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
Verified current public guidance is producer/agent operational guidance rather than a formal appetite PDF. Clearcover is a personal auto writer with digital quoting/binding and servicing through its Agent Portal. Published materials indicate focus on standard private passenger auto business for individual drivers/households, with quoting requiring driver details (full name, DOB, driver’s license number) and vehicle details (year, make, model, VIN, and lienholder information if financed or leased). Agent-serviced vehicle use types include pleasure, commuting, and business use, and agents can edit rideshare endorsements, suggesting these uses are contemplated subject to underwriting eligibility. Rideshare coverage may be available for Transportation Network Company period 1 exposure, but delivery exposure is explicitly not covered; food/item delivery services such as UberEats, Grubhub, DoorDash, Postmates, and Instacart are not eligible under the rideshare endorsement. Public policy guidance also indicates rental/temporary substitute coverage is generally limited to private passenger autos, reinforcing a personal auto/private passenger focus. Restricted/declined indicators from official materials: personal vehicle-sharing exposures like Turo are not covered; delivery driving is not covered; all added drivers and vehicles are subject to underwriting guidelines and eligibility review; additional-driver discovery is used in quoting, and agents must explain exclusions/removals for discovered drivers; if total drivers exceed Clearcover’s maximum, the quote workflow stops and requires driver removal direction. Geographic notes: Clearcover operates in the U.S., but published agent portal servicing availability is specifically listed for AL, AZ, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, TX, UT, PA, VA, WV, and WI. State-specific operational exceptions shown in support materials include California requiring direct contact to add a driver, and California and Virginia requiring direct contact to add a vehicle. Florida has a specific rental-car coverage limitation where comprehensive and collision do not apply to rental vehicles even if carried on the policy. Submission and servicing notes for agents: use agents.clearcover.com; Google Chrome is recommended; agents can add/remove vehicles, change vehicle use, update safety features and lienholders, add drivers, edit driver details, manage rideshare endorsement, adjust multiline discount, roadside and rental reimbursement, deductibles, contact info, billing/payment methods, autopay, garaging address, cancellations, and access policy documents/renewals. Agents cannot self-service driver removal/exclusion, vehicle mileage changes, or ownership changes (financed/leased/owned); those items require Clearcover/Agent Advocacy support. Embedded partner guidance states the offering is intended for licensed insurance agents and that Clearcover can provide white-label / API-based distribution, but this is distribution guidance rather than underwriting appetite.