The Cover Whale Driver Safety Program

It’s a myth that truck driving is risky.

Like your clients, most of America’s truck drivers are safe, conscientious professionals who want to deliver freight on-time and exception-free. These are the drivers Cover Whale wants to insure. Your clients shouldn’t have to pay higher insurance premiums due to the unsafe driving behaviors of those who choose to be reckless.

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Our Driver Safety Program benefits policyholders.

Improves safety for your client and others on the road

Identifies unsafe driving and provides coaching to help policyholders avoid accidents and costly claims before they happen.

Saves policyholders money on their insurance

The information provided by our dashcams or electronic logging devices (ELDs) can help lower insurance premiums.

Helps with claims when they happen

Provides a broader range of visibility which can be used to dispute claims made by other motorists.

Advanced telematics + safety coaching + the industry's best insurance = Protecting policyholders’ livelihoods

The Cover Whale Safety Program comprises three components: telematics, coaching, and coverage working together to keep your clients on the road earning.


Every Cover Whale auto liability policy uses robust telematics data collected from either Cover Whale-provided dual-facing dashcams or our policyholders' existing ELDs. These devices flag aggressive driving behavior, such as speeding, hard braking, and hard turning. Dashcams also record accidents should they happen, which may help exonerate your client if they're not at fault.


A centerpiece of the Cover Whale Driver Safety Program, when we notice unsafe driving, the policyholder will receive a combination of emails, texts and phone calls from us so they can stay aware of how they’re driving and avoid those moments. Our coaching communications promote safer driving, protect other motorists, and help keep your client insured and operating.


Cover Whale insurance enables policyholders to take their skills and talent out on the road, delivering their freight safely. Our Driver Safety Program helps us offer some of the most competitive insurance rates in the trucking industry. This lowers the insurance costs for your clients.

How it works

Telematics devices log and report unsafe "events" while the policyholder is driving, including excessive speed, as well as hard-braking and hard-turning incidents.

  • When the device, either a dual-facing dashcam or ELD, reports these events happening over time and/or a number of miles driven, Cover Whale sends the policyholder an email and a text alerting them of the issue and strategies for improving their driving safety.
  • Good news is if your client takes corrective action and the events don’t continue, we’ll let them know that we see the improvement. Just like a coach would.
  • If the device reports no improvement over time, we’ll let the policyholder know that they are at risk of having their insurance canceled. If the unsafe driving still continues we’ll notify them that we intend to cancel their coverage within 35 days. Even after the policyholder is notified, they have the opportunity to improve and have their insurance reinstated during that period.

Frequently Asked Questions

All Cover Whale Auto Liability policies require installation of either a Cover Whale-provided dual-facing dashcam or a connection to the policyholders’ existing ELD.

No, covering the dashcam while the ignition is running and you are driving is considered tampering with the camera.

No, the dashcam is only recording when the ignition is on and the truck is running. The dashcam does not record when the ignition is off for prolonged periods of time.

Yes, certain footage, if available, can be requested by the policyholder upon request.

A Cover-Whale provided dashcam or a connection to an existing ELD is required for all Cover Whale Auto Liability policies. Failure to install and use the dashcam or connect the ELD will result in cancellation of coverage.

Cover Whale uses the information to provide and create safe-driving feedback — the coaching part of our Safety Program. Footage may also be used in the event of an accident or claim.

All footage is stored on the dashcam itself until it is recorded over. In certain cases, coachable driving events and accidents are saved.

Yes, because of the driving information from the dashcam, we are able to offer Cover Whale-insured drivers up to 30% off their premium when renewing their Auto Liability policy. For potential discounts, we evaluate drivers on factors such as frequency of speeding, hard-braking, and sharp-cornering incidents, and dashcam compliance. These help us understand your safe-driving practices and enable us to apply our Safe Driver Discount.

No, Cover Whale provides the dashcam as part of the Driver Safety Program

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