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?
- How do I adjust or change a deductible on the Cover Whale Platform?
Availability
- How can I add a new line of coverage to an existing submission?
- Can I change 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)?
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?
Endorsements
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?