Insurer guide
Cover Whale Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Cover Whale. This page lists the Cover Whale coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Cover Whale. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Cover Whale if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Cover Whale coverage and states available through our agency
The table shows each Cover Whale coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Workers Comp | Business | AZ, AL, GA, OK, NM, SC, IL, TN |
| Trucking | Business | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a Cover Whale quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the business operates.
- A licensed agent reviews whether Cover Whale is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Attune, Hanover, biBerk, Pie, Next, AmTrust, Chubb Commercial, Great American.
Who Cover Whale is
Cover Whale Insurance Solutions LLC is a New York-based MGA for commercial auto and trucking. It was founded in 2020. Dan Abrahamsen is its founder and CEO, according to Insurance Journal.
Cover Whale sells through appointed brokers and agents. Insurance Journal reported about 5,000 agents in July 2025. According to the First Connect carrier directory, it targets fleets with 1 to 25 power units at bind.
Its DriveSmart tool adds telematics and driver coaching.
Who issues Cover Whale policies
Cover Whale's site shows logos of its "A-rated insurance partners":
- Ascot, Canopius, Everspan and SCOR.
- Trisura, Accredited and Munich Re.
- A Lloyd's coverholder mark.
The site doesn't say which insurer writes which line. We didn't verify each partner's rating. Your declarations page will name the insurer for each coverage. Different coverages on one account could come from different insurers.
The logo list shows who Cover Whale works with. It doesn't tell you which company is on your declarations page, or whether a partner issues policies or backs another insurer. Ask your agent to name the insurer for each line on your quote.
What Cover Whale covers
- Auto liability.
- Cargo.
- Physical damage.
- General liability.
- Non-trucking liability.
- Roadside assistance.
Its site also lists fleet programs and DriveSmart, a telematics and driver-coaching tool.
Cover Whale's help center (updated October 2026) shows auto liability as non-admitted in 35 states and admitted in seven: Florida, Illinois, Nevada, New Mexico, North Carolina, South Carolina and Wisconsin. Physical damage, GL, cargo and non-trucking liability are offered everywhere except Alaska, Hawaii, Kansas and New York.
Cover Whale news, 2024 to 2026
- May 2024: Morgan Stanley Expansion Capital first invested through structured debt.
- July 30, 2025: Morgan Stanley Expansion Capital provided $40 million in equity, according to Insurance Journal. Cover Whale said it had written more than $1.3 billion in premium since its start.
- June 23, 2026: launched Breakwater Markets, a digital wholesale brokerage for transportation risks outside Cover Whale's own appetite.
In other words, if Cover Whale's program won't write a trucking account, Breakwater may be able to place it elsewhere.
For you, that means an agent working with Cover Whale may have two routes. One is Cover Whale's own program. The other is Breakwater, which shops other markets. Ask which one your quote came from, because the insurer and terms can differ.
Admitted vs. non-admitted auto liability
Cover Whale writes auto liability both ways, depending on the state. In most of its states, it's non-admitted, meaning surplus lines. In seven states it's admitted. Florida appears on both lists, so ask which one applies to your account.
The difference affects the rules your policy follows. Admitted policies generally use forms and rates filed with your state. Non-admitted policies generally have more flexibility. Your agent can explain what that means for your filings and coverage.
What to check before you buy Cover Whale
- The insurer for each line. Get every insurer's name and rating.
- Filings. If you need federal or state filings, confirm they can be made.
- Fleet size. The target is 1 to 25 power units.
- Telematics. Ask what DriveSmart requires of your drivers.
- Breakwater or Cover Whale. Know which one placed your account.
- Admitted or non-admitted. Confirm which applies to your auto liability in your state.
Sources for the sections above: Cover Whale help center: States where Cover Whale offers coverage (October 2026); Cover Whale: home page; Insurance Journal: Cover Whale launches Breakwater Markets (2026) (secondary); Insurance Journal: Cover Whale and Morgan Stanley Expansion Capital (2025) (secondary); First Connect carrier directory: Cover Whale (secondary).
Cover Whale FAQs
Can Blake Insurance Group quote Cover Whale?
Yes. Our agency currently has access to quote Cover Whale for the coverage types and states listed on this page. Access can change, and Cover Whale decides whether to offer a policy.
Which states can you quote Cover Whale in?
Of the 24 states where we are licensed, we can currently quote Cover Whale in AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Cover Whale with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Cover Whale decides eligibility, pricing and whether to issue a policy.
Trademarks. Cover Whale and other company names are trademarks of their owners. This page is not published or endorsed by Cover Whale.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Cover Whale and other options available to you.