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’s verified public producer guidance is centered on personal auto written through its agent portal and support hub rather than a traditional public appetite guide. Current new business availability is listed for AL, AZ, GA, IL, IN, KY, LA, MD, MS, MO, NE, OH, OK, TX, UT, VA, WV, and WI; Clearcover also references active California policies, but California is not listed as open for new business. Operationally, Clearcover appears focused on standard personal auto with digital servicing, portal-based policy management, and optional rideshare Period 1 coverage in eligible situations. Preferred-fit business includes personal auto risks that can be quoted and serviced digitally, customers needing standard vehicle/driver changes through the agent portal, and eligible Uber/Lyft-type rideshare drivers seeking Period 1 coverage. Restricted/declined-type signals from official materials include no coverage for delivery of food or goods (for example Uber Eats, DoorDash, Instacart, Grubhub, Postmates), limits around spouse/driver handling under underwriting rules, and cases where a customer cannot meet driver-listing requirements; Clearcover also notes all added drivers are subject to underwriting eligibility review and that if detected drivers exceed Clearcover’s maximum, the quote requires removal/direction. Geographic notes: new business is limited to the listed 18 states; policy coverage extends while driving in the U.S. and Canada, and separate insurance is needed for driving outside those areas. Submission and servicing requirements: agents are onboarded as partner agents and log in via the Clearcover Agent Portal; admin users can create/manage portal users. Agents can self-service many midterm changes in the portal, including add/remove vehicle, edit use type (pleasure/commuting/business), safety features, lienholder changes in some cases, add driver, edit rideshare endorsement, multiline discount changes, roadside assistance, rental reimbursement, deductible changes, contact info, payment method/autopay, garaging address, mileage, ownership type, remove driver, cancel policy, and access policy/renewal documents. Items requiring Clearcover assistance include driver exclusions and coverage changes needing signed documents. Producer/broker instructions of note: an Agent/Broker of Record change requires a signed ACORD form; the new producer must be licensed, appointed with Clearcover, an active agent-portal user, and have an NPN. Clearcover also advises agents to refer insureds back to the listed agent of record when applicable. Support for independent agents is available Monday-Friday, 8:00 AM-7:00 PM CT by portal chat or phone. Overall, the verified public guidance supports a digital-first, standard personal auto appetite with limited public class-detail disclosure and heavier reliance on partner onboarding, portal workflows, and internal underwriting eligibility checks.