Clear Blue Insurance Company Claims After a Truck or Commercial Vehicle Crash

Clear Blue Insurance Company is a fronting insurer launched in 2015 that issues policies for program partners and reinsurers instead of keeping the underwriting risk itself (PR Newswire); Missouri records show it writing commercial auto among other lines. If a vehicle with a Clear Blue policy hit you, your claim is likely handled by the program’s administrator. Beverly Law does not work for or with Clear Blue.

Who is Clear Blue Insurance Company?

The 2015 launch release said Clear Blue began with two licensed fronting carriers: an admitted company, formerly RLI Indemnity Company, renamed Clear Blue Insurance Company, and a surplus lines company, formerly Maiden Specialty Insurance Company, renamed Clear Blue Specialty Insurance Company. It described a Puerto Rico-based holding company headquartered in Charlotte, North Carolina, backed by the private equity firm Pine Brook, and called fronting a non-risk-bearing business that lets reinsurers reach the U.S. market.

The Missouri Department of Insurance lists Clear Blue Insurance Company under NAIC number 28860 with a Guaynabo, Puerto Rico address, and its market share data includes commercial auto liability and collision (Missouri DOI).

How does fronting change who I deal with?

On a fronted program, Clear Blue’s name is on the policy, but a program partner typically underwrites the business and, in many programs, a claims administrator adjusts the losses. You may get a call from a company you have never heard of. That is not a red flag by itself; it simply means you should confirm in writing who that company is, what policy it is handling, and whether it has authority to settle.

It also helps to know which Clear Blue company issued the policy. The admitted company and the specialty (surplus lines) company are regulated differently, and the declarations page shows which one applies.

How do I find the right claims contact?

We could not open an official Clear Blue page listing a claimant phone number, so we do not print one here. Use these instead:

• The driver’s insurance card or exchange form. Program cards usually show the administrator’s claims number.
• The police report. It normally lists the insurer and policy number.
• The carrier’s federal record. For trucks, look up the USDOT number on SAFER, and check filed insurance on the Licensing and Insurance search.
• A letter to the insurer. Send the policy number and your contact information and ask who handles the claim.

Do state claim rules apply?

Yes, to licensed insurers. California’s fair claims rules apply to claimants under someone else’s policy (10 CCR 2695.2). Insurers generally must respond to your letters within 15 calendar days (10 CCR 2695.5) and accept or deny within 40 calendar days of proof of claim, with written updates every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). In Texas, ask for any refusal in writing (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.

Regulators do review how Clear Blue handles claims. In May 2025 the Florida Office of Insurance Regulation issued a market conduct report on Clear Blue’s residential property claims from Hurricane Ian, with findings on adjuster appointments and timely responses (Florida OIR). That report was about home claims, not auto, but it shows why keeping a written record of every contact matters.

How much coverage might there be?

It depends on the vehicle. For most interstate for-hire freight trucks of 10,001 pounds or more, the federal minimum is $750,000 (49 CFR 387.9). A local business vehicle may carry much less; California’s minimum is $30,000 per person and $60,000 per accident for injury (DMV). Ask for every policy and limit in writing.

For trucks, ask early that the carrier keep driver logs, which are required for only six months (49 CFR 395.8), and its accident register, kept for three years (49 CFR 390.15).

What to do now

1. Get medical care and keep your records.
2. Photograph the insurance card and any USDOT number.
3. Get the police report with the policy number.
4. Confirm in writing who the administrator is and its authority.
5. Ask which Clear Blue company issued the policy and its limits.
6. Send a preservation letter for logs and video.
7. Talk to a lawyer before signing a release.

Help with a Clear Blue claim

Not sure who is handling your claim? Call Beverly Law at (310) 552-6959 for a free review in English or Spanish. You owe no fees or costs unless we win. Our truck insurance claims guides cover other insurers.

Common questions

Related pages

Truck Insurance Claims · Truck insurance claims · Southlake Specialty Insurance claims · Accredited Specialty Insurance Company claims · Can I sue a truck driver for hitting me? · Law Blog

Important: This page is general information, not legal advice, and reading it does not create an attorney-client relationship with Beverly Law. Laws change and every case is different; talk to a lawyer about your own situation. Attorney advertising. Prior results do not guarantee a similar outcome. You owe no fees or costs unless we win. Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou. Last reviewed: 2026-11-12.