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What are Cover Whale's driver guidelines?Cover Whale’s guidelines/appetite are as follows:

Driver Guidelines:

  • Provide an MVR that is less than 30 days old
  • Ensure the driver age is between 23 and 70 years old (drivers over 65 need a medical form)
  • Keep the right class for the vehicle being used
  • Verify driver has 2 years of ongoing commercial experience with a similar CDL and required endorsements
  • Limit to 3 minor moving violations in the previous 3 years, including accidents
  • Have no more than 1 accident in the past 3 years
  • Avoid any major violations in the last 5 years
 

Ineligible Drivers:

  • Drivers without a valid CDL, are needed for vehicles over 26,000 pounds (class 7 and 8 vehicles)
  • Drivers with 4 or more violations within the last 3 years
  • Drivers with 2 or more accidents within the last 3 years
  • Drivers with 4 or more accidents or violations combined within the last 3 years
  • Drivers with 1 major violation within the last 5 years
  • Drivers under 23 years old
  • Drivers over 70 years old
 

Cover Badger doesn't make employment decisions for our customers. To maintain your coverage, it's important to follow the Transportation Underwriting Guidelines. Failing to do so may result in increased premiums, cancellations, or non-renewal.

 
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