Fast quotes. Smarter underwriting.
The always-on risk engine agencies trust to win and retain commercial auto business: DriveSmart continuously underwrites every policy — keeping your fleets safer on the road and priced right, every day.
Average bind time
18 mins
vs 2-5 days
Road Safety
Improving
via DriveSmart
Digital Driver Coaching
16,000+
drivers coached
A-rated insurance partners delivering products on the Cover Whale platform
The engine behind faster growth and safer fleets
Three connected systems — Speed, Intelligence, and Alignment — power the Cover Whale platform for agents, fleets, and partners alike.
Instant Bind Speed
Quote, bind, and issue in one connected workflow — no waiting, no chasing docs.
- Pre-fill risk info for speed to quote
- Real-time underwriting review
- Bindable quote generated
- Digital payment/checkout
- Instant policy issuance
DriveSmart Intelligence
Continuous underwriting keeps fleets covered on the road and prevents losses.
- 200+ automated daily checks
- Real-time underwriting alerts
- Automated driver coaching
- Safety discounts available
- Helps fleets prevent accidents
Aligned Partnerships
Forging strong partnerships with partners — smarter underwriting, fewer accidents.
- Focus on delivering strong loss ratios
- Embedded proactive risk management
- Turning risk appetite into APIs
- New products launched in days
- Profitable partners since 2019
Proof in the numbers
Cover Whale combines real-time underwriting with distribution excellence to deliver profitable growth for agents and partners alike.
Growth since 2019
$5M → $1.4B+
Quote time
< 5 minutes
Bind time
< 18 minutes
Service response time
1 business day
Fleet dashboard
Real-time safety alerts, coaching nudges, and financial impacts help fleets act before losses occur.
- Driver risk tiers updated nightly
- Premium adjustments surfaced instantly
- Benchmarking against peer cohorts
Agency cockpit
Quote pipeline visibility, renewal watchlists, and endorsement automation to grow books past $1M in six months.
- Pipeline tracker with appetite signals
- Renewal risk predictions at a glance
- Distribution playbooks accessible anytime
Quote and bind in minutes
Join 100+ agencies averaging $1M+ in premium within 6 months. Win more business with automated underwriting, instant endorsements, and responsive customer service.
- Average bind time: 18 minutes (vs 2-5 days industry avg)
- Agencies scale to $1M+ premium in 6 months
- Instant endorsements on DRIVE e-commerce platform
- Dedicated success playbooks for new producers
Get the DriveSmart engine
Plug our continuous underwriting engine into your portfolio for real-time leakage control and profitable growth. We handle vehicle data aggregation, analysis and embedded risk-management.
- Launch your connected vehicle strategy with Cover Whale
- Daily cohort performance dashboards
- Predictive analytics leaned from over 2B+ vehicle miles
- Aligned and transparent partnership