Motor Transport Mutual RRG
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
Preferred business / target risks: - Long-haul trucking operations hauling non-hazardous commodities. - Accounts of all sizes, from single owner-operators (1 unit) to larger fleets; no stated minimum or maximum fleet size. - No time-in-business requirement; new ventures are eligible subject to underwriting. - Risks needing primary commercial auto liability with a $1,000,000 CSL limit and associated statutory coverages. Restricted or declined classes: - Last-mile and short-haul delivery operations are not currently eligible. - Courier companies are not eligible. - Hazmat cargo exposures are not eligible. - Public livery operations (e.g., passenger transportation, taxi/ride-share type risks) are not eligible. Geographic appetite / availability: - Available states listed as: AL, AK, AZ, AR, CA, CO, CT, DC, GA, HI, ID, IL, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. - Separate note on the same page lists MA, NY, and FL as "Not Available States"; this appears internally inconsistent where MA is shown in both lists. Treat NY and FL as clearly unavailable; confirm MA status with the underwriter at time of quote. Coverages / limits: - Primary commercial automobile liability with $1,000,000 combined single limit only for long-haul trucking. - All applicable statutory auto coverages in all states where the program is available (e.g., financial responsibility, no-fault/UM where required). - Program is structured as a risk-retention-group facility with excess reinsurance via Lloyd’s syndicates; financial stability rating of A (Exceptional) from Demotech. Underwriting & service notes: - Program is explicitly designed to support all long-haul trucking operations hauling non-hazardous commodities, with no minimum or maximum fleet size and no time-in-business restriction; underwriting will focus on safety practices and loss history rather than tenure alone. - Hazmat, public livery, and last-mile/short-haul style risks should be screened out at submission and not presented to this market. - Quotes for smaller accounts (1–10 vehicles) are marketed with a typical 24–48 hour turnaround; larger fleets are eligible but are referred to the underwriting team for review and may take longer. Submission & producer instructions: - Retail agents must be appointed/contracted to place business. The “Become an Agent” portal requires uploading a signed producer agreement, producer profile, IRS Form W‑9, E&O declarations page, and primary state license, all in PDF format, before submitting business. - New agencies should complete the online agent application and associated upload requirements; once approved as a producer, submissions and quotes are handled directly with MTM RRG’s underwriting team. - Producer and sales contact is centralized via the contact page (sales email and phone) for questions, program details, and larger-account referrals. Operational guidance for brokers/underwriters: - Use this market for long-haul trucking liability only; verify commodity mix is entirely non-hazardous and that operations are not predominantly last-mile, courier, or passenger transport. - Confirm domicile and principal operating states are within the current available-state list, and avoid NY and FL; verify Massachusetts status directly with MTM RRG due to conflicting indications on their coverage map. - Position the product for insureds seeking a dedicated trucking RRG solution with quick quote turnaround, standard $1M CSL limits, and willingness to consider new ventures and small fleets, provided loss history and safety controls are acceptable.