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Underwriting Appetite

Know before you build the submission. Everything below is current appetite across our programs. If a risk sits on the line, call an underwriter — 855.412.3803 — and we'll give you a straight answer.

At a glance

Domestic Long Haul Transfer Business PD & Cargo PaperHudson Insurance (admitted)Hudson Excess (surplus)London market facility Insured domicileU.S., border corridor or Mexican-affiliatedMexicoAny — TX, NM, AZ statewide Radius0–2,500 miles50-mile border zoneNot applicable Liability limitsTo $1,000,000 CSLTo $1,000,000 CSLNot applicable Physical damageAvailableNot availableTo $400,000 any one vehicle Motor Truck Cargo$100,000–$150,000$100,000–$150,000To $500,000 any one truck Excess liability$1M / $2M / $3M / $4M above primary$1M / $2M / $3M / $4M above primary— Excess APD / cargo——APD to $4M · MTC to $19.9M

Footprint and cargo eligibility

Platinum MGA is licensed in Texas, New Mexico and Arizona. All programs are written in those three states.

Hudson motor truck cargo follows the auto liability programs and their border-corridor eligibility. Where a fleet sits away from the border, has no cross-border connection, or needs cargo limits above the admitted program, the coverholder facility is the market.

Excess Liability

Where a shipper contract, broker agreement or municipal requirement calls for limits above the primary policy, we have access to multiple excess markets.

  • Tiers at $1,000,000, $2,000,000, $3,000,000 and $4,000,000 excess of the underlying policy
  • Available above our Domestic Long Haul and Transfer Business programs
  • Follows the underlying wording
  • Terms and pricing are quoted per risk — call an underwriter before you build the submission

Driver requirements

  • Minimum 2 years commercial driving experience
  • Valid CDL with proper endorsements, licensed in the garaging state
  • Mexican national drivers: copy of valid international commercial driver's license in place of an MVR
  • MVRs no more than 90 days old on U.S. drivers
  • No more than 3 moving violations in the past 36 months, or 3 moving violations plus 1 at-fault accident
  • No major violations in the past 36 months
  • All drivers scheduled on the policy

Applies across our liability programs. Age criteria and the full driver eligibility schedule are available on request — email info@platinummga.com or call 855.412.3803.

Automatically unacceptable

  • Any driver without a valid CDL for the vehicle operated
  • Any driver holding more than one CDL
  • Any driver whose MVR cannot be obtained
  • Any driver with a conviction for driving under the influence, negligent homicide or manslaughter, leaving the scene, or felonious use of a vehicle

Classes we don't write

  • Autos in transit
  • Hazardous materials requiring limits above $1,000,000 CSL
  • Dump trucks, sand and gravel, ready-mix and cement
  • Tow trucks and wreckers
  • Livestock and cattle haulers
  • Household goods movers, moving and storage
  • Commercial buses, tour vans, school buses, limousines
  • Logging, lumbering and pulpwood
  • Garbage, waste and medical waste transport
  • Oil field service and hot shot operations
  • Emergency and government-owned vehicles
  • Private passenger vehicles, motorcycles, travel trailers, motor homes
  • Any operation involving racing, stunt driving or contests
  • Truck brokers, and leasing or rental operations
  • Risks where the named insured would need to be excluded
  • Hired and non-owned coverage where owned or leased units are insured elsewhere

Cargo commodities we don't write

Radioactive materials. Explosives, detonators, fireworks, fuses, celluloid, pyroxylin, nitroglycerine and ammunition — seatbelt pretensioners and airbags excepted. Used, antique or classic autos. Boats over 23 feet or $25,000 in value. Coal, and in-transit heated products such as asphalt. Household goods, moving and storage, used furniture. Junk, salvage, scrap, garbage, rubbish and trash. Furs, currency and coins. Iced (not frozen) meat, poultry, fish and seafood. Logs, pulpwood and wood chips.

Every submission

  • Completed and signed application — signed by both the named insured and the producing agent
  • Complete schedule of commodities hauled
  • Complete vehicle schedule with descriptions and values
  • Complete driver list with age, tenure, CDL group and endorsement codes
  • MVRs, or copies of international licenses for Mexican national drivers
  • MC and USDOT numbers (MX number for cross-border programs)
  • Hazmat permit where applicable
  • IFTA records where the insured travels outside the domiciled state

Fleets of 10 or more power units

  • Everything above, plus
  • Complete description of operations and radius
  • Current DOT inspection where applicable
  • Three years of premium and loss experience — currently valued company loss runs, or a signed statement on the insured's letterhead

New ventures or no prior coverage

  • A no-loss letter on the insured's letterhead may substitute for loss history

Weather binding restriction

We do not bind new physical damage coverage or increase existing physical damage limits while a hurricane or tropical storm is posted by the National Weather Service within 100 miles of the insured location or garaging address. Normal binding resumes once all watches and warnings are lifted.

Let our experience and insight grow your business

P: 855.412.3803 info@platinummga.com
921 W. New Hope Dr., Suite 705
Cedar Park, TX 78613
Platinum Managing General Agency, Inc Platinum Managing
General Agency, Inc.
CONTACT 921 W. New Hope Dr. Suite 705
Cedar Park, TX 78613 info@platinummga.com P: 855-412-3803
PROGRAMS Domestic Long Haul Transfer Business NAFTA Cross-Border Physical Damage & Cargo
OUR COMPANY About Platinum MGA Our Team Underwriting Appetite Submit a Risk
Platinum Managing General Agency, Inc. · Licensed in Texas, New Mexico and Arizona.