TLDR - Is it possible to change insurance companies half way through a policy?
We're a growing trucking company, up to 18 trucks. We got away from Progressive after our first 2 years, but one of our new insurance underwriters is absolutely terrible.
They have intentionally vague conditions they will not clarify for adding drivers to our policy, and have made every driver addition jump through unnecessary hoops to let us employ them. They refuse to accept mandated DOT per-employment verification as a means of CDL experience, any unemployment gap longer a month in the PAST 3 years disqualifies them regardless of experience, or they're put on probation and have to be reviewed quarterly. If their physical license has an issued date sooner than 3 years to the day they have to get first issuance letters from state authorizes or a picture of an old license (which owning two licenses is illegal in most states). If their MVR doesn't have the CDL issue date listed (most states we employ drivers from, they don't put it on there) they have to get an issuance letter.
I've lost 90% of my applicants due to their plethora of conditions that were not made clear when we signed on with them, and putting what I feel is too much responsibility on a new applicant. Especially in this industry where there is such a demand for quality drivers. Many of these applicants I believe to be veterans of the industry that anyone would want to have. I cannot deal with this company for another 9 months.
Any information whatsoever that could help us out would be highly appreciated. Thank you for taking the time to read.