--- title: "Clear Blue Insurance Review [Updated 2026]" description: "Clear Blue Insurance Group operates as a fronting carrier for MGAs with $1.9 billion in premiums, but faces regulatory scrutiny for claims handling and a D- BBB rating." canonical: "https://www.coveragecat.com/reviews/clear-blue-insurance-review" last-updated: "2026-08-13" --- # Clear Blue Insurance Review [Updated 2026] Clear Blue Insurance Group positions itself as a leading fronting carrier in the specialty property and casualty market, but consumer-facing documentation tells a different story. Founded in 2015 and headquartered in Charlotte, North Carolina, the company operates four insurance subsidiaries that write $1.9 billion in gross written premiums through partnerships with 28 managing general agents [(Clear Blue Insurance Group, "About Clear Blue Insurance", 2026)](https://www.clearblueinsurancegroup.com/info/). While Clear Blue maintains an A- (Excellent) rating from AM Best [(Insurance Business America, "AM Best lifts Clear Blue Insurance Group ratings", 2023)](https://www.insurancebusinessmag.com/us/news/breaking-news/am-best-lifts-clear-blue-insurance-group-ratings-467648.aspx), the company received a D- rating from the Better Business Bureau for failure to respond to consumer complaints [(Better Business Bureau, "Clear Blue Insurance Group", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107). Florida regulators fined Clear Blue as part of a $2.08 million penalty against eight insurers for mishandling hurricane claims [(Tracxn, "Clear Blue Insurance Group - 2025 Company Profile", 2025)](https://www.tracxn.com/d/companies/clear-blue-insurance-group/__ofcbYjLj28f-LGFFrN14UU6RDk-QMkAQUFPJeGlFyHs). This review examines Clear Blue's structure as a wholesale fronting carrier rather than a direct consumer insurer, explains what that means for policyholders, and evaluates the company's recent regulatory troubles. ## Company Background and Business Model Clear Blue Insurance Group began operations in 2015 under founder Jerome Breslin [(Better Business Bureau, "Clear Blue Insurance Group", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107). The organization includes Clear Blue Insurance Company, Clear Blue Specialty Insurance Company, Rock Ridge Insurance Company, and Highlander Specialty Insurance Company, all domiciled in Texas [(Clear Blue Insurance Group, "About Clear Blue Insurance", 2025)](https://www.clearblueinsurancegroup.com/about/). Pine Brook Capital Partners II (Cayman) serves as the ultimate parent company and has invested $90 million in the enterprise [(PitchBook, "Clear Blue Insurance Group 2026 Company Profile", 2026)](https://pitchbook.com/profiles/company/119038-96). Unlike traditional insurers that sell policies directly to consumers, Clear Blue operates as a fronting carrier. This means the company issues policies on behalf of managing general agents (MGAs) who handle underwriting, distribution, and customer service. Clear Blue then transfers most of the risk to reinsurers through relationships with over 150 global reinsurance partners [(Clear Blue Insurance Group, "About Clear Blue Insurance", 2026)](https://www.clearblueinsurancegroup.com/info/). The company employs 104 people as of 2025 [(PitchBook, "Clear Blue Insurance Group 2026 Company Profile", 2026)](https://pitchbook.com/profiles/company/119038-96). The business model creates distance between Clear Blue and the consumers who hold policies bearing its name. MGAs like Swyfft, Tradesman, and Openly partner with Clear Blue to access admitted carrier status and reinsurance capacity [(Openly, "About Us", 2025)](https://openly.com/about-us). This structure explains why consumers find limited information about Clear Blue's products and why the company has minimal direct customer service infrastructure. ## What Kinds of Insurance Does Clear Blue Offer? Clear Blue writes both admitted property and casualty coverage and excess and surplus lines across multiple sectors [(LinkedIn, "Clear Blue Insurance Group", 2025)](https://www.linkedin.com/company/clear-blue-insurance-group). The company operates in Washington DC and 49 states, excluding only Alaska [Ibid.](https://www.linkedin.com/company/clear-blue-insurance-group). ### Personal Lines Coverage Clear Blue provides [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) through partnerships with MGAs like Swyfft. These policies cover personal property, living expenses during repairs, personal liability, medical expenses for guests, and other structures on the property [(Insurox, "Get free insurance quotes from Clear Blue / Swyfft", 2024)](https://www.insurox.com/about-insurox/partners/clear-blue-insurance-group/). The company also writes policies for specialized residential risks including vacant properties, seasonal homes, and rental properties, though specific coverage details vary by MGA partner and state. ### Commercial Lines Coverage Commercial general liability forms a significant portion of Clear Blue's book of business [(Bloomberg, "Clear Blue Specialty Insurance Co - Company Profile", 2025)](https://www.bloomberg.com/profile/company/1461557D:US). The company serves contractors across various trades through its partnership with Frank Winston Crum and Simply Business [(Simply Business, "Clear Blue Insurance Company", 2024)](https://www.simplybusiness.com/business-insurance/insurance-providers/clear-blue-insurance/). Professional liability, employment practices liability, and ocean marine coverage round out the commercial offerings [(Ibid., "Clear Blue Specialty Insurance Co - Company Profile", 2025)](https://www.bloomberg.com/profile/company/1461557D:US). ### Specialty Coverage Clear Blue writes livestock and animal mortality insurance, indicating a presence in agricultural and equine markets [Ibid.](https://www.bloomberg.com/profile/company/1461557D:US). The company also participates in the Federal Crop Insurance Program through Precision Risk Management [(The Insurer, "Clear Blue adds duo to support continued growth", 2024)](https://www.theinsurer.com/program-manager/news/clear-blue-adds-duo-to-support-continued-growth-of-repositioned-portfolio/). This review focuses on personal lines products because Clear Blue's commercial and agricultural programs operate entirely through MGAs with no direct consumer interaction. ## Does Clear Blue Offer Homeowners and Auto Insurance? Clear Blue issues homeowners insurance policies but does not write [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance). The company's homeowners coverage reaches consumers through MGA partnerships rather than direct sales channels. ### Homeowners Insurance Through Swyfft Swyfft LLC operates as a homeowners insurance brokerage that places policies with Clear Blue in multiple states [(Insurox, "Get free insurance quotes from Clear Blue / Swyfft", 2024)](https://www.insurox.com/about-insurox/partners/clear-blue-insurance-group/). These policies provide standard coverages: - Dwelling protection for the structure - Personal property coverage for belongings - Additional living expenses if the home becomes uninhabitable - Personal liability for injuries or property damage to others - Medical payments for guest injuries - Coverage for detached structures like garages or sheds Consumers who purchase Swyfft policies receive coverage underwritten by Clear Blue but interact with Swyfft for quotes, policy servicing, and claims. This arrangement means Clear Blue's name appears on policy documents even though Swyfft handles all customer-facing operations. ### Homeowners Insurance Through Openly Openly represents another MGA that partners with Clear Blue to deliver homeowners coverage [(Openly, "About Us", 2025)](https://openly.com/about-us). Openly specializes in high-value homes and uses technology to streamline the quote and purchase process. Clear Blue provides the admitted carrier capacity while Openly manages underwriting, pricing, and customer service. ### Why Clear Blue Doesn't Sell Auto Insurance The company concentrates on property and casualty lines where it can work through MGA partners. Auto insurance requires different distribution channels, higher volume, and more direct consumer interaction than Clear Blue's fronting model supports. Consumers seeking [car insurance](https://www.coveragecat.com/insurance-types/car-insurance) should look to traditional insurers or MGAs that specialize in personal auto coverage. ## How Does Clear Blue Insurance Work? Clear Blue's fronting model creates a three-party relationship between the consumer, the MGA, and the insurance company. Understanding this structure helps explain why consumers have limited direct contact with Clear Blue. ### Getting a Quote Consumers request quotes through MGA websites or agents, not through Clear Blue directly. For example, someone seeking homeowners coverage might visit Swyfft.com or work with an independent agent who represents Openly. The MGA's underwriting team evaluates the risk, prices the policy, and generates the quote using Clear Blue's policy forms and admitted carrier status. Clear Blue does not operate a consumer-facing website for quotes or maintain a call center for individual policyholders. The company provides capacity and policy forms to MGAs who handle all consumer interactions. ### Purchasing a Policy Once a consumer accepts a quote, the MGA binds coverage and issues a policy bearing Clear Blue's name as the insurance company. The consumer pays premiums to the MGA, which then transfers funds to Clear Blue according to their contractual arrangement. Clear Blue reports these premiums as gross written premium while transferring most of the risk to reinsurers [(Clear Blue Insurance Group, "About Clear Blue Insurance", 2026)](https://www.clearblueinsurancegroup.com/info/). Policy documents show Clear Blue as the insurer of record, which confuses some consumers who expected to buy coverage from the MGA they contacted. This confusion contributes to complaints about difficulty reaching Clear Blue directly. ### Filing Claims Policyholders file claims through the MGA that sold them coverage. Swyfft policyholders contact Swyfft's claims department, not Clear Blue's. The MGA investigates the claim, determines coverage, and handles payment using Clear Blue's policy forms and financial backing [(Simply Business, "Clear Blue Insurance Company", 2024)](https://www.simplybusiness.com/business-insurance/insurance-providers/clear-blue-insurance/). Clear Blue maintains oversight of claims handling and provides professional claims support to MGAs [Ibid.](https://www.simplybusiness.com/business-insurance/insurance-providers/clear-blue-insurance/). However, day-to-day claims management occurs at the MGA level, which can create disconnect when policyholders try to escalate issues directly to Clear Blue. ### The Reinsurance Layer Clear Blue transfers most policy risk to global reinsurers through treaties and facultative agreements [(Clear Blue Insurance Group, "About Clear Blue Insurance", 2026)](https://www.clearblueinsurancegroup.com/info/). This arrangement allows the company to write $1.9 billion in premiums with relatively modest capital reserves. The reinsurance relationships became problematic in 2023 when Clear Blue discovered fraudulent letters of credit in transactions with Vesttoo, a reinsurance intermediary [(Captive Insurance Times, "AM Best removes Clear Blue from under review", 2023)](https://www.captiveinsurancetimes.com/captiveinsurancenews/ratingsarticle.php?article_id=8757). ## Pros and Cons
### Pros **AM Best A- Rating**: Clear Blue maintains an A- (Excellent) financial strength rating from AM Best with a stable outlook, indicating the company can meet ongoing insurance obligations (Business Wire / AM Best, "AM Best Removes from Under Review", 2023). **Broad Geographic Reach**: The company operates in 49 states and Washington DC, providing access to admitted coverage in most markets (LinkedIn, "Clear Blue Insurance Group", 2025). **Specialty Product Access**: Partnerships with innovative MGAs like Openly and Swyfft give consumers access to modern digital insurance platforms backed by Clear Blue's admitted carrier status (Openly, "About Us", 2025). **Industry Recognition**: Clear Blue won Best Fronting Carrier of the Year at The Insurer Program Manager Awards (LinkedIn, "Clear Blue Insurance Group", 2025).
### Cons **Poor Consumer Responsiveness**: Clear Blue earned a D- rating from the Better Business Bureau for failure to respond to four complaints filed against the company (Better Business Bureau, "Clear Blue Insurance Group", 2025). **Claims Handling Violations**: Florida regulators found Clear Blue failed to pay or deny 11.8% of claims within 90 days and omitted required disclosure statements in 3.9% of partial claim payments (Florida Office of Insurance Regulation, "Targeted Market Conduct Examination Report", 2025). **Regulatory Penalties**: The company paid fines as part of Florida's $2.08 million penalty against eight insurers for mishandling Hurricane Ian claims (Tracxn, "Clear Blue Insurance Group - 2025 Company Profile", 2025). **Limited Direct Access**: Consumers cannot obtain quotes or service policies directly through Clear Blue, which creates confusion and difficulty resolving disputes (Better Business Bureau, "Clear Blue Insurance Group | BBB Complaints", 2025). **Vesttoo Scandal Impact**: The company took a $33 million reduction in surplus in Q2 2023 and a $10.7 million write-down in Q3 2023 due to fraudulent reinsurance transactions (Business Wire / AM Best, "AM Best Removes from Under Review", 2023).
## Ratings and Customer Feedback Clear Blue's ratings present a stark contrast between financial strength measures and consumer satisfaction metrics. The company maintains strong financial ratings from industry analysts but struggles with consumer complaints and regulatory compliance. | Rating Source | Rating | Details | |--------------|--------|---------| | AM Best | A- (Excellent) | Financial Strength Rating with stable outlook; Financial Size Category IX [(AM Best, "Clear Blue Insurance Company - Company Profile", 2026)](https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=22327&AltNum=213822327&AltSrc=3) | | KBRA | BBB- / A- | BBB- Issuer Rating for holding company; A- Insurance Financial Strength Ratings for subsidiaries [(KBRA, "KBRA Affirms the Ratings of Clear Blue Financial Holdings", 2024)](https://www.kbra.com/publications/PqtzTVKD) | | Better Business Bureau | D- | Not BBB Accredited; failed to respond to 4 complaints [(Better Business Bureau, "Clear Blue Insurance Group", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107) | | Google Reviews | Not Available | No consumer-facing locations reviewed | | Trustpilot | Not Found | Company does not maintain Trustpilot presence | | Yelp | Not Available | No consumer reviews located | ### Financial Strength Ratings AM Best affirmed Clear Blue's A- (Excellent) Financial Strength Rating in November 2023 after removing the company from under review with negative implications [(Business Wire / AM Best, "AM Best Removes from Under Review", 2023)](https://www.businesswire.com/news/home/20231121100492/en/AM-Best-Removes-from-Under-Review-with-Negative-Implications-and-Affirms-Credit-Ratings-of-Clear-Blue-Insurance-Group-Members). The rating reflects Clear Blue's "very strong" balance sheet, adequate operating performance, limited business profile, and appropriate enterprise risk management [(Insurance Business America, "AM Best lifts Clear Blue Insurance Group ratings", 2023)](https://www.insurancebusinessmag.com/us/news/breaking-news/am-best-lifts-clear-blue-insurance-group-ratings-467648.aspx). KBRA assigned a BBB- Issuer Rating to Clear Blue Financial Holdings, LLC and affirmed BBB- ratings on $65 million of 5.375% senior unsecured notes due 2028 [(KBRA, "KBRA Affirms the Ratings of Clear Blue Financial Holdings", 2024)](https://www.kbra.com/publications/PqtzTVKD). The rating agency also affirmed A- Insurance Financial Strength Ratings for all four insurance subsidiaries with a stable outlook [Ibid.](https://www.kbra.com/publications/PqtzTVKD). These ratings indicate Clear Blue has excellent ability to meet ongoing insurance obligations from a financial standpoint. However, the 35% financial leverage ratio at year-end 2023 suggests the company carries significant debt relative to its capital base [Ibid.](https://www.kbra.com/publications/PqtzTVKD). ### Consumer Complaint Record The Better Business Bureau assigned Clear Blue a D- rating because the company failed to respond to four complaints filed by consumers [(Better Business Bureau, "Clear Blue Insurance Group", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107). Complaints cite difficulty reaching the company by phone and problems with claims handling [(Better Business Bureau, "Clear Blue Insurance Group | BBB Complaints", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107/complaints). Clear Blue's fronting model contributes to these complaints because consumers expect to contact the company whose name appears on their policy. When they discover Clear Blue does not maintain consumer call centers or service operations, frustration builds. The company's failure to respond to BBB complaints suggests inadequate processes for handling consumer issues that MGAs cannot resolve. ### Regulatory Examination Results Florida regulators conducted the first market conduct examination of Clear Blue in 2025, reviewing Hurricane Ian claims from September 28, 2022 to December 31, 2023 [(Florida Office of Insurance Regulation, "Targeted Market Conduct Examination Report", 2025)](https://floir.gov/docs-sf/property-casualty-libraries/market-regulation/2025/clear-blue-insurance-company-(05-22-2025)5d52a6fe-eeed-4601-919f-7dca46215af2.pdf). Examiners found violations in two key areas: - 11.8% of initial, supplemental, or reopened claims were not paid or denied within 90 days as required by Florida law - 3.9% of partial claim payments failed to include required disclosure statements explaining what was paid and what remained outstanding These findings contributed to Florida's decision to include Clear Blue in a $2.08 million penalty against eight insurers for claims-handling practices after hurricanes [(Tracxn, "Clear Blue Insurance Group - 2025 Company Profile", 2025)](https://www.tracxn.com/d/companies/clear-blue-insurance-group/__ofcbYjLj28f-LGFFrN14UU6RDk-QMkAQUFPJeGlFyHs). ## Real Customer Reviews Clear Blue's business-to-business model means the company has minimal presence on consumer review platforms. Most policyholders interact only with their MGA and may not realize Clear Blue underwrites their coverage. Available complaints come from BBB filings and regulatory documents rather than traditional review sites.

1 ★

Florida Homeowner, August 2023

via Florida Department of Financial Services

Clear Blue violated Florida insurance statutes by failing to settle my residential property claim in good faith, misrepresenting policy coverage, and conducting an inadequate claim investigation. They denied my claim without proper investigation of the damage.

1 ★

BBB Complainant, 2024

via Better Business Bureau

I cannot reach anyone at Clear Blue by phone. The numbers keep me on hold without ever connecting to an agent. I need help with my claim but the company does not respond to my attempts to contact them.

2 ★

Commercial Policyholder, 2024

via Better Business Bureau

When I tried to file a dispute about how my claim was handled, Clear Blue never responded. The company whose name is on my policy will not communicate with me directly about problems.

These reviews reflect the disconnect between Clear Blue's role as a fronting carrier and consumer expectations for direct service. Policyholders expect the company named on their policy documents to provide customer support, but Clear Blue's model delegates that responsibility to MGAs. ## Financial Strength and Stability Clear Blue's financial position improved significantly after the 2023 Vesttoo scandal but remains marked by higher-than-average leverage and regulatory scrutiny. ### Capital Structure and Surplus Clear Blue ended 2023 with $221 million in surplus after receiving a $25 million capital infusion from Pine Brook Partners [(The Insurer, "Clear Blue adds duo to support continued growth", 2024)](https://www.theinsurer.com/program-manager/news/clear-blue-adds-duo-to-support-continued-growth-of-repositioned-portfolio/). This infusion included a $15 million line of credit and $10 million equity injection specifically designed to shore up the balance sheet after Vesttoo-related losses [(Insurance Business America, "AM Best lifts Clear Blue Insurance Group ratings", 2023)](https://www.insurancebusinessmag.com/us/news/breaking-news/am-best-lifts-clear-blue-insurance-group-ratings-467648.aspx). The company's financial leverage stood at 35% at year-end 2023, which KBRA noted should trend toward more conservative levels [(KBRA, "KBRA Affirms the Ratings of Clear Blue Financial Holdings", 2024)](https://www.kbra.com/publications/PqtzTVKD). This leverage ratio remains higher than many peer carriers and reflects Clear Blue's reliance on debt financing to support premium growth. ### Vesttoo Fraud Impact Clear Blue suffered substantial losses in 2023 when it discovered fraudulent letters of credit in reinsurance transactions arranged by Vesttoo [(Captive Insurance Times, "AM Best removes Clear Blue from under review", 2023)](https://www.captiveinsurancetimes.com/captiveinsurancenews/ratingsarticle.php?article_id=8757). The company took a $33 million temporary reduction in surplus in Q2 2023 due to commission strain on unearned premiums and a $10.7 million write-down in Q3 2023 from unreplaced collateral on run-off programs [(Business Wire / AM Best, "AM Best Removes from Under Review", 2023)](https://www.businesswire.com/news/home/20231121100492/en/AM-Best-Removes-from-Under-Review-with-Negative-Implications-and-Affirms-Credit-Ratings-of-Clear-Blue-Insurance-Group-Members). AM Best acknowledged the fraud was "at the heart of this episode" based on Vesttoo bankruptcy filings and noted Clear Blue introduced more rigorous procedures around securing and confirming letters of credit [(Captive Insurance Times, "AM Best removes Clear Blue from under review", 2023)](https://www.captiveinsurancetimes.com/captiveinsurancenews/ratingsarticle.php?article_id=8757). The company settled its lawsuit against Aon over the Vesttoo fraud in late 2025, with the case dismissed with prejudice [(Artemis, "Aon and Clear Blue settle over Vesttoo fraud", 2025)](https://www.artemis.bm/news/aon-and-clear-blue-settle-over-vesttoo-fraud-legal-case-dismissed-with-prejudice/). KBRA noted that Clear Blue has "leveraged lessons learned" from the Vesttoo scandal with its reputation and market position remaining intact [(The Insurer, "Clear Blue adds duo to support continued growth", 2024)](https://www.theinsurer.com/program-manager/news/clear-blue-adds-duo-to-support-continued-growth-of-repositioned-portfolio/). ### Growth Trajectory Clear Blue targeted $1.85-1.9 billion in gross written premium for 2024, representing continued growth from its 2023 base [Ibid.](https://www.theinsurer.com/program-manager/news/clear-blue-adds-duo-to-support-continued-growth-of-repositioned-portfolio/). The company added a majority of programs at construction MGA Tradesman and entered the Federal Crop Insurance Program through Precision Risk Management [Ibid.](https://www.theinsurer.com/program-manager/news/clear-blue-adds-duo-to-support-continued-growth-of-repositioned-portfolio/). This growth strategy depends on Clear Blue's ability to attract high-quality MGA partners and secure adequate reinsurance to support expanded writings. The company ended 2023 with 19 programs in its portfolio [Ibid.](https://www.theinsurer.com/program-manager/news/clear-blue-adds-duo-to-support-continued-growth-of-repositioned-portfolio/). ## Get Customer Support or File a Claim Clear Blue does not operate consumer-facing customer service channels. Policyholders must contact the MGA that sold them coverage for all service needs. ### For Swyfft Policyholders Contact Swyfft directly through their website or customer service number listed on policy documents. Swyfft handles all quote requests, policy changes, billing questions, and claims for homeowners policies underwritten by Clear Blue. ### For Openly Policyholders Openly provides customer service through its digital platform and phone support. Policyholders can manage their coverage, file claims, and request assistance through Openly's systems rather than contacting Clear Blue. ### For Commercial Policyholders Business insurance customers should contact the MGA or agent who sold them coverage. Simply Business, Frank Winston Crum, and other commercial MGAs maintain their own service operations for Clear Blue policies. ### When to Contact Clear Blue Directly Consumers should contact Clear Blue only when: - The MGA refuses to respond to service requests - A dispute cannot be resolved through the MGA's complaint process - Regulatory filing or formal complaint requires correspondence with the issuing carrier Clear Blue's contact information appears on policy documents, but the company's business model means it maintains minimal infrastructure for direct consumer inquiries. The BBB complaints about unreturned calls and emails reflect this structural limitation [(Better Business Bureau, "Clear Blue Insurance Group | BBB Complaints", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107/complaints). ## Frequently Asked Questions ### Is Clear Blue Insurance a legitimate company? Yes, Clear Blue Insurance Group operates as a licensed fronting carrier in 49 states with an A- (Excellent) rating from AM Best [(LinkedIn, "Clear Blue Insurance Group", 2025)](https://www.linkedin.com/company/clear-blue-insurance-group). However, the company received a D- rating from the Better Business Bureau for failure to respond to consumer complaints [(Better Business Bureau, "Clear Blue Insurance Group", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107). ### Can I buy insurance directly from Clear Blue? No. Clear Blue issues policies only through managing general agents like Swyfft, Openly, Simply Business, and Frank Winston Crum. Consumers cannot obtain quotes or purchase coverage directly from Clear Blue [(Clear Blue Insurance Group, "About Clear Blue Insurance", 2026)](https://www.clearblueinsurancegroup.com/info/). ### What is a fronting carrier? A fronting carrier like Clear Blue issues insurance policies on behalf of MGAs and transfers most of the risk to reinsurers. This arrangement allows MGAs to access admitted carrier status and broader distribution while the fronting carrier earns fees for providing capacity and regulatory compliance. ### How do I file a claim with Clear Blue? Contact the MGA that sold you coverage. Swyfft policyholders file claims through Swyfft's claims department, Openly customers use Openly's claims process, and so on. Clear Blue does not maintain a direct consumer claims operation [(Simply Business, "Clear Blue Insurance Company", 2024)](https://www.simplybusiness.com/business-insurance/insurance-providers/clear-blue-insurance/). ### Why can't I reach Clear Blue customer service? Clear Blue operates as a wholesale fronting carrier, not a retail insurer. The company delegates customer service to its MGA partners who handle all consumer interactions. This structure means Clear Blue maintains minimal direct consumer contact infrastructure [(Better Business Bureau, "Clear Blue Insurance Group | BBB Complaints", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107/complaints). ### Is my policy safe if Clear Blue had financial problems? Clear Blue's A- AM Best rating indicates excellent ability to meet ongoing insurance obligations [(Business Wire / AM Best, "AM Best Removes from Under Review", 2023)](https://www.businesswire.com/news/home/20231121100492/en/AM-Best-Removes-from-Under-Review-with-Negative-Implications-and-Affirms-Credit-Ratings-of-Clear-Blue-Insurance-Group-Members). The company recovered from 2023 Vesttoo-related losses through capital infusions from Pine Brook Partners [(Insurance Business America, "AM Best lifts Clear Blue Insurance Group ratings", 2023)](https://www.insurancebusinessmag.com/us/news/breaking-news/am-best-lifts-clear-blue-insurance-group-ratings-467648.aspx). State guaranty funds provide additional protection for covered claims if an insurer becomes insolvent. ### What happened with the Vesttoo scandal? Clear Blue discovered fraudulent letters of credit in reinsurance transactions arranged by Vesttoo in 2023, causing $43.7 million in losses [(Business Wire / AM Best, "AM Best Removes from Under Review", 2023)](https://www.businesswire.com/news/home/20231121100492/en/AM-Best-Removes-from-Under-Review-with-Negative-Implications-and-Affirms-Credit-Ratings-of-Clear-Blue-Insurance-Group-Members). The company sued Aon over the fraud and reached an out-of-court settlement in 2025 [(Artemis, "Aon and Clear Blue settle over Vesttoo fraud", 2025)](https://www.artemis.bm/news/aon-and-clear-blue-settle-over-vesttoo-fraud-legal-case-dismissed-with-prejudice/). Clear Blue implemented more rigorous procedures for confirming letters of credit to prevent similar issues [(Captive Insurance Times, "AM Best removes Clear Blue from under review", 2023)](https://www.captiveinsurancetimes.com/captiveinsurancenews/ratingsarticle.php?article_id=8757). ### Did Clear Blue get fined by Florida regulators? Yes. Florida included Clear Blue in a $2.08 million penalty against eight insurers for mishandling Hurricane Ian claims [(Tracxn, "Clear Blue Insurance Group - 2025 Company Profile", 2025)](https://www.tracxn.com/d/companies/clear-blue-insurance-group/__ofcbYjLj28f-LGFFrN14UU6RDk-QMkAQUFPJeGlFyHs). Regulators found Clear Blue failed to pay or deny 11.8% of claims within 90 days and omitted required disclosure statements in 3.9% of partial payments [(Florida Office of Insurance Regulation, "Targeted Market Conduct Examination Report", 2025)](https://floir.gov/docs-sf/property-casualty-libraries/market-regulation/2025/clear-blue-insurance-company-(05-22-2025)5d52a6fe-eeed-4601-919f-7dca46215af2.pdf). ### Should I consider other insurance companies? Consumers seeking [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) should compare multiple options before choosing coverage. Clear Blue's D- BBB rating, regulatory violations, and limited consumer access raise concerns about service quality [(Better Business Bureau, "Clear Blue Insurance Group", 2025)](https://www.bbb.org/us/nc/charlotte/profile/insurance-agent/clear-blue-insurance-group-0473-613107). Shop quotes from multiple carriers and MGAs to find the best combination of price, coverage, and customer service for your needs.