Property Guardian

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Solutions for

Large Commercial Property

Large commercial portfolios are facing wildfire exposure across more geographies and more diverse asset types than ever before. Yet underwriting decisions often depend on regional hazard views that can’t capture what actually drives loss at a specific site—mitigation quality, access constraints, and local fuel conditions. That gap creates pricing uncertainty and aggregation blind spots across the portfolio.

Wildfire Underwriting, Confidently

Move beyond regional assumptions with property-level insight

Property Guardian gives large commercial underwriters property-level wildfire intelligence — combining hazard, vulnerability, and mitigation signals in a single, explainable view. Teams can identify true drivers of exposure site by site, spot concentration risk earlier, and make more consistent decisions across complex portfolios. The result is more defensible selection and pricing, clearer renewal conversations, and better wildfire risk management at scale.

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Property Guardian in Action
  • Differentiates risk quality through resiliency and mitigation insight
  • Provides clear, shareable documentation for underwriting decisions
  • Supports portfolio-wide visibility and steering
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Results You Can Measure
  • More defensible pricing and selection
  • Better accumulation visibility and portfolio steering
  • Faster underwriting decisions with clearer documentation

Risk Insight Reports by the Numbers

200+

advanced wildfire data points used in our reports

4

unique risk dimensions in each assessment

Up to 21

pages of detailed analytics in each report

16

primary risk factors for structure, parcel, community and region

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A wildfire risk report for 1001 Bolinas Rd, Fairfax, CA. It includes an overall score and various risk levels: structure, parcel, community, and region. Aerial imagery and location details are also shown.

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A comprehensive, property-level view of wildfire risk — bringing exposure, potential severity, mitigation effectiveness, and suppression considerations together in a single, actionable report.

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Overwatch continuously monitors active wildfires and alerts you when something truly matters — so you can act early, protect properties, preserve underwriting profitability, and deliver best-in-class service.

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Wildfire Moratorium Insights provide underwriting and CAT leaders a clear, science-backed view of where active wildfires actually threaten business, so they can apply moratoriums precisely.

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Ready to Boost Your Insurability?

Protect your investment and unlock better insurance options with our wildfire risk insight reports. Reach out today to see how we can help safeguard your commercial property and improve your insurability!

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