What insurance products does Bridge Specialty Group specialize in?

Bridge Specialty Group specializes as a global insurance wholesaler and wholesale broker handling primary, excess, and excess & surplus (E&S) lines across a broad range of complex and specialty markets.

📊 Core Insurance Solutions & Practice Groups

• Property: Primary and excess commercial property, residential/coastal property, and UK/European property.
• Casualty: Primary and excess casualty, UK casualty, and general liability.
• Executive Risk & Professional Lines: Cyber liability, Directors & Officers (D&O), Errors & Omissions (E&O), professional indemnity, and financial institution lines.
• Personal Lines: High-net-worth homeowners, coastal/wildfire property, dwelling fire, watercraft, and collector cars.
• Specialized Industry Practices: Healthcare, life sciences, environmental/pollution risk, farm & ranch, energy (oil and gas), and inland/ocean marine.
• Public Entity & Transportation: Municipalities, schools, educational institutions, commercial trucking fleets, and motor transit.
• International & Specialty Markets: Lloyd’s broker specialist solutions, terrorism & political violence, crisis response, accident & health, and reinsurance treaty & facultative.

Bridge Specialty Group offers global wholesale and specialty insurance brokerage services, connecting retail insurance agents with over 300 admitted, excess and surplus (E&S) lines carriers and Lloyd's markets.

Core Insurance Offerings and Practice Groups

• Casualty: Primary and excess casualty coverage.
• Property: Commercial and excess property solutions via an extensive carrier network.
• Executive Risk & Professional Lines: Directors and officers (D&O), errors and omissions (E&O), and cyber liability.
• Healthcare: Risk solutions for long-term care, senior living, hospitals, and allied health facilities.
• Personal Lines: Homeowners (including coastal and high-value), flood, watercraft, and high net worth coverage.
• Transportation: Commercial auto, trucking fleets, motor truck cargo, and garage services.
• Specialty Lines: Environmental/pollution liability, energy (oil and gas), farm and ranch, marine, public entity, and workers' compensation.
• International Solutions: Lloyd's broker specialist solutions spanning terrorism and political violence, crisis response, and financial lines across over 70 countries.

The parent company of Bridge Specialty Group is Brown & Brown, Inc. (NYSE: BRO).

Company Details

• Parent Company: Brown & Brown, Inc., a major independent insurance brokerage firm based in Daytona Beach, Florida.
• Role: Bridge Specialty Group operates as a subsidiary and dedicated wholesale insurance brokerage division of Brown & Brown.

Bridge insurance coverage usually refers to temporary health insurance that "bridges" a gap in coverage, though it can also mean property insurance for physical bridges or supplemental medical gap plans.

Types of Bridge Insurance

• Bridge Health Plans (Awaiting Medicare): Short-term medical plans designed for older adults (typically ages 60–95), green card holders, or immigrants who are waiting to become eligible for Medicare. You can learn more about these via providers like Visitors Coverage.
• Medical Bridge (Gap) Insurance: Supplemental coverage for employees or individuals that helps pay for high out-of-pocket costs, such as deductibles, coinsurance, and hospital stays.
• State-Specific Programs (e.g., OHP Bridge): Government programs like the Oregon Health Plan Bridge that provide free or low-cost medical, dental, and behavioral health coverage for low-income adults who make slightly too much for traditional Medicaid.
• Physical Infrastructure Insurance: Specialty property insurance bought by government agencies or contractors to protect physical bridges and overpasses from damage during construction or maintenance caused by floods, fires, or explosions.

Specialty insurance provides customized protection for unique items, high-risk assets, and uncommon liabilities that standard home, auto, or business policies exclude.

Personal Specialty Insurance

• Recreational and Vintage Vehicles: Covers items like classic car insurance, RVs, boats, jet skis, ATVs, and snowmobiles.
• High-Value Valuables: Protects expensive jewelry, fine art, rare firearms, and musical instruments that exceed standard homeowners policy limits.
• Property Hazards: Adds protection for specific environmental threats like flood insurance.
• Special Events: Covers short-term liability or cancellation risks for events like weddings.

Commercial Specialty Insurance

• Professional Liability: Protects service providers against claims of errors, omissions, or negligent advice (Errors and Omissions or E&O).
• Cyber Liability: Covers digital threats, data breaches, and ransomware attacks.
• Directors and Officers (D&O): Protects management leadership from personal losses arising from legal actions related to their corporate decisions.
• Industry-Specific Risks: Tailors coverage for unique sectors like aviation, film production, cannabis operations, and green energy.