Our Story
Commercial auto insurance is our focus. We built Cover Whale to leverage technology for the benefit of entire insurance ecosystem - brokers, businesses, and insurance companies.
Commercial Auto Is Tough Business
We saw an oppotunity to help imprive the entire ecosystem for everyone in the value-chain. Leveraging our insurance experience and technology capabilities we focused our attention to this class of busienss to improve outcomes: for brokers, for businesses, and for insurers.
Brokers Needed Speed
Agents and brokers spent days or weeks chasing quotes, only to receive declinations. Commercial auto was becoming too hard to place, wasting time and losing clients.
Businesses Faced Rising Costs
Fleet owners watched premiums climb year after year. The market offered few options and even fewer ways to control costs through better risk management.
Insurers Lost Money
The industry consistently posted losses on commercial auto. Poor loss experience and limited visibility into real-time risk made profitable underwriting nearly impossible.
We Built a Better Way
Cover Whale makes commercial auto easy by solving the core problems for every stakeholder in the ecosystem.
For Brokers
Fast, Bindable Quotes Without the Wait
Our ecommerce portal delivers bindable quotes in minutes—not days or weeks. If an account doesn't fit our programs, we tell you instantly. No more wasted time waiting for declinations.
For Insurers
Embedded Risk Management Delivers Profitable Loss Ratios
We don't just write policies—we actively manage risk. DriveSmart technology and 200+ daily underwriting checks per policy deliver industry-leading loss ratios and sustainable profitability.
For Businesses
Accurate Quotes and Safe Driving Discounts
We deliver the most accurate and competitive quotes based on your actual business information. Drive safely with DriveSmart and earn premium savings—rewarding good operators.
We Are Insurance People Who Love Technology
We've spent years in the insurance industry and seen the ecosystem struggle with commercial auto. We know what works and what doesn't—because we've lived it. That's why we built Cover Whale: to combine deep insurance expertise with modern technology that actually solves problems.
We're not a tech company playing insurance. We're insurance professionals using technology to make commercial auto work for everyone. Fast quotes for brokers. Profitable loss ratios for insurers. Fair pricing and safety incentives for businesses. That's the Cover Whale difference.
We're Here to Help
We know commercial auto can be a challenge. Cover Whale is here to make it easy—for brokers, for businesses, and for insurers. Together, we're building a better commercial auto insurance ecosystem.