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True named operator coverage is pretty hard to come by in WA. I haven't quoted it in years. The main reason being that it's usually way more expensive than just getting the insurance on the vehicles anyway. (Unless you're talking fleet commercial coverage in which case that's a different story) The reason is that they have no idea what kind of a vehicle the insured is going to jump in to. It could be a 1980s VW or it could be a brand new Ferrari, so essentially they rate it based on the assumption that you're going to drive the fastest most expensive car possible. It's a PIA to get a quote and any time I have the client has turned it down because it was WAY too expensive. So I haven't even bothered to keep track of what companies offer it. But it isn't any of the major ones.
Most of the people I have come across that think they have this coverage in fact have a non-owner policy because some agent that didn't know what the hell they were doing sold them one of these thinking it would insure them to drive any care. Which it sort of does except it can't be a vehicle they own or have regular access too. It's really only intended for people who require insurance to keep their license (they need an SR-22) but that do not own or have regular access to a car. If they own the car, or if they use it on a regular basis, they are not covered by this policy. Progressive is the main company I use for handling this when I actually have someone who needs it.
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It looks like Unitrin or Viking might offer what you're looking for.
Couple things to keep in mind though:
- It does not give coverage for the vehicle itself, so no comp or collision.
- Because it only covers the named driver, it does not cover anyone else to driver the vehicles. So if the person who buys this policy lends their vehicle to someone else they could be in big trouble if that person gets in an accident. They are legally responsible for any damage or injuries as the registered owner of the vehicle, but because they were not the driver at the time, this policy will not cover them.
Thank you for your response! Lots of great and helpful info. I have an interview/meeting with the marketing rep for Unitrin, so wish me luck! I can't ever get ahold of the Dairyland/Viking rep though....