Cover Whale

1 verified

8 market access options through 1 grouped program.

coverwhale.com/·Direct carrier group

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Program Summary

Programs: 8
Verified: 1
Files: 1
Type: Direct carrier

Accepted States

Active appetite (40)Not currently writing (10)

40 states represented across grouped programs.

Agent Actions

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Ask about Cover Whale

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Submission requirements

Required documents, narrative, and conditional items agents should collect before sending business.

1 program

AI + Dashcam New Authority Program

Base underwriting requirements: - Dashcam or ELD connection required. - 2 years minimum driving experience with like vehicle. - All drivers and vehicles must be scheduled to extend coverage. - Tractors and trailers must be newer than 23 years old. - Refrigeration breakdown is available when trailers are less than 10 years old. - Excluded classes: mobile homes, household goods movers, hazmat haulers, double or triple trailers, cement, OS/OW loads, residential delivery, owned goods, livery operations, courier operations, logging, garbage/refuse/scrap. Cover Whale quoting steps: If the agent wants to move forward or is leaning toward Cover Whale, complete the items below to begin underwriting. Complete submissions usually quote within 72 business hours. Important platform note: Put the narrative and other comments of value in the notes section for the underwriter to review, and upload documentation directly to the submission on the platform. The price initially presented is an indication until formally reviewed and released by underwriting. Required documents: - Loss runs: 6-10 units require 3 years; 10-25 units require 5 years. Must be dated within the last 30 days and include all lines: AL, APD, Cargo, GL. - MVRs for every scheduled driver, current within 30 days, with CDL status visible. Conditional to bind. - Vehicle schedule and driver schedule. If Motus and the application have a discrepancy, provide reasoning and supporting documentation. - Current ELD provider: confirm provider and confirm an active ELD in every vehicle. Required narrative: - What do they haul? Specify freight type on the application and in notes. - Is the freight warehouse-to-warehouse/distributor work or pickup/delivery? - Where do they operate? Include lanes, radius, and states. - Years in business and total loss history: total amount, number of claims, and status. Example: "$22K total, 2 claims, both closed." - Why are they moving carriers? Rate, non-renewal, coverage change, cancellation, or another reason. - Are you the controlling agent? If competing, name the incumbent and renewal date. - Current premium and who else is quoting the account. - Driver hiring practices: MVR pull frequency, minimum age, CDL requirements, and training program. - Any open claims? Briefly summarize how the loss occurred and any policy or operational changes made as a result. - Growth plans for the next 12 months. - Target premium: bindable target for Auto Liability / package. If applicable, include: - Cancellation letter plus reason for cancellation or non-renewal if policy cancellation is pending. - Police reports for any open claims within the last 36 months. - De-lease agreement or bill of sale if FMCSA shows more units than the application. - Purchase or lease documents if application units are not yet registered on FMCSA. - Driver hire / safety program if 2 BASIC scores are red: MVR pull policy, hiring standards, accident review process. - Explanation of any major violations listed at the bottom of the snapshot in the submission file section. Explain what happened and whether the driver is still employed. - SAFER / FMCSA clarifications for any review flags, including pending cancellation reason, vehicle count mismatch, address discrepancy, or similar issues.

Market access

Carrier, paper, and program options agents can access through this wholesaler.

Ascot Specialty Insurance Group

Insurance partner / non-admitted paper

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Listed by Cover Whale as an A-rated insurance partner delivering products on the Cover Whale platform. NAIC detail comes from Cover Whale's carrier NAIC help article.

Canopius US Insurance

Insurance partner / non-admitted paper

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Listed by Cover Whale as an A-rated insurance partner. Cover Whale's NAIC article names Canopius US Insurance.

Everspan

Admitted and non-admitted insurance partner

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Cover Whale lists Everspan as an A-rated partner. The Cover Whale NAIC article includes Everspan Insurance Company and Everspan Indemnity Insurance Company.

Lloyd's Coverholder

Lloyd's coverholder access

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Cover Whale displays Lloyd's Coverholder access. The Cover Whale NAIC article includes Underwriters at Lloyds, London and multiple Lloyd's syndicate entries.

SCOR

Insurance partner / capacity

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Cover Whale lists SCOR as an A-rated partner. The Cover Whale NAIC article references General Security Indemnity Company of Arizona for this paper relationship.

Trisura Specialty Insurance Company

Insurance partner / non-admitted paper

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Listed by Cover Whale as an A-rated insurance partner. Cover Whale's NAIC article names Trisura Specialty Insurance Company.

Accredited

Admitted and non-admitted insurance partner

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Cover Whale lists Accredited as an A-rated partner. The Cover Whale NAIC article includes Accredited Surety and Casualty and Accredited Specialty Insurance Company.

Munich Re

Reinsurance / capacity partner

Power units

A.M. Best

A-rated partner

Tenure

Commercial Auto

Listed by Cover Whale as an A-rated insurance partner delivering products on the Cover Whale platform.

Documents

1 source document across this group.

Contacts

Underwriter contacts are available inside the agent app.

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Freshness

1 program has direct verification dates.

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Canonical carrier group: cover-whale