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 is an underwriting manager/MGA focused on non-standard personal auto, distributed exclusively through independent agents/brokers in selected states (notably California and Texas, with ongoing multi-state expansion). Their public-facing materials stress affordable, minimum-limits-oriented coverage for higher-risk drivers and tech-enabled servicing, but they do not publish a detailed, line-by-line underwriting or appetite guide on their main site. Preferred / target business - Personal non-standard auto only; drivers who have difficulty obtaining standard insurance (e.g., prior lapses, violations, limited insurance history) are explicitly referenced as the focus. - Budget-conscious insureds needing state minimum or basic liability limits, often served through broker partners and digital distributors. - Business is written via appointed independent agents and a broker network; there is no direct-to-consumer placement from Bridger itself. Restricted / declined classes (inferred from positioning; not explicitly listed) - No evidence of homeowners, commercial auto, general liability, property, or other P&C lines—treat these as out of appetite. - Non-owners policies are shown as “Not Available” on at least one product quick-reference guide for a California auto program, indicating that non-owner auto is generally outside appetite for that program. - No published tolerance for specialty vehicle types (motorcycles, RVs, etc.) or commercial-use exposures; assume standard non-commercial private passenger autos only unless an updated producer guide explicitly states otherwise. Geographic notes - Corporate licenses and contact information show operations anchored in California and Texas; external partner materials describe Bridger as expanding its non-standard auto offerings into additional states. Treat the carrier as regionally focused and verify eligibility in your rater/portal for each state before quoting. - Underwriting is managed centrally from Pleasanton, CA, with standard Monday–Friday 8:00 a.m.–5:30 p.m. (Pacific) service hours. Submission and servicing requirements (operational) - All new business and servicing are handled through independent agents/brokers using Bridger’s digital tools: agent portal (producer.bridgerins.com), mobile app, and connected raters/partners. Submissions should be made electronically; paper or manual submissions are not indicated. - Underwriting operations are accessible by phone and email; product quick-reference material lists underwriting@bridgerins.com and a central phone line (866-762-7332) for underwriting and customer service. Expect standard documentation (driver’s license, MVR, proof of prior insurance if applicable, vehicle information, garaging address) and be prepared to respond to underwriting verification requests. - Policies are typically direct-billed with low down-payments and flexible payment options (recurring credit card/ACH). Policyholder self-service and payments are supported online and via IVR. Broker / producer notes - Bridger positions itself as "dedicated to independent agents" and emphasizes streamlined quoting, policy management, and commission handling for agency partners. Agent relationships are central; access requires appointment through the “Become an Agent” onboarding process. - Agent appointment and onboarding are handled via an online pre-boarding workflow linked from the "Become an Agent" page. The platform is being modernized to unify agency, commission, and hierarchy management, which may affect how subcodes and producer setups are handled. - Brokers/agents should use the agent login portal for quoting and policy servicing and follow any program-specific underwriting bulletins or quick-reference guides made available only inside the portal or via their wholesalers/aggregators. Important caveat - Bridger does not make a comprehensive public underwriting/appetite guide available on its main site. Treat the above as a high-level operational summary and rely on program-specific guides, portal rules, and live underwriter direction for binding authority, risk eligibility, and any detailed class restrictions or surcharges.