Boundless Rider Launches AI-Powered App to Lower Premiums, Promote Safety

The Safe Rider Program uses proprietary crash detection tech to provide real-time emergency response coordination in the event of an accident. Company expands coverage to Ohio.

(Image source: Boundless Rider home page.)

Boundless Rider Insurance Agency, LLC (Boston), a new InsurTech distributor focused on innovating and modernizing insurance for motorcycle and powersport riders, has announced the launch of its Safe Rider Program, which uses AI and telematics to enhance rider safety and put money back in their pockets when the vehicle is not in use, according to a statement from the company. The news coincides with Motorcycle Safety Awareness Month, which is commemorated each May to raise drivers’ awareness of motorcycles on the road and promote safety measures for riders. Additionally, the company announced that Boundless Rider policies are now available for purchase in Ohio, making it possible for owners of on-road and off-road motorcycles, ATVs, UTVs, snowmobiles, scooters, and mopeds to obtain coverage online via the Boundless Rider website or through agent partners.

In what it calls a first-of-its-kind implementation for the motorcycle insurance industry, Boundless Rider says its RIDE app features proprietary crash detection technology that connects to local 911 dispatch; a $100,000 death benefit to support the families of those lost to fatal motorcycle accidents; and AI that runs inside the app and automatically applies a 20 percent discount on the monthly insurance premium when the vehicle is used for less than 10 miles per month. Policyholders will automatically receive a 5 percent policy discount upon opting in to the Safe Rider Program and connecting the app to their policy. Boundless Rider says it is providing the families of riders with meaningful financial support when fatal accidents do occur by including a $100,000 death benefit for policyholders who are enrolled in the Safe Rider Program and have the app running at the time of the accident. The RIDE app is currently available for iOS and Android.

Blair Baldwin, Founder and CEO, Boundless Rider.

“Motorcyclists make up an outsized percentage of deadly accidents, accounting for 14 percent of all traffic fatalities even though motorcycles comprise just 3 percent of all registered vehicles in the United States. Riders are overdue to benefit from the technology and safety features that have long been available to drivers, like 911 emergency response coordination,” comments Blair Baldwin, founder and CEO, Boundless Rider. “We’ve spent the past two years building out the technology that underpins our Safe Rider Program and the benefits that can be unlocked by using the app. Most importantly, we’ve designed the product and customer experience especially for those we serve—the riders who trust us with their premiums to be there for them in their time of need.”

There are more than 9.8 million registered motorcycles in the U.S. as of 2021, per the U.S. Department of Transportation Federal Highway Administration, but motorcycle insurance is considered an ancillary line by most carriers and has not seen meaningful product innovation in decades, according to the Boundless Rider statement. The company says its key differentiator lies in its proprietary telematics tech stack, developed from approximately 3 billion trip miles, that has enabled the company to develop unique features and benefits from its inception.

Partner to Agents, Carriers and OEMs

As a digital MGA, Boundless Rider says it is striving to be the partner of choice for agents who need to write policies, carriers that want to offer a bundle without having to underwrite specialty vehicles, and OEMs that seek to integrate insurance into their offering. The company offers a combination of differentiated policy features and competitive pricing, plus the flexibility of a modern tech stack, to meet the needs of carriers, agents, manufacturers, and dealers. Boundless Rider’s agent portal enables agents to provide quotes for new and emerging powersport vehicle classes using its 30-second “quick quote” tool, as well as access specialized coverage offerings and multi-line discounts to match riders with the coverage they need.

Boundless Rider is currently available to riders in Texas, Arizona, Illinois and Ohio, with more states rolling out this year. All policies in Arizona, Illinois, and Ohio are underwritten by Incline Casualty Company (Austin, Texas); policies in Texas are underwritten by Redpoint County Mutual Insurance Company (Austin).

Boundless Rider Announces Availability of Motorcycle/Powersport Coverage in Illinois


Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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