Bridger Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Bridger Insurance Services operates as an underwriting manager/MGA focused on California nonstandard personal auto insurance, distributed exclusively through independent brokers/agents. Their public site and current collateral emphasize auto only; no other admitted product lines are indicated. Preferred / target business - Personal auto risks needing nonstandard solutions: drivers who may not qualify for standard auto due to driving record, lapse in insurance, limited insurance history, or other underwriting issues. - Private passenger vehicles for personal use, written via appointed independent brokers using Bridger’s technology platform and app. They promote comprehensive liability, optional comp/collision, and uninsured/underinsured motorist coverage with flexible payment plans. - California-centric business; multiple references show Bridger’s roots and continued focus on CA personal auto, with growth into additional states over time. Restricted or declined classes (inferred from nonstandard-auto positioning and available quick-reference material) - Program materials for “Bridger Auto2 – Quick Reference Guide – CA” indicate tighter controls around physical damage: use of actual annual mileage on PD policies, minimum annual mileage thresholds, and triple deductibles on PD losses during specified early-policy or lapse periods. This reflects a more restrictive posture toward higher‑frequency and early‑tenure loss exposures. - Altered vehicles, business/artisan vehicles, and vehicles older than 20 years are segregated or limited in availability. Liability-only is available more broadly; physical damage on certain vehicle types appears limited to specific options or programs (e.g., through aggregator/Way+ or similar), signaling caution around non‑standard vehicle characteristics. - Business use appears tightly controlled; only certain occupations and personal-lines exposures are acceptable where business use is allowed, and only on private passenger vehicles. More commercial-style usage is generally not contemplated under the personal auto program. Geographic notes - Core footprint is California nonstandard auto. Public company and third‑party profiles describe Bridger as one of the larger California auto writers, with stated plans to expand their nonstandard auto offerings into additional states via a modern distribution platform, but current detailed guidelines are CA‑centric. Submission and underwriting workflow - Business is placed through independent brokers using Bridger’s online systems, including a broker/agent portal and a policyholder app. Underwriting is technology‑enabled: case‑study material notes automated underwriting processes (e.g., automated MVR/driver checks) to streamline quote and bind and reduce manual processing. - Underwriting and policy servicing contacts are centralized through Bridger Insurance Services in Pleasanton, CA, with underwriting support reachable by email (e.g., underwriting@bridgerins.com referenced in program collateral) and by phone. - For physical damage risks, underwriters rely on disclosed actual annual mileage and may apply special deductible structures for early‑term losses or policies with lapse/reinstatement histories. Appetite is sensitive to early‑tenure loss frequency and to gaps in coverage. Broker / producer notes - Bridger distributes solely through appointed independent brokers. A dedicated “Get Appointed” section outlines that prospective agents must complete an online appointment application and go through Bridger’s onboarding before accessing programs. - They emphasize simplifying processes for agency partners with a modern distribution platform, consolidating quoting, policy servicing, and commission/agency management. Once appointed, producers are expected to use Bridger’s systems (including app/portal and any integrated rater connections) for submissions, endorsements, and servicing. - Various marketing contacts (state manager, broker relations, marketing) are provided in program collateral for questions on appetite, production, and broker support. Brokers are directed to contact these roles for training, market questions, or to request additional tools (such as image‑upload/Underwriting Pix links referenced in collateral). Publicly available underwriting guidance for Bridger is high-level and operational rather than a full risk-class matrix. Detailed vehicle, driver, and surcharge rules, as well as full accept/decline lists, remain in carrier distribution materials and broker-only underwriting manuals, which are not fully exposed on the open website. The above summary reflects what can be confirmed from current official and near‑official Bridger program documents and corporate communications as of early 2026.