Our Guidelines

Curious about eligible vehicles or commodities? Wondering about the types of policies we offer? We've got answers for you.

• What are the requirements for loss runs to be considered valid?
• What is considered a minor or a major violation?
• What are the age restrictions for drivers?
• Does Cover Whale accept drivers with out-of-state licenses?
• Can a policyholder change their garaging address?
• Does Cover Whale accept drivers with suspended licenses?
• Does Cover Whale accept temporary commercial driver's licenses (CDLs)?
• What are Cover Whale's ineligible vehicle and trailer types?
• What are Cover Whale's ineligible cargo and operations?
• Does Cover Whale accept salvaged titles?
• Does Cover Whale process federal and state filings?
• What is the rating structure for drivers?
• What is the rating structure for vehicles and trailers?
• How can I request the reinstatement of a submission?
• A driver has been declined for violations, can Underwriting review the Motor Vehicle Report (MVR)?
• My submission was declined. Can I find out why?
• Will Cover Whale honor any backdate requests?
• Does Cover Whale offer Uniform Intermodal Interchange and Facilities Access Agreement (UIIA) coverage?
• Can agents add other policies to the premium financing provided by Cover Whale?
• What is the process for temporary vehicles?
• What is the process for cancellations due to non-payment?
• Are short-term policies acceptable?
• Can an agent request a different deductible for a vehicle?
• Are wood chip haulers acceptable risks?
• What are Cover Whale's guidelines or appetite?
• What is considered hotshot trucking?
• Driver Eligibility Guidelines
• Navigating the Dirt, Sand, and Gravel (DSG) Haulers Program