Bridger has its roots in providing California auto insurance since 1974, and grew to become one of the state’s largest providers. When Bridger took over in 2017, it did so with the intent of continuing to build on a successful legacy.


Quite simply, we are bridging the past to the future through innovative insurance products and technology, designed for a new generation of users. Simplifying the transactional process of insurance and speed through which claims are filed is one of Bridger’s main goals.


With a broker network exceeding 1,500 locations, California auto insurance with Bridger is just around any corner. The company holds licenses in Arizona and Texas and is planning further expansion beginning in 2020.

what people say
about us

Follow us for updates

Our Team

Kimo Winterbottom

Chief Executive Officer

Gary “Kimo” Winterbottom is responsible for the strategic direction of the company, managing all of Bridger’s operating subsidiaries and all business development and capital raising activities. Kimo has acquired or launched 4 insurance companies and MGAs in the last 10 years, raising $80 million and producing an exited IRR of 37% between 2009 and 2017. Kimo holds a Bachelor of Arts in Economics from Santa Clara University and enjoys golf, skiing, contract bridge and rooting for his beloved San Francisco Giants.

Adam Litke


Adam manages technology and shares oversight for underwriting, claims, and finance at Bridger Insurance. In addition to his work at Bridger, Adam is a Lecturer in Financial Risk Management at Columbia University. Prior to joining Bridger, Adam was the designer and founder of Bloomberg’s Enterprise Risk Services business which built and sold managed software services for financial risk management to over 140 institutional clients. Adam holds a bachelors degree from Harvard and a masters degree from Columbia, both in mathematics. .

Matt Reznicek


Matt is jointly responsible for Bridger MGA’s product management, underwriting and claims operations. Prior to Bridger, Matt was Head of Product/Pricing at a regional auto insurance underwriting company through a period of topline growth from $100M to $300M. He also held Product Manager and Director, Emerging Markets roles at a publicly traded insurance company, leading efforts in Hispanic market expansion and direct to consumer sales. Matt earned a BA, Economics at Harvard College. Outside of work, Matt enjoys punting a football to his kids, chatting about Alabama football, and learning more about the universe..

Gerald Gruska


Gerry brings over 30 years of successful sales, marketing, and agency operations knowledge to the ever-changing Insurance industry. His understanding and expertise in building strong and profitable business relationships is well respected and acknowledged throughout many states in the insurance community. Gerry’s entrepreneurial spirit and understanding of the insurance market allows him to strategically support agents and companies with an enthusiastic and genuinely friendly attitude, that radiates a sincere passion for delivering value and benefits to his clients and coworkers. His drive to continually helping agents accomplish goals and benchmarks both personally and professionally best define his leadership abilities.

Musa Elshiek

Senior Software Developer

Musa has over 30 years’ experience in the information Technology field, big part of it in the insurance industry. Musa has led efforts in designing, programming and implementing a highly efficient Policy Processing System, generating over 1.6 billion Dollars in revenue. With Bridger passion for technology and innovation, Musa has teamed up with its IT staff in bringing forth leading edge technologies to help support and enhance our insurance platform. With the goal of making interacting, and doing business with Bridger, an effortlessness experience.

DeeDee Engel

Chief Administration Officer

DeeDee organizes and coordinates departmental operations, implements policies, develops process improvements and leads Human Resources that includes benefits administration, employee development, HR compliance and retention initiatives. DeeDee is also the Corporate Secretary and is responsible for all corporate matter that include managing all Board communication and logistics, maintaining the corporate records and ensuring that the corporation is complaint with all laws and regulations. Prior to Bridger, DeeDee was with SCJ insurance Services for 22 years as SCJ’s Director of HR and Corporate Administration.

Chris Ruyak, ARe

Executive Vice President

Chris is responsible for servicing the over 4000 broker offices within the Bridger distribution network for its Non-Standard Auto Insurance Programs. Chris has a reinsurance and insurance career that spans over 28 years and he has worked in all aspects of program administration; from issuing paper finding, program business reinsurance placement, MGA formation to distribution network management. Chris is a graduate of Boston College and holds a Bachelor of Arts degree in Mathematics and a minor in Theology. Chris resides in the Biggest Little City in the World, Reno, NV. He is an avid sports fan and supports BC sports and his son’s Alma Mater (May 2020), the USMA - West Point Black Knights as well. He enjoys spending time with his wife Angie and their 5 kids, reading, traveling, live concerts, playing softball twice a week (it would be 3 times a week if Angie would let him), and singing karaoke among other things.

Edward Mutch

Technology Product Manager

Edward Mutch is responsible for managing all technology projects from inception to completion. Most notably, he “quarterbacked” the development and release of Bridger’s Mobile App for brokers and insureds. Additional responsibilities include the development of all external marketing communications, broker training, and Bridger’s convention presence. Prior to joining Bridger, Edward owned and operated a digital marketing agency in Hoboken, NJ that serviced a wide range of clients. Edward holds a Bachelor of Science in Business Administration from Villanova University. He enjoys golfing, traveling and spending time with his wife and two children.