Bridge Insurance

What Does Bridge Insurance Mean?

Bridge insurance is a type of insurance that provides coverage for damage to bridges caused by events such as floods, fires, explosions, and other perils. However, it typically does not cover damage resulting from war, inherent defects, or natural wear and tear.

Insuranceopedia Explains Bridge Insurance

Since bridges are intended for public use, local government agencies are typically responsible for purchasing bridge insurance. Given that bridges are fully exposed and susceptible to various types of damage, such policies serve as a preventative measure to avoid the need for significant taxpayer funding for repairs in the event of major damage.

Bridge insurance falls under the broader category of commercial property insurance, which also covers buildings, contents, and stock owned by businesses and public entities. Because flooding is one of the most common causes of bridge damage, the policy overlaps in principle with flood insurance, though bridge policies are specifically structured around infrastructure rather than residential or commercial buildings.