance and work within Apollo’s policy fee and installment structures. Restricted / declined risks (high level from manual and typical TX non‑standard appetite):([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf?utm_source=openai)) - Commercial use or vehicles used for business delivery, livery, or other professional use are generally ineligible (including but not limited to taxi, limo, rideshare/TNC, courier, or delivery). - Vehicles not garaged in Texas, or where primary operator/garaging cannot be verified in TX, are not eligible. - Unacceptable vehicle types typically include: heavily modified or exotic vehicles, vehicles over the program’s maximum GVW, and any unit classified as commercial, dealer, or fleet as defined in the manual. - Drivers with materially unacceptable MVR/claims histories (e.g., excessive at‑fault accidents, major violations, or unsupported SR‑22 filings) may be surcharged or declined per rating/eligibility rules in the manual. Geographic notes: - Program is written in the State of Texas only; business must be garaged in Texas and rated by Texas territory factors.([apollomga.com](https://apollomga.com/?utm_source=openai)) Submission and processing requirements (from Producer Manual):([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf?utm_source=openai)) - Quotes and policy issuance must be completed through Apollo’s authorized rating/issuance platform (accessed via appointed agencies). - Complete and accurate data entry is required: full name, date of birth, address/garaging, VIN, prior insurance, accidents/violations, and any required SR‑22 or filing information. - Bind requests should include: - Signed application or equivalent electronic acceptance, as specified by Apollo’s system workflow. - Required down payment collected and applied per the program’s payment plan rules. - Copies of required documents when applicable (e.g., proof of prior insurance, proof of ownership, driver’s license, and any documentation Apollo specifically requests for exceptions). - Endorsements, cancellations, and reinstatements must follow the procedures and timelines outlined in the manual (e.g., use the system workflow and, when needed, submit written requests with supporting documentation). Broker / producer notes (from Producer Manual):([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf?utm_source=openai)) - Producer appointment with Apollo MGA is required; producers must follow Apollo’s binding authority, eligibility, and documentation standards as a condition of continued appointment. - Producers are responsible for: - Collecting all premiums and fees in accordance with Apollo’s rules and remitting funds within required time frames. - Disclosing all material risk information; misrepresentation or omission may result in policy rescission and/or loss of binding authority. - Using Apollo’s online system to rate, bind, and service policies; manual processing is limited to exceptions as permitted by the manual. - The manual specifies that failure to adhere to underwriting rules, documentation standards, or premium handling requirements can result in audits, commission charge‑backs, or termination of producer authority. Operational reminders: - Always confirm current product and rule version in Apollo’s online portal, as the referenced Producer Manual (effective for new business May 15, 2018) may have been superseded; where portal instructions conflict with the PDF, follow the most current portal guidance. - Treat this appetite as non‑standard Texas private passenger auto only; do not submit commercial, out‑of‑state, or non‑private‑passenger risks unless Apollo issues updated written guidance expanding eligibility.