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