Property Guardian
Wildfire risk intelligence platform for insurance carriers, MGAs, and brokers
Overview
Property Guardian is a wildfire risk intelligence platform developed by Green Shield Risk Solutions, a Chicago-based MGA. The platform delivers property-level wildfire risk scoring, field assessments, and active hazard monitoring for insurance carriers, MGAs, and brokers operating in high-risk markets across North America.
The platform combines proprietary data partnerships with Technosylva, HazardHub, Precisely, and Pyregence, and integrates expertise from meteorologists, data scientists, certified wildfire mitigation specialists, and veteran wildland firefighters. Core capabilities span the full insurance lifecycle -- from initial risk selection and underwriting through active portfolio monitoring and loss control.
Founded in 2022, Green Shield Risk Solutions has raised USD 18.6M across a Seed round (November 2022) and a Series B (June 2024). The company holds a notable carrier partnership with Chubb and has expanded its product suite with the launch of Property Guardian Overwatch in May 2025 and the Guardian Elite Home homeowners program in August 2025.
Products & Services
Property Guardian Overwatch
Active wildfire intelligence platform providing proactive, location-specific hazard insights including wildfire impact forecasts up to 14 days ahead and multi-day hurricane tracking capabilities. Launched May 2025.
Key Features
- 1-to-14-day wildfire spread forecasts incorporating localized heat detection, weather, fuel load, and topography
- Multi-day hurricane tracking
- Real-time hazard intelligence for in-force portfolios
Target Users: Insurance carriers and MGAs managing active wildfire-exposed portfolios
Wildfire Recurrence Scores
Property-level risk scoring for initial wildfire threat evaluation, incorporating time-sensitive fire history and evolving fuel conditions.
Key Features
- Available for the contiguous United States
- Captures dynamic risk patterns beyond static models
- Supports underwriting selection workflows
Target Users: Carriers and MGAs at policy application stage
Wildfire Resiliency Score
Risk scoring and mitigation data integration for underwriting workflows and portfolio analysis.
Key Features
- Integrates risk scores into policy administration systems
- Supports reinsurance expense reduction
- Enables systematic risk selection improvement
Target Users: Underwriting and actuarial teams at carriers and MGAs
Wildfire Risk Insight Reports
Comprehensive property-level reports addressing wildfire exposure across threat level, potential severity, mitigation effectiveness, and suppression considerations.
Key Features
- Single actionable report consolidating exposure uncertainty
- Threat level and severity analysis
- Mitigation and suppression factor breakdown
Target Users: Underwriters and risk managers requiring property-level documentation
Field Insights
On-site property evaluations conducted by Certified Wildfire Mitigation Specialists with custom risk mitigation recommendations and engineering guidance.
Key Features
- Up to 15 structures evaluated per visit
- Performed by NFPA Certified Wildfire Mitigation Specialists
- Custom mitigation and engineering recommendations
Target Users: High-value property underwriters and loss control departments
Moratorium Insights
Real-time, location-specific wildfire intelligence delivered via daily email report subscription or API access.
Key Features
- Daily location-specific wildfire intelligence
- API access for system integration
- Email subscription option
Target Users: Carriers and MGAs managing binding moratorium decisions
InsurAble Platform
Real estate-focused product launched in collaboration with California Regional MLS to help agents address wildfire-related insurance challenges in property transactions.
Key Features
- Integrated into the California Regional MLS ecosystem
- Addresses insurance availability concerns during real estate transactions
- Property-level wildfire risk context for agents and buyers
Target Users: Real estate agents and insurance agents in California
Canadian Wildfire Risk Score
Forthcoming product delivering property-level wildfire scoring for underwriting and portfolio decisions in Canadian markets.
Target Users: Canadian insurance carriers and MGAs
At a Glance
- Founded
- 2022
- Headquarters
- Chicago, IL, USA
- Employees
- 11-50
- Funding
- Series B
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Wildfire Risk Scoring CAT Risk Intelligence Loss Control
- Insurance Verticals
- P&C Personal P&C Commercial Specialty/E&S
- Target Customers
- Carriers, MGAs/MGUs, Brokers
Customers
- Chubb (dedicated Chubb Wildfire Solutions partnership)
- USI Insurance Services
- Striior Insurance Solutions
- SentryWest Insurance Services
- River Valley Underwriters
- Arden Insurance Services
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Last updated: 2026-06-15