Clearcover, Inc
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Clearcover writes personal auto insurance, distributed heavily through independent agents and a digital platform. Appetite and process details are managed centrally through the Clearcover Agent Hub/Agent Portal and the internal appetite PDF labeled “For agents use only, not for public distribution.”([clearcover.com](https://clearcover.com/press/?utm_source=openai)) PREFERRED / TARGET BUSINESS - Private passenger autos used for personal, commuting, and light business use. - Drivers and risks that fit standard or near‑standard profiles; in Texas and select states, Clearcover Inter‑Insurance Exchange (CIX) and Clearcover General Agency (CGA) expand appetite to a broader range of risks, including some non‑standard drivers (e.g., limited prior insurance, foreign licenses, <3 years driving history).([globenewswire.com](https://www.globenewswire.com/news-release/2025/02/12/3025370/0/en/Clearcover-Launches-Reciprocal-Insurance-Exchange-to-Expand-Non-Standard-Auto-Business.html?utm_source=openai)) - Customers and agents comfortable with a digital‑first experience (mobile app and online self‑service for quoting, policy changes, and claims).([clearcover.com](https://clearcover.com/?utm_source=openai)) RESTRICTED / DECLINED (INFERRED) - Appetite PDF is agent‑only and not fully visible; specific disallowed classes are not publicly enumerated. It is reasonable to expect typical personal auto restrictions such as: commercial/for‑hire usage placed in a personal lines product, specialty vehicles not rated for standard private passenger, and other high‑risk categories. The Texas filings and public communications emphasize disciplined appetite and recent broadening into non‑standard auto, suggesting that very high‑risk or fraudulent profiles remain outside appetite.([globenewswire.com](https://www.globenewswire.com/news-release/2025/02/12/3025370/0/en/Clearcover-Launches-Reciprocal-Insurance-Exchange-to-Expand-Non-Standard-Auto-Business.html?utm_source=openai)) - Clearcover has exited or significantly curtailed business in California and may apply tighter underwriting or non‑renewal strategies in certain distressed auto markets; treat California as closed to new business and non‑renewals as common based on company and third‑party reporting.([sunsethq.com](https://www.sunsethq.com/layoff-tracker/clearcover?utm_source=openai)) GEOGRAPHIC NOTES - Clearcover operates through Clearcover Insurance Company, Clearcover Insurance Agency, and CIX, with authority and licensing by state. Agent NPN and agency NPN must validate against NIPR/DOI records before quoting or servicing; failed license checks create a hard compliance stop.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/22564109248919-National-Producer-Number-License-Validations?utm_source=openai)) - Policy servicing by agents in the Agent Portal is currently enabled only in a defined set of states (AL, AZ, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, TX, UT, PA, VA, WV, WI). For other states where Clearcover may write but does not allow full agent servicing, changes must route through Clearcover support.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/22564628189719-Login-to-the-Agent-Portal?utm_source=openai)) - Appetite has been explicitly broadened in Texas via CGA and CIX to reach more non‑standard and underserved drivers while maintaining state‑specific compliance.([globenewswire.com](https://www.globenewswire.com/news-release/2025/02/12/3025370/0/en/Clearcover-Launches-Reciprocal-Insurance-Exchange-to-Expand-Non-Standard-Auto-Business.html?utm_source=openai)) SUBMISSION / QUOTING REQUIREMENTS - All agents must be appointed and onboarded through the Clearcover Agent Hub, with access to the Agent Portal for quoting, binding, and servicing. Quoting is designed to be completed in about three minutes, often via comparative raters.([clearcover.com](https://clearcover.com/press/?utm_source=openai)) - Agent and agency NPN, with active P&C/auto lines of authority, are validated in real time in the portal. Invalid or inactive licenses will block quotes or servicing until corrected. Agency admins can update NPNs and view returned license data.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/22564109248919-National-Producer-Number-License-Validations?utm_source=openai)) - An email address is required on all Clearcover policies (digital policy documents, app access, and servicing are email‑anchored).([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/ef80bf044b62a3f0d71c531dadb345d7992b8142-53.pdf?utm_source=openai)) AGENT / PRODUCER WORKFLOW NOTES - Agent Portal capabilities (where enabled) include adding/removing vehicles, editing garaging address, adjusting coverages and deductibles, adding drivers, updating lienholder details, managing payments/autopay, viewing documents and prior terms, and canceling policies. Certain changes (e.g., removing or excluding a driver, changing vehicle ownership or mileage) require contacting Clearcover support rather than self‑servicing in the portal.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/22661599314327-What-Agents-Can-Do-in-the-Agent-Portal?utm_source=openai)) - Independent Agent Support is provided by the Customer and Agent Success Advocate (CASA) team, available via phone and chat during extended weekday hours; they handle quote stops, renewals, and servicing questions.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/4413536087063-Customer-Support-Office-Hours-Information?utm_source=openai)) - Clearcover uses automated and AI‑driven tools in both underwriting and claims, including AI‑based damage assessment (via Claim Genius) and broad use of automation to identify fraud and align with appetite. This may affect how fast certain risks are accepted, priced, or referred.([collisionweek.com](https://collisionweek.com/2025/01/16/clearcover-partners-claim-genius-launch-ai-solutions/?utm_source=openai)) BROKER / PRODUCER INSTRUCTIONS (PRACTICAL) - Use the Agent Hub (clearcover.com/agents) as the primary starting point for onboarding, appetite updates, and training. Self‑paced training modules and an Agent Resource Center are provided; agents should review appetite and any state‑specific rules there before targeted marketing or quoting campaigns.([clearcover.com](https://clearcover.com/agents/?utm_source=openai)) - Ensure agency and all writing agents maintain accurate NPN and licensing information in the portal. Any license lapse or NPN mismatch will prevent quoting and policy servicing.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/22564109248919-National-Producer-Number-License-Validations?utm_source=openai)) - Expect product and appetite differentiation in Texas and other markets where CIX/CGA operate; for broader or non‑standard auto risks, check whether the exchange or general agency channel is available in the quoting flow. - For policy servicing in states listed as portal‑enabled, agents should first attempt changes in the Agent Portal and escalate to CASA only for items explicitly restricted (e.g., driver removals) or when encountering automated “stop” messages on a quote or change.([support.clearcover.com](https://support.clearcover.com/hc/en-us/articles/22564628189719-Login-to-the-Agent-Portal?utm_source=openai)) NOTE: Clearcover’s detailed appetite guide is distributed through the Agent Hub as an agent‑only PDF and is not publicly available in full. The above reflects what can be inferred from current public materials and may omit proprietary eligibility rules, tiers, or surcharge/discount grids. Agents should always defer to the latest appetite/underwriting documents inside the Agent Resource Center when binding or marketing business.