Clearcover Brings Transparent, Flexible Auto Insurance to Florida–No Fees, No Surprises
Florida agents can now join “26 for ’26”, an incentive program offering cash prizes, agency rewards and up to 26 points of combined commission and incentive value
CHICAGO — [April 30, 2026] — Clearcover Insurance Company today launches a new auto insurance product in Florida built around one idea: coverage that works on the driver’s terms, not the insurer’s.
The product eliminates the fees and rigid payment schedules that push Florida’s most vulnerable drivers out of coverage: no late fees, no cancellation fees, no reinstatement charges, and payment plans that sync with weekly, biweekly, or monthly pay cycles.
The need is acute. According to the Insurance Research Council, one in three U.S. drivers is uninsured or underinsured and Florida’s statistics are worse: More than 20% have no insurance at all, and nearly 40% are underinsured.
“Clearcover is here to give everyone a better way to get insured—one that’s affordable, flexible and built around their needs,” said Clearcover CEO and Co-founder Kyle Nakatsuji. “Our expansion into Florida is the reinvention of what auto insurance should be, eliminating barriers to help more drivers access transparent coverage with real control over their payments and policies.”
Florida drivers can now:
- Stay covered without penalty: No late fees, cancellation fees or surprise reinstatement charges.
- Pay when they get paid: Choose weekly, biweekly or monthly payment schedules to match pay dates.
- Access their lowest rates and lowest down payments: Affordable entry into coverage, designed to fit tighter budgets.
- Get same-day coverage: Seamlessly avoid lapses or delays when switching carriers, if eligible.
- Manage everything digitally: From instant quotes to simple claims and quick payouts via Clearcover’s highly rated app.
Eligible policies also include Car Care, discounted vehicle maintenance with average annual savings up to 25%.
Florida Agents: Introducing “26 for ’26”
Running May through December 2026, 26 for ’26 rewards every level of agency production.
Producers earn game entries for every five policies written, competing for escalating cash and gift card prizes. Agencies hit branded merchandise milestones based on cumulative volume. And network groups unlock commission overrides and an annual contingency bonus tied to portfolio quality, earning up to 26 percentage points of combined commission and incentive value.
“We built 26 for ’26 around something simple: agents writing Florida non-standard auto should have a real reason to choose Clearcover first,” said Seth Henderson, Clearcover Senior Vice President, Insurance Product & Growth. “The product is purpose-built to work for their customers while the program gives agents top-of-the-line compensation.”
Florida is Clearcover’s first market for this product. Additional state rollouts are planned for later in 2026.
Program terms and enrollment details available through the Clearcover Growth Team. Learn more by visiting clearcover.com/agents.
About Clearcover Inc.
Clearcover Inc. is a next-generation insurance holding company founded in 2016 by Kyle Nakatsuji and Derek Brigham. Its flagship brand, Clearcover, delivers affordable car insurance with one of the industry’s fastest claims experiences across Clearcover Insurance Company, Clearcover Insurance Agency, Clearcover General Agency, and Clearcover Inter-Insurance Exchange (CIX). The holding company also includes Dearborn Labs, a forward-deployed AI firm founded in 2026 that partners with P&C carriers and MGAs nationwide to design and deploy production AI systems built on nearly a decade of Clearcover’s insurance AI expertise. Ranked on the Inc. 5000 and Deloitte Technology Fast 500™ lists and featured on CNBC’s 2024 World’s Top Insurtech Companies and Forbes’ 2025 America’s Best Insurance Companies, Clearcover Inc. has raised more than $560 million in funding to date. For more information, visit Clearcover.com and DearbornLabs.com.