Bunker

Bunker is an insurtech company founded in 2015 and headquartered in San Francisco, California, specializing in business insurance for independent contractors, 1099 workers, staffing firms, and small businesses in the gig economy. The company provides a digital-first brokerage and marketplace platform where businesses can obtain bindable insurance quotes, purchase coverage, manage certificates of insurance, and share proof of coverage in minutes — replacing weeks-long traditional brokerage processes. Bunker offers a broad range of commercial insurance products including general liability, professional liability (E&O), business owner policies, workers' compensation, commercial auto, commercial umbrella, and commercial property, sourced from major national carriers including Chubb. Its signature product, Usage-Based Insurance (UBI) — developed in partnership with Chubb — allows independent professionals and small businesses to purchase short-term policies matching the length of a specific contract (3–16 months), with monthly payments starting at $21/month. Bunker serves over 22,000 clients with a 98% retention rate and an "Excellent" Trustpilot rating from over 800 reviews. The company operates a client portal for managing coverage, reporting claims, tracking subcontractor certificates of insurance, and downloading policy documents.