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Agent Resource Center

Coverage Options

Coverage Options

We offer several types of coverage options to owner/operators that were too difficult for conventional insurance companies to write. Find out more.

In what states does Cover Whale offer coverage?

Does Cover Whale provide primary, non-contributory, or a waiver of subrogation?

Is windshield damage covered under automobile physical damage (APD)?

Does Cover Whale offer roadside assistance?

Can Cover Whale provide coverage for fleets with only 4 to 9 power units?

Availability

How can I add a new line of coverage to an existing submission?

Can I increase the limits of Personal Injury Protection (PIP), Uninsured Motorist (UM), and Underinsured Motorist (UIM) coverage?

Does Cover Whale offer contractual liability coverage?

What coverages does Cover Whale offer?

Does Cover Whale offer comprehensive and collision coverage?

Does Cover Whale write box trucks?

Does Cover Whale offer reefer (refrigeration) breakdown coverage on cargo?

Does Cover Whale offer contingent cargo coverage?

What physical damage do you cover for a vehicle loss? Does Cover Whale offer a specified perils policy?

Does Cover Whale offer contingent Auto Liability?

Do you offer general liability on admitted paper or non-admitted paper?

Does Cover Whale provide any auto, hired or non-owned coverage?

Do you offer surplus line stacking?

Do you have admitted cargo?

Does coverage offered through Cover Whale extend to rental vehicles?

Does Cover Whale offer blanket Auto Liability?

Does Cover Whale write auto hauler risks?

Does Cover Whale offer trailer interchange?

What symbols does Cover Whale offer?

Does Cover Whale offer bobtail coverage?

Do you offer automobile physical damage (APD) coverage for trailers alone?

Will Cover Whale consider a risk where a policyholder leases vehicles to another risk and does not schedule those vehicles on their policy?

What is the maximum vehicle and trailer age limit?

What radius is acceptable for auto physical damage (APD) or motor truck cargo (MTC)?

What is the difference between Personal Injury Protection (PIP), Uninsured Motorist (UM), and Underinsured Motorist (UIM)?

What are the deductible options based on vehicle value?

Does Cover Whale offer Personal Injury Protection (PIP), Uninsured Motorist (UM), or Medical Pay (Med Pay)?

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Requirements

Does Cover Whale write products where the Department of Transportation (DOT) requires a $5,000,000 limit of liability?

Does Cover Whale quote on admitted or non-admitted paper?

What can Cover Whale offer for combined single limits?

Does Cover Whale require packages or do you offer monoline coverage?

Will Cover Whale accept an account that has Central Analysis Bureau (CAB) alerts?

What are the requirements for an affidavit documenting that a diligent search effort was completed?

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Endorsements

How can I add a loss payee?

Can motor trucking cargo (MTC) coverage be added without adding auto physical damage (APD)?

Drivers

Does military driving service count as experience when assessing a potential driver?

Is there a limit to the number of drivers compared to the number of units?

Are driver's licenses and driving experience from other countries accepted?

Can a driver have a passenger in the vehicle?

How many years must an applicant be in business to be considered for Automobile Physical Damage (APD) or Motor Truck Cargo (MTC) coverage?

Does Cover Whale accept team driving?

Is a driver that has a DUI eligible?

How do I add or remove a driver midterm on the Cover Whale Platform?

Are owners required to be scheduled on auto liability policies?

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Carriers

Do you have a list of the carrier National Association of Insurance Commissioners (NAIC) numbers?