Carrier Guide
Agency codes, portal links, rules for Progressive, Geico, Cover Whale, and secondary markets.
Progressive
Quoting Rules
Use the I4T agency code 03BFB on all submissions.
Progressive allows quoting for most standard trucking risks including owner-operators and small fleets.
Loss runs are required for accounts with 3+ years in business.
MVRs must be current (within 30 days) for all drivers.
Do not quote risks with more than 2 at-fault accidents in 3 years.
New ventures (less than 1 year in business) may be quoted but expect higher premiums.
Geico
Quoting Rules
Use agency code G05721 on all Geico submissions.
Geico is competitive for owner-operators with clean records.
Geico requires MVRs for all drivers.
Loss runs are required for accounts with prior insurance.
Geico does not write new ventures in all states — check availability.
Always compare Geico rates against Progressive before presenting to the client.
Cover Whale
Quoting Rules
Use NPN 20220257 on all Cover Whale submissions.
Cover Whale is a good option for new ventures and non-standard risks.
They offer telematics-based pricing — mention this to clients with clean records.
MVRs required for all drivers.
Cover Whale has a fast binding process — often same day.
Check their appetite guide for cargo types they will and won't write.
Secondary Markets (Mike Hughes)
Required Documents for Hughes Submission
Contact: [email protected]
MVRs for all drivers (current, within 30 days)
Last 3 years of Loss Runs
IFTA reports for last 4 quarters
Signed application
Current Certificate of Insurance (if applicable)
Summary of why primary markets declined
Carrier Quick Reference
| Carrier | Code | Portal | Best For |
|---|---|---|---|
| Progressive | 03BFB | foragentsonly.com | Standard risks, clean records |
| Geico | G05721 | gateway.geico.com/quote | Owner-operators, competitive rates |
| Cover Whale | NPN 20220257 | coverwhale.com | New ventures, non-standard |
| Secondary (Hughes) | N/A | Email Mike Hughes | Hard-to-place, high-risk |