Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What new authority insurance is.
New authority means no loss history for an underwriter to price against, so markets substitute caution. The number of carriers willing to quote you is genuinely small.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Markets that write authority under 12 months
- The filings needed to activate authority
- A renewal plan for when you cross 12 months
Typically not
- Any promise of a particular rate
- Backdating coverage
Free · No obligation
Quote my new authority
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
New Authority questions
Why is year one so expensive?
There is nothing to price against. Underwriters price uncertainty, and you have not yet given them a record.
Does it drop at 12 months?
Crossing 12 months with clean loss runs opens markets that were closed to you. How much it moves depends on your record.