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’s public-facing materials currently position the carrier as a non-standard personal auto writer distributed through brokers/agents rather than direct underwriting. The website emphasizes auto insurance for drivers who may have difficulty obtaining standard coverage, including insureds with poor driving records, limited insurance history, or other non-standard situations. Published coverage references include bodily injury and property damage liability, flexible comprehensive and collision options, uninsured/underinsured motorist protection, and SR-22 filing assistance. No detailed public appetite guide, class list, territory grid, or formal decline list was found on the verified official site, so restricted/declined classes are not expressly published in the materials reviewed. Geographic notes publicly visible on the site are limited; Bridger displays Texas and California licenses and operates through a broker network of 1,500+ locations, but no state-by-state underwriting footprint or eligibility map was publicly verified. Submission/producer guidance that is published is focused on appointment rather than risk selection: agencies apply online and are asked for principal agent details and NPN, agency name and address, agency website, agency type, number of locations, number of producers, total annual written premium, non-standard annual written premium, and whether the agency was previously appointed with Bridger or SCJ Insurance. The stated process is application submission, carrier review, and then appointment/onboarding with access to systems, tools, and resources. Broker/service instructions on the public site direct insureds to work through a broker for quotes or policy questions, and agents have a dedicated login plus online appointment flow. Overall, current verified guidance supports placing broker-sourced non-standard personal auto business, but detailed underwriting appetite, prohibited classes, and state restrictions were not publicly posted on the official pages reviewed.