InsuredBetter's Cover Whale Insurance Score
2.5 Stars
We award Cover Whale a final rating of 2.5 out of 5 stars. The carrier offers several types of commercial auto and specialty trucking insurance products. While Cover Whale offers personal auto liability and physical damage coverage, it really shines in terms of specialty auto products for truck drivers.
Cover Whale insurance company was founded in 2019. The carrier was started by a group of insurance and technology experts hoping to bring quality coverage to those in need. Most of its coverages are offered in 48 states, with the exception of its auto liability coverage, which is only available in 39 states.
Cover Whale is not rated by AM Best, which makes it difficult to gauge the carrier's financial strength and stability. The carrier also has a poor "F" rating by the Better Business Bureau (BBB) and is not accredited. Cover Whale does not detail its average coverage rates or discounts, either. Overall, we recommend looking into other carriers with the help of your independent insurance agent.
Cover Whale Insurance Company Pros and Cons:
| Pros: | Cons: |
|---|---|
Many types of coverage offered in 48 states
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Coverage not available in every state
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Offers specialty auto insurance for truck drivers, etc.
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Not rated by AM Best
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Offers several types of commercial auto insurance
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Poor “F” rating by the Better Business Bureau (BBB)
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Online claims reporting
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No pricing or discount information
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Fast online quotes
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Not BBB-accredited
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Cover Whale Insurance Products by Type
Cover Whale focuses its efforts on the trucking and commercial vehicle industry. The carrier offers the following products:
Commercial Vehicle & Auto Insurance:
- Automobile liability insurance
- Trucking insurance
- Motortruck cargo insurance
- Truckers general liability insurance
- Non-trucking liability insurance
- Physical damage insurance
- Hotshots (Class 2, 3, 4, and 5 vehicles) insurance
- UIIA insurance
Cover Whale Commercial Trucking Insurance
Cover Whale offers several types of commercial and specialty auto insurance to cover many different kinds of vehicles. The carrier insures trucks and trailers, Class 3, 4, and 5 vehicles, and vehicles designed to pick up loads at ocean ports and rail terminals. Cover Whale's special auto insurance package options are listed below.
Coverage types, features, and benefits:
Motortruck cargo
This coverage pays for physical damage to tractors, trailers, and trucks. It includes comprehensive and collision coverage as well as towing and storage.
Truckers general liability
This coverage is available for truckers and includes comprehensive and collision as well as towing and storage. It also provides physical damage coverage to trucks, trailers, and tractors.
Non-trucking liability
This coverage is available for independent semi-truck drivers who are outside of their motor carrier's lease agreement. It offers liability coverage for trucks not operating under a motor carrier's dispatch.
Cover Whale Trucking Insurance Average Prices
Cover Whale does not provide pricing for its coverage online. To get a quote for any of Cover Whale's insurance policies, contact an independent insurance agent near you. They'll be able to shop and compare quotes for any kind of coverage you need. Prospective customers can also request quotes through the carrier's website.
What Discounts Does Cover Whale Offer?
Cover Whale does not provide specific discount options or information readily online. To find out what insurance discounts are offered by Cover Whale, contact the carrier directly or work together with an independent insurance agent, who can find this information for you.
Cover Whale Insurance Customer Service
Cover Whale allows customers to contact it through a couple of mediums. The carrier's customer service options and availability are as follows:
- Phone
- Contact form on website
- Online claims reporting
The customer service department has the following hour restrictions:
| Days | Hours (EST) |
| Monday-Friday | 9 a.m. - 5 p.m. |
| Saturday | CLOSED |
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Cover Whale Insurance FAQs
What is Cover Whale's average claims response time frame?
Cover Whale does not provide a specific claims response time frame on its official website or social media.
What is Cover Whale customer service availability?
Cover Whale allows customers to contact it by phone at standard hours, Monday through Friday, or anytime via the official website's contact form or email. Customers can file claims online.
What is Cover Whale's claims process?
Cover Whale allows customers to file claims via the online form or email. The carrier does not detail the actual claims process on its website or social media. If customers have other questions about filing or the claims process itself, they can contact the carrier or get in touch with their independent insurance agent.
Does Cover Whale create a user-friendly experience for its customers?
Cover Whale's official website is easy to navigate. However, the carrier could benefit from adding a couple more mediums for customers to contact them through. But Cover Whale also has a blog, Facebook, Instagram, and LinkedIn, which makes it a bit more accessible.
Not much coverage detail is provided on the official website. Overall, Cover Whale falls quite short in the user-friendliness department.
Is Cover Whale a good insurance company?
Cover Whale is a younger insurance carrier without many ratings or reviews yet. However, it offers solid coverage and important insurance needed by truck drivers and other specialty vehicle operators. Cover Whale is not rated by AM Best, has a poor rating from the BBB, and is not accredited. So, it may be up to individual interpretation whether Cover Whale can be considered a good insurance company.
Who are Cover Whale's insurance products right for?
Cover Whale offers its auto liability coverage in 39 states currently, and its other coverages are offered in 48 states across the country. Cover Whale's insurance products are a great match for truck drivers and semi-truck drivers, as well as those who tow trailers or operate tractors. Truck drivers who pick up loads at ocean ports or rail stations can also find the coverage they need from Cover Whale.
How much are Cover Whale's trucking insurance rates?
Cover Whale does not provide pricing information without requesting a quote online or contacting the carrier directly. But an independent insurance agent can help you find out exact rates for Cover Whale's many types of commercial auto insurance.
Sources
https://www.coverwhale.com/about/
https://www.bbb.org/us/ny/new-york/profile/insurance-agency/cover-whale-0121-87155975
