Clearcover has introduced a new auto insurance product in Florida, alongside the launch of its “26 for ’26” agent incentive programme, as the digital-first insurtech looks to improve affordability and expand access to coverage in the state.
The new offering is designed to address persistent challenges in Florida’s auto insurance market, where high costs and coverage gaps remain significant. Clearcover’s approach removes traditional friction points such as late fees, cancellation charges, and reinstatement costs, while introducing flexible payment options aligned with customers’ pay cycles.
Drivers can choose from weekly, biweekly, or monthly payment plans, benefit from lower upfront costs, and in some cases secure same-day coverage. Policies are fully managed through Clearcover’s digital platform, allowing customers to obtain quotes, manage coverage, and handle claims online with an emphasis on speed and transparency.
The product also includes access to Car Care, a vehicle maintenance programme offering discounted services and potential annual savings of up to 25% for eligible customers.
Alongside the product rollout, Clearcover has launched its “26 for ’26” programme, running from May through December 2026. The initiative is aimed at strengthening agent engagement through a mix of cash rewards, commission enhancements, and performance-based incentives. Agents earn entries for prizes based on policies written, while agencies and network groups can unlock additional benefits, including commission increases and contingency bonuses of up to 26 percentage points.
Florida is the first market for the new product, with further expansion planned across additional states later in 2026. The launch comes at a time when more than 20% of drivers in Florida are uninsured and nearly 40% are underinsured, underscoring the need for more accessible coverage options.
“Clearcover is here to give everyone a better way to get insured—one that’s affordable, flexible and built around their needs,” said Kyle Nakatsuji, CEO and co-founder of Clearcover. “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.”
“We built 26 for ’26 around something simple: agents writing Florida non-standard auto should have a real reason to choose Clearcover first,” added Seth Henderson, senior vice president of insurance product and growth. “The product is purpose-built to work for their customers while the program gives agents top-of-the-line compensation.”
The launch highlights how insurtechs are continuing to leverage digital platforms and flexible product design to address affordability and distribution challenges in high-risk insurance markets.
