BOUNDLESS RIDER
Specialty motorcycle and powersport insurance built for riders, not drivers
Overview
Boundless Rider is a digital managing general agent (MGA) and wholly-owned subsidiary of MileUp, Inc., focused exclusively on specialty insurance for motorcycle, powersport, and e-bike riders. Founded in 2021 by Blair Baldwin, the company was built to address a longstanding coverage gap for the approximately 20 million active riders of motorcycles, ATVs, UTVs, e-bikes, and snowmobiles in the United States -- a market largely underserved by traditional auto insurers.
The company combines deep powersport insurance expertise with a proprietary technology platform to deliver tailored products, a rider-centric claims experience, and innovative tools for agents. Boundless Rider has expanded steadily from its Texas launch in August 2023 to five states as of late 2024, with continued geographic expansion planned.
Boundless Rider has been recognized by TechCrunch, Forbes, Fortune, Axios, AM Best, and Motorcycle Product News, reflecting its position as a leading insurtech innovator in the specialty vehicle insurance segment.
Products & Services
Motorcycle Insurance
Coverage for on-road and off-road motorcycles, dual-sport bikes, and scooters/mopeds, designed around rider needs rather than standard auto policy frameworks.
Key Features
- On-road and off-road motorcycle coverage
- Scooter and moped policies
- Dual-sport motorcycle policies
- Optional coverage enhancements not available from standard auto carriers
Target Users: Motorcycle riders across all experience levels seeking specialist coverage
Distribution: Independent agents and direct digital channel
Powersport Insurance
Dedicated coverage for recreational powersport vehicles often excluded or underserved by standard personal auto policies.
Key Features
- ATV and UTV coverage
- Snowmobile insurance
- Coverage for off-road use
Target Users: Owners of ATVs, UTVs, and snowmobiles seeking purpose-built coverage
Distribution: Independent agents and direct digital channel
E-Bike Insurance
Standalone e-bike insurance addressing a coverage category that falls between standard auto and homeowners policies.
Key Features
- Electric bicycle coverage
- Theft and damage protection specific to e-bikes
Target Users: E-bike owners seeking dedicated coverage
Distribution: Independent agents and direct digital channel
Safe Rider Program (RIDE App)
An AI-powered telematics program launched in May 2024, representing the motorcycle insurance industry's first AI-powered app designed to lower premiums and promote rider safety.
Key Features
- Proprietary crash detection with automatic 911 dispatch integration
- USD 100,000 death benefit for enrolled policyholders
- 20% automatic discount when vehicle usage is under 10 miles per month
- 5% base discount for program enrollment
- Built on a proprietary tech stack trained on approximately 3 billion trip miles
Target Users: All Boundless Rider policyholders
Distribution: Mobile app (iOS and Android), included with all policies
Missing Moto Program
An agent-facing data tool launched in October 2024 that identifies untapped motorcycle and powersport policy opportunities within an agent's existing book of business.
Key Features
- Data-driven identification of registered motorcycles and powersport vehicles insured elsewhere in an agent's client book
- On average reveals 2-3 missed opportunities per existing motorcycle policy
- Includes customizable marketing materials, referral programs, and ad drafts
Target Users: Independent insurance agents
Distribution: Agent marketing tool, available to appointed agents
At a Glance
- Founded
- 2021
- Headquarters
- Medford, Massachusetts
- Employees
- 11-50
Category & Focus
Links
Last updated: 2026-05-11