Secondary Markets & RRG
Hard-to-place risks, Mike Hughes submissions, and RRG market rules.
Exhaust primary markets first. Secondary markets and RRG should only be used after Progressive, Geico, and Cover Whale have all been tried and declined or are not competitive. Always document why primary markets were not used.
What is a Secondary / RRG Market?
RRG markets typically have higher premiums than standard carriers.
They are used for high-risk drivers, poor loss history, or unusual cargo types.
All RRG submissions at I4T go through Mike Hughes.
RRG policies may have different coverage terms — review carefully before presenting to clients.
Contact — Mike Hughes
Mike Hughes
Secondary Markets & RRG Specialist — Insurance4Truckers
[email protected]All secondary market and RRG submissions go to Merryl first for review, who will then forward to Mike. Do not submit directly to Mike without Merryl's review.
Required Documents for Submission
Have ALL of the following ready before submitting. Incomplete submissions will be returned.
MVRs for all drivers
Must be current — within 30 days
Last 3 years of Loss Runs
From all prior carriers
IFTA reports for last 4 quarters
Required for interstate operators
Signed application
Must be signed by the insured before submission
Current Certificate of Insurance
If applicable — shows prior coverage
Summary of why primary markets declined
Brief written explanation required
Quick Reference
| Item | Detail |
|---|---|
| Market Type | RRG / Secondary (hard-to-place risks) |
| Review Contact | Merryl Gerhardt — [email protected] |
| Submission Contact | Mike Hughes — [email protected] (via Merryl) |
| When to Use | Only after Progressive, Geico, and Cover Whale are exhausted |
Submit to Merryl for Review
Use the form below to submit a client for secondary market review. Fill in the client details, attach all required documents, and send — Merryl will receive a formatted email and forward to Mike Hughes after review.
Hughes Submission Form
Complete the 5-step form to submit a client for secondary market review. All documents will be emailed directly to Merryl.