FutureProof Technologies, a venture-backed InsurTech using artificial intelligence to overhaul property underwriting, has unveiled a new personal lines property insurance programme in partnership with Bridge Specialty Group, targeting excess and surplus lines condo and renters policies in catastrophe-exposed areas across the southeastern United States, including Florida and Texas.
The programme brings together FutureProof’s AI-powered underwriting and pricing technology, which automates risk decisions to deliver instant, bindable quotes, with the carrier capacity of Accelerant, a data-driven risk exchange platform for the specialty insurance market.
Bridge Specialty Group, a global insurance wholesale broker, will leverage its distribution network and carrier relationships to drive product sales and retail agent appointments, giving agencies access to both admitted and excess and surplus markets.
The collaboration is designed to address a significant coverage gap in regions where mainstream carriers have increasingly retreated due to severe weather exposure. Bridge Specialty Group will guide retail agencies from initial appointment through to policy placement, pairing its Personal Lines specialisation with wide market access to help agents navigate eligibility, coverage matching, and speed to quote in some of the country’s most underserved markets.
FutureProof’s technology platform handles the underwriting process end-to-end, using granular, property-level data to generate highly predictive real-time quotes. Since its MGA and agency launched in August 2024, the company has written over $1bn in total insurable value. Accelerant’s Risk Exchange provides the stable, long-term capacity the MGA needs to scale the programme, alongside data analytics infrastructure and operational support.
FutureProof operates as both a Managing General Agent and insurance agency, using AI to automate underwriting decisions and enable instant bindable quotes even for complex risks, while also creating incentives for property resilience. The company is backed by Silicon Valley and insurance sector investors including Innovation Endeavors and MS&AD Ventures.
FutureProof’s API-driven platform allows appointed agencies to receive instant quote indications, streamlining placement and giving brokers a new tool to serve clients in markets that have historically been difficult to place.
FutureProof Technologies co-founder and co-CEO Alisa Valderrama said, “Condo and renters policyholders in catastrophe-prone states like Florida and Texas are among the most underserved in the country. By partnering with Accelerant and Bridge, we can bring our AI-powered view of risk to a segment that has been largely underserved, delivering fast, accurately priced coverage to the people who need it most.”
Bridge Specialty Group chief operating officer Joe Failla said, “FutureProof has built something genuinely different.
“Their ability to deliver instant, AI-priced quotes on condo and renters coverage in Florida and Texas gives our retail brokers a competitive edge in markets where finding quality coverage can be challenging. Bridge will bring this capability to market through our wholesale Personal Lines platform, combining specialized agent support with broad market access to help agencies serve customers who are struggling to find options.”
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