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
Brand/Platform - Bridger Insurance Services / Bridger Auto2 – non‑standard personal auto program, currently evidenced for California only. Preferred / Target Business - California personal auto, including non‑standard drivers, placed through contracted brokers using Bridger’s POS system (InformIns). - Liability-only acceptable on older units; physical damage available where drivers and vehicles qualify. - Drivers with verifiable U.S. or international experience; good-driver and mature-driver discounts available when experience and MVR support it. Key Eligibility & Coverage Notes - Vehicles >20 years old: acceptable for liability only; physical damage not allowed unless all drivers qualify as Proposition 103 good drivers. - Physical damage and business/artisan-use vehicles: require four photos (all four flat sides) on file; pre‑existing damage is not acceptable for physical damage coverage. - No rideshare or delivery services permitted. - Only one vehicle eligible where designated in guide; no non‑owner policies available. - Named-operator‑only structure is referenced for physical damage policies. - Annual mileage must reflect actual usage; minimum rating mileage 16,000 miles per year. - Program includes optional/embedded features such as Triple Deductible Discount endorsement (applies to physical damage losses occurring in first 60 days after inception or after coverage gaps) and certain roadside benefits via Way+ Gold. Triple Deductible Discount may be removed per underwriting. Driver & Household Rules - All household members age 14+ (licensed or not), all registered owners, and anyone with regular access to the vehicle must be listed or formally excluded. Failure to disclose may result in claim denial. - Registered owner must be added as a driver or excluded; they may only be added as a driver if residing in the insured’s household. - International licenses are acceptable. Full international driving experience counts back to age 16. Matriculas, voter IDs, and foreign passports are acceptable photo IDs, with copies to be retained in file. - Good-driver discount eligibility requires minimum verifiable U.S. experience as specified in guide; Bridger runs MVRs at point of sale and a separate check to identify international drivers who also hold a CA license. Uprates occur when a California license is discovered after quoting on an international license. - Suspended/expired/no driver’s license: acceptable only with filing of SR‑22 where indicated; some SR‑22 filings (e.g., not for the named insured) are not acceptable. - Carrier stipulates that a California driver’s license will be required at renewal. Geographic Scope - Program and quick-reference guide are specific to California risks. Domestic licenses from anywhere in the U.S. are accepted, but the policy is written on a California auto form, with CA limits and Prop. 103 good‑driver rules. Discounts & Pricing Features - Good Driver Discount tiers and Mature Driver discounts applied to BI/PD and comp/collision per guide. - Triple Deductible Discount provides premium credit on comp/collision but subjects early claims (first 60 days, or after lapse/reinstatement or adding vehicles after a gap) to a triple deductible. Submission & Processing Requirements - All new business, endorsements, and payments must be processed through the InformIns point‑of‑sale system via Bridger’s website. - Brokers must retain in their file: signed application, all signed coverage waivers and exclusions, signed EFT forms, copies of all driver licenses (domestic and international), and vehicle registrations. - For any risk with physical damage, brokers must retain four clear photos showing all sides of each vehicle; photos can also be uploaded via InformIns, the Bridger App, or Underwriting Pix (link available from Underwriting/Customer Service). - MVRs are automatically run at point of sale; underwriting will uprate where undisclosed CA driving history is identified. Broker / Producer Notes - Access is via appointed brokers who use InformIns; direct consumer submissions are not supported. - For marketing, underwriting questions, or broker relations in California, use the listed state manager, sales VP, territory reps, or the BrokerRelations/Marketing email addresses on the guide. - Claims and customer service operate Monday–Friday 8:00 a.m.–5:30 p.m. PT; producers should direct insureds to the Bridger claims site or phone number as listed, and use BridgerIns.com policyholder portal for customer payment/service interactions. - Brokers are expected to keep household information current and to secure necessary signatures on all exclusions and waivers to avoid coverage disputes. Operational Takeaways - Treat Bridger Auto2 as a California non‑standard personal auto market that is flexible on driver history and licensing (including international), but strict on disclosure of household members, registered owners, and vehicle condition. - Avoid submitting: vehicles with pre‑existing damage needing comp/collision, rideshare/delivery risks, policies with undisclosed household drivers, or situations where registered owners cannot be listed or excluded. - Ensure full documentation (IDs, registrations, photos, signatures) is collected at point of sale and retained in agency files to meet Bridger’s audit and claims expectations.