Clearcover, Inc
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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, Inc. operates a digital-first personal auto program written through Clearcover Insurance Company and distributed primarily via independent agents, embedded/white-label partners, and direct/app-based channels. Publicly available, carrier-authored underwriting or producer manuals are not posted on the Clearcover site; state-specific rules and rating plans are filed with regulators and accessed via comparative raters/agency systems rather than open web PDFs. Preferred / target business (inferred from positioning and regulatory filings): - Standard to preferred private passenger auto risks purchased and serviced digitally via the Clearcover app or white‑label partners. - Drivers comfortable with self-service for quoting, ID cards, billing, and claims, leveraging automated workflows. - Policies written in select states only; availability varies by state and distribution partner. (Agents should verify current state availability in their rater or appointment packet.) Restricted / declined (operational expectations, based on product focus and regulatory actions rather than a published appetite grid): - Non-standard or highly complex auto (e.g., heavy commercial, specialty vehicles) is outside the Clearcover personal auto focus and should be placed elsewhere. - Texas market conduct findings highlight heightened scrutiny around personal injury protection (PIP) rejections and issuance of ID cards; producers should avoid any shortcuts on mandatory coverages or documentation when placing Texas risks. Geographic / distribution notes: - Clearcover operates in a limited set of U.S. states; the carrier has exited or restricted new business/renewals in some jurisdictions over time. Agents should always confirm active states and any moratoriums via their comparative rater or agency appointment communications rather than assuming broad national availability. - The product is marketed as digital-first, with significant use of automation and embedded/white‑label distribution, so some states or channels may only be available via specific partners rather than open retail appointments. Submission & documentation expectations (from regulatory examination details and digital model): - All mandatory coverages (e.g., PIP in Texas) must be included unless Clearcover has a signed, written rejection on file before policy issuance; agents must obtain and retain signed rejection forms where required. - ID cards must be generated and delivered for every new and renewal policy; agents should confirm that their rater/portal workflow completes the ID-card issuance step. - Only properly licensed and appointed agents may solicit, bind, or service Clearcover policies. The Texas examination found use of licensed but unappointed agents; agencies should ensure all producers writing Clearcover are formally appointed with the company before binding business. - Expect Clearcover to favor fully digital submissions (through raters, embedded platforms, or the Clearcover app) with complete driver and vehicle information up front; incomplete driver listings or delayed responses to underwriting information requests can result in non‑renewal. Broker / producer handling notes: - Clearcover uses independent agents but enforces regulatory and documentation standards closely, as reflected in recent Texas market conduct findings. Agencies should: - Confirm producer appointments before first binding. - Follow state-mandated forms and rejection procedures exactly, especially for coverages like PIP. - Use Clearcover’s digital workflows (or white‑label/embedded platform) to manage payments, service, and common customer requests rather than offline workarounds. - There is no public-facing broad appetite guide; producers should rely on their Clearcover agency/broker agreement, comparative rater rules, and state filings to identify in‑appetite drivers/vehicles and any prohibited categories. Because the carrier does not publish an open-web underwriting or appetite guide for producers, all operational guidance above is synthesized from Clearcover’s digital product positioning and regulatory examination findings, and should be supplemented with any proprietary manuals or bulletins provided directly to appointed agencies.