Profitable Growth Through Better Underwriting
Partner with Cover Whale to access superior loss ratios, aligned economic incentives, and the technology platform transforming commercial auto insurance.
Why Leading Insurers Partner with Cover Whale
Technology, transparency, and proven results that drive profitable growth
Leading Loss Ratios
DriveSmart technology and continuous underwriting deliver loss ratios that outperform industry averages. Real-time risk detection prevents losses before claims happen.
Aligned Incentives
Flexible program structure means we succeed together. Transparent reporting and shared risk create true partnership alignment.
Proven Underwriting Technology
200+ automated daily checks per policy using telematics, ELD, and FMCSA data. The risk engine that identifies and corrects issues in real-time.
Rapid Product Development
Launch new products in days, not weeks (or years). Our modern platform and agile approach means faster time-to-market for innovative coverage solutions.
Growing Market Opportunity
Commercial auto is a fast growing $80B+ market in the United States with significant capacity gaps. Partner with the leading insurtech transforming the space.
Data-Driven Portfolio Management
Real-time dashboards show portfolio performance, risk trends, and underwriting effectiveness. Make informed decisions with live data.
Performance That Speaks for Itself
200+
Automated underwriting checks run daily per policy
2B+
Telematics data points powering risk decisions
24 hrs
Average time to resolve flagged risk behavior
Metrics based on current underwriting data. Results may vary by program.
Flexible Partnership Models
We adapt to your strategic objectives and risk appetite
Underwriting Profit Focused
Aligned economic interests through shared risk and reward. Transparent performance tracking ensures partnership accountability.
Technology Platform Access
Full API integration and white-label options. Leverage our underwriting engine and DriveSmart infrastructure.
Collaborative Underwriting
Work directly with experienced underwriting teams. Combine your expertise with our technology for optimal results.
Flexible Capacity Models
Dedicated program, quota share, or custom structures. We adapt to your risk appetite and strategic objectives.
The DriveSmart Advantage: Continuous Underwriting at Scale
Unlike traditional carriers that underwrite once at renewal, DriveSmart continuously evaluates every policy—every single day. Our risk engine processes telematics data, ELD records, and FMCSA reports in real-time, automatically flagging and resolving issues before they become claims.
Proactive Risk Detection: Undeclared drivers, garaging mismatches, and high-risk patterns flagged within hours
Automated Remediation: Alerts trigger endorsement workflows, updated pricing, and coaching nudges—keeping portfolios clean
Loss Prevention: Risky behaviors corrected or removed before losses impact your portfolio
How DriveSmart unlocked profitable growth by identifying mispriced safe drivers
Real-time driving data revealed younger drivers in the Southwest were safer than traditional rating factors suggested. Better pricing captured market share in a highly profitable segment—a true win for fleets, agents, and capacity partners.
Step 1
Opportunity identified
DriveSmart analyzes Arizona and New Mexico fleets with drivers aged 24-28. Despite limited tenure, telematics show exceptional safety—hard braking events 40% below peer average, zero distracted driving incidents.
Step 2
Rating insights delivered
Analytics shared with carrier partners reveal this cohort's actual loss performance beats pricing model assumptions. Rating plan adjustments recommended to capture profitable business being underwritten by competitors.
Step 3
Profitable growth achieved
Competitive pricing attracts 25+ Southwest fleets with strong safety profiles. Premium volume grows 2.2x while maintaining target loss ratios. Agencies write more business, carriers expand in profitable segment.
Before
Mispriced segment
Analysis
Data reveals insight
After
Optimized growth
Safety Performance
-40%
Hard braking events vs peer average
Premium Volume Growth
2.2x
Southwest fleets captured
Loss Ratio
Target Maintained
Profitable growth achieved
A-rated insurance partners delivering products on the Cover Whale platform
Ready to Explore Partnership?
Let's discuss how Cover Whale can deliver profitable growth for your portfolio.