Clear Blue Insurance Group
Clear Blue Insurance Group is a US property and casualty fronting carrier backed by Pinebrook Partners, providing issuing carrier infrastructure, reinsurance capacity, and a proprietary technology platform to 150 MGA partners across six specialty verticals, with $2.2 billion in Gross Written Premium.
- Company typePrivate
- Founded2018
- HeadquartersCharlotte, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Clear Blue Insurance Group does
Clear Blue Insurance Group is a US-domiciled property and casualty insurance fronting carrier group founded in 2018 and headquartered in Charlotte, North Carolina. The group operates through four wholly-owned, Texas-domiciled insurance subsidiaries (Clear Blue Insurance Company, Clear Blue Specialty Insurance Company, Rock Ridge Insurance Company, and Highlander Specialty Insurance Company) that collectively hold an AM Best A- (Excellent) rating with Financial Size Category IX and authority to write surplus lines in all US jurisdictions. Clear Blue is backed by Pinebrook Partners, a private equity firm managing over $6 billion in assets, which has provided the group with a pooled surplus exceeding $250 million.
The company serves as a B2B fronting carrier for Managing General Agents (MGAs), providing issuing carrier infrastructure, reinsurance capacity, underwriting oversight, and program management. Its core offering, branded "Clear Blue Solutions for MGA Excellence," runs on a proprietary technology platform featuring real-time dashboards, a reinsurance management system, and flexible data format integration that supports structured, semi-structured, and customized file ingestion. The platform provides MGAs and reinsurers with production and loss ratio analysis, transaction reporting, claims and premium reconciliation, and adherence-to-guideline monitoring. The group writes across six business verticals: Car Dealers and Open Lot, Trucking and Transportation, Construction and Artisan Contractors, Commercial Packages, Specialty Segments, and Habitational. It supports 40 active programs, 150 MGA partners, and 24 global reinsurance partners (including GenRe, Swiss Re, and RenRe), and has reported $2.2 billion in Gross Written Premium.
Revenue is generated primarily through fronting fees on insurance premiums written on behalf of MGAs, with the majority of risk ceded to reinsurance partners. The group employs 101-250 staff across offices in Charlotte, Dallas, and Guaynabo, Puerto Rico. In late 2025, Clear Blue expanded beyond commercial specialty by filing a California private passenger auto insurance program in partnership with MOTER Technologies (predictive driver risk analytics) and Sonatus (in-vehicle AI deployment), with a stated focus on green vehicles including the 2026 Sony Honda Mobility AFEELA EV.
Clear Blue Insurance Group firmographics
Firmographics- Name
- Clear Blue Insurance Group
- Legal name
- Clear Blue Insurance Group
- Website
- https://clearblueinsurancegroup.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Clear Blue Insurance Group is a US property and casualty fronting carrier backed by Pinebrook Partners, providing issuing carrier infrastructure, reinsurance capacity, and a proprietary technology platform to 150 MGA partners across six specialty verticals, with $2.2 billion in Gross Written Premium.
- Ownership category
- akta.pro rank
Clear Blue Insurance Group industry classification
Industry- Product category
- Specialty Insurance Fronting
- NAICS
- Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Hired & Non-Owned Auto (FSAJABAE)
Keywords
Where Clear Blue Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Charlotte
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Clear Blue Insurance Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premium Revenue: Clear Blue Insurance generates revenue through insurance premiums as a fronting carrier. The company writes programs across all classes of business through its US-domiciled property and casualty insurance companies, collecting premiums from policyholders and ceding portions to reinsurers.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Clear Blue Insurance Group product offering
Product offeringCore offering
Clear Blue Insurance Group operates as a US-domiciled Program Business fronting carrier, providing issuing carrier infrastructure, reinsurance capacity, and program management services to Managing General Agents (MGAs) writing specialty property and casualty insurance programs. The group writes business through four subsidiary insurance companies (CBIC, CBSIC, RRIC, HSIC) domiciled in Texas and operating nationwide across verticals such as car dealers, trucking, construction, commercial packages, and habitational.
Product overview
Clear Blue Insurance Group is a premier specialty insurance fronting carrier group operating as a single unified platform. The group consists of four subsidiary insurance companies (Clear Blue Insurance Company, Clear Blue Specialty Insurance Company, Rock Ridge Insurance Company, and Highlander Specialty Insurance Company), all domiciled in Texas and writing nationwide. The core offering, Clear Blue Solutions for MGA Excellence, provides a comprehensive platform with reinsurance platform capabilities and an MGA dashboard with advanced reporting and analytics. The group serves Managing General Agents across diverse business verticals including car dealers, trucking, construction, commercial packages, specialty segments, and habitational. Recent expansion includes filing for a new private passenger auto insurance program in California using MOTER's data-driven models with focus on green vehicles.
Differentiator
Problem solved
Functional benefit
Products and services
- Program Business Fronting Carrier Services B2B fronting carrier service that provides issuing carrier infrastructure, regulatory licensure, capital, and reinsurance capacity to Managing General Agents (MGAs) writing specialty property and casualty insurance programs in the US.
- Clear Blue Solutions for MGA Excellence Comprehensive partnership service for MGAs covering engagement and intake, underwriting guideline review, onboarding and due diligence, financial and actuarial analysis, and reinsurance implementation for specialty insurance programs.
- Specialty Insurance Programs by Vertical Specialty insurance programs tailored to specific business verticals including Car Dealers & Open Lot, Trucking & Transportation, Construction & Artisan Contractors, Commercial Packages, Specialty Segments, and Habitational, delivered through MGA partnerships.
Quantifiable outcome
- $2.2 billion in Gross Written Premium
- +2 more outcomes
Companies that use Clear Blue Insurance Group
Customer profileNamed customers9 records
Segments6 records
Ideal customer profiles2 records
Clear Blue Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature3 records
Clear Blue Insurance Group partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered major, flagship and core.
- MOTER TechnologiesmajorPartnership to integrate advanced driver risk analytics into vehicle computing systems for insurance underwriting. Clear Blue has filed to launch a new private passenger auto insurance program in California using MOTER's data-driven models, pending regulatory approval, with focus on green vehicles including the 2026 Sony Honda Mobility AFEELA EV.
- SonatusmajorPartnership to embed AI-driven driver risk models directly into vehicle computing systems. Sonatus provides standardized deployment layer enabling MOTER's models to run across multiple manufacturers without custom integrations, supporting Clear Blue's auto insurance program development.
- GenReflagshipOne of the world's largest reinsurers and a flagship reinsurance partner for Clear Blue Insurance Group, providing capacity for program business.
- Swiss ReflagshipGlobal reinsurance leader and flagship reinsurance partner providing capacity and risk transfer solutions for Clear Blue's insurance programs.
- RenReflagshipFlagship reinsurance partner providing capacity and reinsurance support for Clear Blue's program business operations.
- Topsail RemajorReinsurance partner providing capacity and risk management solutions for Clear Blue's insurance programs.
- Northern RemajorReinsurance partner supporting Clear Blue's program business with capacity and risk transfer.
- Bay Harbor RemajorReinsurance partner providing capacity for Clear Blue's specialty insurance programs.
- BritRemajorReinsurance partner supporting Clear Blue's program business with underwriting capacity.
- AM Specialty RemajorSpecialty reinsurance partner providing capacity for Clear Blue's insurance programs.
- Roosevelt RoadflagshipFlagship MGA partner in the Clear Blue program business network, offering specialty insurance products through Clear Blue's fronting capacity.
- OpenlyflagshipFlagship MGA partner offering specialty insurance programs through Clear Blue's fronting and reinsurance infrastructure.
- PRMflagshipFlagship MGA partner utilizing Clear Blue's fronting capacity for specialty insurance programs.
- ISGflagshipFlagship MGA partner in Clear Blue's program business network.
- FWCrumflagshipFlagship MGA partner leveraging Clear Blue's fronting capacity for insurance programs.
- RiskTheoryflagshipFlagship MGA partner in Clear Blue's program business network.
- One80flagshipFlagship MGA partner offering specialty insurance products through Clear Blue's fronting infrastructure.
- XPTflagshipFlagship MGA partner in Clear Blue's program business network.
- QEOflagshipFlagship MGA partner leveraging Clear Blue's fronting and reinsurance capacity.
- Digital SilkcoreDigital agency partnered with Clear Blue Insurance Group to redesign and re-architect its website to support long-term growth, compliance, and operational efficiency across multiple states. The project resulted in improved brand consistency, user experience, and system scalability.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Clear Blue Insurance Group competitors and assessment
Company assessmentDirect peers
- Skyward Specialty Insurance Group: Public specialty insurance platform writing commercial P&C through MGAs and program business with multi-subsidiary structure. Most direct public-market comparable to Clear Blue's fronting-and-program model.
- AmRisc: E&S commercial property MGA and program administrator writing specialty lines through carrier partners — a comparable specialty-program intermediary with carrier-relationship economics.
- Accelerant Holdings: PE-backed specialty insurance platform focused on empowering MGAs with capacity, data, and risk-sharing — overlapping directly with Clear Blue's MGA enablement and fronting model.
- Boca Group / Boca Insurance Holdings: Specialty program and fronting platform writing commercial specialty insurance through MGAs — direct comparable in structure, capital-light fronting model, and partner-network economics.
- Trisura Group: Specialty insurer with US fronting capabilities for MGAs and program business across surety, commercial, and specialty lines — comparable multi-class, multi-carrier structure.
- K2 Insurance Services: PE-backed MGA and program services platform providing underwriting, claims, and operational support to insurance programs — overlapping with Clear Blue's MGA-centric offering.
- Hudson Insurance Group: Specialty P&C carrier writing US business through MGAs and program administrators with multi-line capacity — directly comparable fronting and program-services model.
- CRC Group: Wholesale brokerage and program-management firm specializing in placing specialty and E&S business through carrier partners — adjacent but operates in distribution rather than as a carrier.
Emerging players
- SageSure: MGA-led specialty insurance platform focused on catastrophe-exposed and underserved homeowners risks; demonstrates the broader MGA-platform model Clear Blue operates within, though residential rather than commercial specialty.
Broad incumbents
- Nationwide E&S / Scottsdale Insurance: Large national carrier with a dedicated excess & surplus and specialty program business unit — provides scale incumbency comparison and a benchmark for program-business economics inside a broader carrier.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Clear Blue Insurance Group social profiles
Digital presenceClear Blue Insurance Group compliance and trust
Trust signalCompliance2 records
Clear Blue Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clear Blue Insurance Group leadership team
Management profileNumber of profiles
Profiles11 records
Clear Blue Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries4 records
Clear Blue Insurance Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clear Blue Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clear Blue Insurance Group
What does Clear Blue Insurance Group do?
Clear Blue Insurance Group operates as a US-domiciled Program Business fronting carrier, providing issuing carrier infrastructure, reinsurance capacity, and program management services to Managing General Agents (MGAs) writing specialty property and casualty insurance programs. The group writes business through four subsidiary insurance companies (CBIC, CBSIC, RRIC, HSIC) domiciled in Texas and operating nationwide across verticals such as car dealers, trucking, construction, commercial packages, and habitational.
Is Clear Blue Insurance Group a public or private company?
Clear Blue Insurance Group is a private company. It is classified as private equity controlled and is currently operating.
When was Clear Blue Insurance Group founded?
Clear Blue Insurance Group was founded in 2018. It employs 101 to 250 people.
Where is Clear Blue Insurance Group based?
Clear Blue Insurance Group is headquartered in Charlotte, United States, in the North America region.
How does Clear Blue Insurance Group make money?
One revenue line is on record: insurance Premium Revenue.
Who are Clear Blue Insurance Group's main competitors?
Direct peers on record are Skyward Specialty Insurance Group, AmRisc, Accelerant Holdings, Boca Group / Boca Insurance Holdings, Trisura Group, K2 Insurance Services, Hudson Insurance Group and CRC Group. SageSure is listed as an emerging player. Nationwide E&S / Scottsdale Insurance is listed as a broad incumbent.
Does Clear Blue Insurance Group have an API?
No public API is recorded for Clear Blue Insurance Group.
What industry is Clear Blue Insurance Group in?
Clear Blue Insurance Group's product category is Specialty Insurance Fronting. Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services, with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 5241 and its SIC code is 6399.