Property Guardian
Property-level wildfire risk intelligence for underwriters, carriers, and MGAs
Overview
Property Guardian is a wildfire risk intelligence platform serving insurance underwriters, carriers, MGAs, and real estate professionals. The platform delivers property-level risk scores and insights covering the full insurance lifecycle -- from pre-underwriting selection and pricing through active event monitoring and loss control.
The platform combines time-aware fire history, fuel dynamics modeling, and AI/ML analytics to generate property-level wildfire risk scores that go beyond static hazard maps. Core offerings include a Wildfire Recurrence Score, a Wildfire Resiliency Score, real-time Overwatch event monitoring, and field-delivered mitigation services by NFPA-certified specialists. Products are available as standalone scores, integrated risk reports, or via API for embedding into third-party catastrophe modeling and underwriting platforms.
Founded in 2022, Property Guardian operates as part of Green Shield Holdings alongside the MGA subsidiary Green Shield Risk Solutions. The company has raised USD 18.6M across seed and Series B rounds. By mid-2026, the platform was embedded in five or more third-party platforms -- including EigenRisk EigenPrism, KatRisk Perilfinder, and Convr AI Underwriting Workbench -- and counted Chubb and USI Insurance Services among its referenced partners.
Products & Services
Wildfire Recurrence Score
A property-level recurrence risk score computed using time-aware fire history and fuel dynamics. Unlike static scoring systems, the model accounts for how recently a location burned and how fuel conditions have changed, providing a forward-looking risk signal for underwriting and pricing decisions.
Key Features
- Time-aware fire history modeling
- Fuel dynamics analysis
- Property-level granularity for individual submission review
Target Users: Underwriters, carriers, MGAs processing personal and commercial property submissions
Wildfire Resiliency Score
Evaluates the structural resilience of a property to survive a wildfire event. The score factors construction materials, defensible space, and structure condition to assess survivability independent of proximity hazard alone.
Key Features
- Structure-level survivability assessment
- Defensible space evaluation
- Construction materials analysis
Target Users: Underwriters, risk engineers evaluating individual property risks
Canadian Wildfire Risk Score
An adaptation of the core wildfire analytics for the Canadian market, providing property-level wildfire risk insights for insurers and MGAs with exposure in wildfire-prone Canadian regions.
Key Features
- Canada-specific fire history and fuel data
- Property-level scoring
Target Users: Canadian carriers and MGAs
Wildfire Risk Insight Reports
Pre-underwriting reports combining hazard scoring, resiliency assessment, and mitigation guidance in a single deliverable. Also available through the InsurAble platform for real estate professionals.
Key Features
- Combined hazard and resiliency scoring
- Mitigation guidance
- Real estate market variant (InsurAble)
Target Users: Underwriters, real estate professionals, property buyers in wildfire-exposed markets
Property Guardian Overwatch
A real-time wildfire intelligence and decision support platform that monitors active wildfire and hurricane events, delivering precision data on impacted and at-risk properties during live catastrophe events.
Key Features
- Live event monitoring for wildfire and hurricane
- Property-level impact tracking
- Mid-event loss control decision support
Target Users: Carriers, MGAs, loss control teams during active CAT events
Wildfire Moratorium Insights
Intelligence relevant to wildfire moratorium compliance and market access decisions in wildfire-restricted markets, including California.
Target Users: Carriers and MGAs operating in moratorium-restricted regions
Field Insights / Wildfire Mitigation Services
On-the-ground property assessment and mitigation services delivered by NFPA-certified wildfire mitigation specialists and ISA-certified arborists, covering defensible space, vegetation management, and structure hardening.
Target Users: Carriers, risk engineers, and policyholders seeking physical mitigation in high-risk areas
Specialty and Commercial Solutions
Tailored wildfire intelligence packages for large commercial property, specialty/E&S lines, high-volume transactional submissions, and ultra-high-net-worth homeowners. Each variant scales the core analytics depth and delivery format to the complexity of the target segment.
Target Users: Commercial underwriters, E&S markets, high-net-worth personal lines carriers
At a Glance
- Founded
- 2022
- Headquarters
- Chicago, Illinois
- Employees
- 11-50
- Funding
- Series B
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Wildfire Risk Scoring Catastrophe Risk Intelligence Property Risk Assessment
- Insurance Verticals
- P&C Personal P&C Commercial Specialty/E&S Reinsurance
- Target Customers
- Carriers, MGAs/MGUs, Brokers, Reinsurers
Customers
- Chubb
- USI Insurance Services
- Lynx Specialty
- Striior Insurance Solutions
- SentryWest Insurance Services
- River Valley Underwriters
- Arden Insurance Services
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Last updated: 2026-06-20