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What are Cover Whale's guidelines and appetite?

Our guidelines/appetite are as follows:

Auto Liability 

  • Targeting 1-25 power units at bind
  • Growth of two additional power units per quarter is allowed once the policy has been bound
  • Dashcam or ELD is required for Auto Liability
  • Two years minimum driving experience with a similar vehicle
  • New Ventures with 5+ units must receive written underwriting approval before binding
  • No vehicles below 6,001 pounds
  • All drivers and vehicles must be scheduled to extend coverage
  • Tractors and trailers must be newer than 23 years old
  • No more than 3 cancellations in the previous year

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 23 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

Exclusions and Ineligible Cargo and Operation Types:

Upon binding coverage, Cover Whale flags ineligible cargo and operations. Please note that bound policies that include Cover Whale and SAFER exclusions are subject to cancellation. 

Cover Whale Exclusions:

  • Ambulance, EMT, Mobile Blood Banks
  • Armored Cars
  • Arms, Ammunition, Fireworks
  • Boat Haulers
  • Automobile Dismantlers
  • Boom Trucks
  • Brokerage
  • Cannabis Haulers
  • Carnivals, Circus
  • Cement Mixers, Pumpers
  • Coal Haulers
  • Contractors, Contractor Equipment Mobile Equipment
  • Cotton Haulers
  • Courier Services, magazines, news delivery, parcel, film delivery
  • Double or Triple Trailers
  • Drive Away, Transporter Plates
  • Driving Schools
  • Egg Haulers
  • Fast food delivery, including restaurant take-out delivery
  • Final Delivery
  • Freight Brokerage
  • Garbage/Refuse
  • Hazmat, Nuclear, Biological
  • Household Good Movers
  • Livery Operations
  • Livestock Transporters
  • Logging Operations
  • Milk Haulers
  • Mobile cranes, Vehicles with buckets
  • Mobile Home Toters
  • Mobile Home Toters, Building Movers
  • Municipal
  • Operating outside of US
  • Operations using double/triple trailers
  • Oversized/Overweight haulers
  • Owned Units, Rented or Leased to Others
  • Private Passenger Vehicles
  • Public Livery: Buses, taxis, black car, rideshare, shuttle, day care, church
  • Rental Leasing, Demo Vehicles
  • Residential Delivery
  • Salvage, Scrap Metal
  • Steel Dealers
  • Tankers Hauling Flammable Liquids
  • Towing/Repossession,
  • Vendor Trucks

Ineligible SAFER cargo selections:

  • Agricultural/Farm Supplies
  • Chemicals
  • Construction
  • Drive/Tow away
  • Garbage/Refuse
  • Liquids/Gasses
  • Livestock
  • Mobile Homes
  • Oilfield Equipment
  • Passengers
  • Utilities
  • Water Well

Ineligible SAFER operation selections:

  • Exempt For Hire
  • Fed. Government
  • Indian Nation
  • Local Government
  • Migrant
  • Private (Property)
  • Private Passenger (Business)
  • Private Passenger (Non-Business)
  • State Government

These guidelines help identify the types of risks that Cover Whale is most suitable for, ensuring that we can provide the best coverage for our clients.