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
PRODUCT & GEOGRAPHY - Focus: Non-standard private passenger auto only; Texas risks written on Home State County Mutual paper. ([apollomga.com](https://www.apollomga.com/)) - Distribution: Independent agents/producers appointed with Apollo; all binding and policy processing done via Apollo’s website/portal (ApolloGroup). ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) PREFERRED / TARGET BUSINESS - Texas private passenger autos needing non-standard terms (e.g., drivers with imperfect records) where full and accurate information is provided on the application and required documentation can be obtained. - Risks where every regular operator with access to the covered vehicles is disclosed and listed, and all ineligible household members (age 14+) are specifically excluded. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Semi-annual policies where producers can provide required vehicle photos at binding for any unit carrying physical damage and/or UM/UIM/PIP, and complete required endorsements/waivers at point of sale. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) RESTRICTED / DECLINED (OPERATIONAL) - Any submission that includes a class of risk or type of insurance not specified in Apollo’s Texas private passenger auto underwriting requirements is not to be bound; company retains final authority on acceptance or continuation of any risk. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Material misrepresentation on the application (driver, address, prior insurance, accidents/violations, vehicle info, etc.) may void coverage or claims; producers must not bind or continue risks where they know or suspect information is false, inaccurate, or misleading. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Policies with an at‑fault claim on the prior term are ineligible for “Restart” handling after lapse; such accounts must be fully re‑written subject to then-current rates and rules if coverage is to continue. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Backdating coverage is explicitly prohibited for endorsements and changes; effective date is the date/time of notice or data entry in the system. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) KEY UNDERWRITING & DOCUMENTATION REQUIREMENTS - Binding authority is limited to business processed through Apollo’s web portal; quotes alone do not bind the company. The system rate is always controlling if there is any discrepancy with comparative raters. - At point of sale the producer must: (1) bind through the Apollo website, (2) collect the initial payment, (3) complete and provide the signed application, declarations, ID cards, and Texas Personal Auto Policy jacket to the insured, and (4) ensure all required documents are completed and available to the applicant. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Vehicle photos: For semi-annual policies, at least one set of photos for each vehicle carrying UM/UIM, PIP and/or Comprehensive/Collision is required at binding; photos for additional vehicles must be uploaded within 48 hours of issuance to avoid cancellation. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Drivers & household: All regular operators with access to the vehicles must be listed. All household members age 14+ who are not eligible for coverage must be scheduled as excluded drivers; there is no coverage when an excluded operator drives a listed vehicle. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Identification: Named insured must present photo ID at point of sale. Where any driver uses a foreign license, matrícula ID, or foreign passport, copies must be submitted with the upload. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Mandatory endorsements: The Texas auto policy form includes mandatory endorsements; producer must explain them, obtain insured’s signed acknowledgment/waiver, and retain documentation. SUBMISSION / CANCELLATION / RENEWAL PRACTICES - New business is effective on the requested date/time only if: the request for coverage is received, initial payment is made, a complete electronic quote is registered in Apollo’s system, and the application and supporting documents are complete and provided to the applicant on or before that effective date/time. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Cancellation for underwriting reasons or non-payment is calculated pro rata and may be reconsidered for reinstatement only if (a) underwriting issues are fully cured before the cancellation date and (b) no premium is past due; reinstatements are not available after expiration and are generally not available following certain cancellation reasons such as NSF down payments. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - For insured-requested cancellations, a signed written request is required; effective no earlier than the day after date received or USPS postmark, with required notice to interested parties. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Restart process after lapse (in lieu of reinstatement) requires new vehicle photos for any vehicle with physical damage/UM/UIM/PIP, is subject to a criminal history and vehicle search, and uses rates/rules in effect at the time of the new binding; ineligible where there was an at‑fault loss in the prior term. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Renewals: offers are mailed directly to insured; payment must be received/postmarked prior to expiration or coverage lapses and policy must be rewritten (no reinstatement after expiration). ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) BROKER / PRODUCER NOTES - Producers must comply with Texas Administrative Code 5.401(d) by advising certain applicants (no prior insurance, ≤1 accident and ≤1 violation in 3 years) when assigned risk plan premiums may be lower than the quoted non-standard policy; non‑compliance can result in suspension or termination. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - All payments, correspondence, and documentation should follow the contact, mailing, and email channels listed in the producer manual (claims, underwriting/customer service, marketing). ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf)) - Apollo reserves the right to verify all submitted information via address/driver/vehicle reports; producers should anticipate post-bind validation and ensure applications are fully documented and consistent with external data. ([amax.university](https://amax.university/wp-content/uploads/2022/07/ApolloMGA-Producer-Manual-20180515-v1.pdf))