Our guidelines/appetite are as follows:
Auto Liability
- Targeting 1-25 power units at bind
- Growth of two additional power units per quarter allowed once the policy has been bound
- Dashcam is required for Auto Liability
- Two years minimum driving experience with a similar vehicle
- No vehicles below 10,001 pounds
- All drivers and vehicles must be scheduled to extend coverage
- Tractors and trailers must be newer than 20 years old
- Non-admitted Auto Liability states include AL, AZ, AR, CA, CO, DE, GA, FL, ID, IA, IN, MD, MI, MN, MO, MS, NH, NJ, OH, OK, OR, RI, PA, TN, TX, UT, VA, and WV.
- Admitted Auto Liability states include GA, FL, IL, NC, NV, SC, and WI with more coming soon!
Auto physical damage, motor truck cargo, non-trucking liability, and general liability guidelines
- Targeting 1-75 power units
- Risks can be written as a package or on a standalone basis
- Two years minimum driving experience with like vehicle
- Tractors and trailers must be newer than 20 years old
- Refrigeration breakdown is available if trailers are less than 10 years old
- $7,500 towing and storage limit (APD) included with options up to $25,000
Excluded classes include
- Mobile homes
- Household goods movers
- Hazmat haulers
- Logging, garbage/refuse/scrap
- Double or triple trailers
- Sand and gravel
- Cement
- Oversized or overweight loads
- Residential delivery
- Owned goods
- Livery operations
- Courier operations
These guidelines help us identify the types of risks that Cover Whale is best suited for, ensuring we provide optimal coverage for our clients. If you have any questions, please feel free to contact us.