Solutions for
Specialty Lines
Specialty risks — like wineries, agriculture, builder’s risk, wood products/lumber, cannabis, and other non-standard commercial properties — rarely fit cleanly into traditional underwriting frameworks. When construction, operations, access, or location is unique, generic wildfire tools tend to overgeneralize, driving blanket exclusions or overly conservative pricing. Property Guardian brings property-level clarity (and Overwatch event intelligence) so specialty teams can assess wildfire exposure with the nuance these assets require.
Precision for Specialty Wildfire Risk
Replace blanket assumptions with property-specific wildfire drivers
Property Guardian delivers property-level wildfire intelligence designed to capture the nuances of specialty assets — highlighting the specific hazard, vulnerability, and mitigation factors driving exposure. Underwriters can quickly see what’s truly elevating risk (and what isn’t), document rationale for decisions, and tailor terms accordingly. The result is more defensible terms, fewer unnecessary declines, and pricing that better reflects each specialty risk’s real profile.
Property Guardian in Action
- Clarifies chronic vs. occasional wildfire exposure
- Surfaces mitigation and vulnerability nuance
- Enables targeted verification where needed
Results You Can Measure
- Expanded underwriting appetite with discipline
- Better differentiation of complex risks
- Reduced reliance on blunt underwriting rules
Wildfire Recurrence Score By The Numbers
land units analyzed nationwide (25-acre resolution)
of wildfire history incorporated (1900-2025)
between models in the top 1% highest-risk areas
refresh cycle, with 4-8 hours to process full U.S. predictions
Recommended Products
Wildfire Recurrence Score
Our Wildfire Resiliency Score provides a curated, property-level assessment of how a structure is likely to perform in a wildfire event.
Wildfire Resiliency Score
Our Wildfire Resiliency Score provides a clear, property-level indication on how frequently wildfire has occurred — and is likely to recur — at a given location.
Overwatch
Overwatch continuously monitors active wildfires and alerts you when something truly matters — so you can act early, protect properties and preserve profitability.
Supporting Products
Wildfire Risk Insight Reports
Our Wildfire Risk Insight Reports provide a comprehensive, property-level view of wildfire risk — bringing exposure, potential severity, mitigation effectiveness, and suppression considerations together in a single, actionable report.
Field Insights
Our Field Insights are carried out by our team of Certified Wildfire Mitigation Specialists, who can assess risk and inspect up to 15 structures per visit, offering expert evaluations and custom mitigation strategies.
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!
