Property Guardian
Property Guardian is a Chicago-based wildfire risk analytics firm serving commercial property insurers, MGAs, and risk managers with parcel-level wildfire intelligence built on exclusive data partnerships and embedded underwriting platform distribution.
- Company typePrivate
- Founded2022
- HeadquartersChicago, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Property Guardian does
Property Guardian is a Chicago-based, privately held wildfire risk analytics company operating as a subsidiary of Green Shield Holdings (legal entity Green Shield Risk Solutions, LLC, Delaware). The company delivers parcel-level wildfire risk intelligence to commercial property insurance carriers, managing general agents (MGAs), excess and surplus (E&S) writers, brokers, reinsurers, and catastrophe modelers, with secondary reach into real estate via the InsurAble sub-brand. Its platform transforms thousands of wildfire signals per property across structure, parcel, community, and regional scales into underwriting-ready scores and reports.
Core products include the Wildfire Recurrence Risk Score (time-aware fire history and fuel dynamics), the Wildfire Resiliency Score (structural and defensible-space assessment), the Canadian Wildfire Risk Score, Wildfire Risk Insight Reports featuring a Suppression Effort/Difficulty measure, Field Insights from Certified Wildfire Mitigation Specialists, Wildfire Moratorium Insights, and the Overwatch active-monitoring platform (expanded in June 2026 from wildfire to multi-peril wildfire and hurricane coverage). Underlying inputs are sourced through exclusive partnerships with Technosylva, Spatial Informatics Group, Precisely, Guidewire HazardHub, Vexcel, and Pyregence. The technology stack is exposed through native integrations into EigenRisk's EigenPrism, Convr's AI Underwriting Workbench, and KatRisk's Perilfinder via API, plus a direct-to-Lynx Specialty commercial relationship.
Property Guardian operates an enterprise SaaS revenue model with quote-based subscription pricing on annual contracts, no publicly disclosed tiers, and a 'Request a Demo' sales motion complemented by channel distribution through underwriting platforms. Named commercial customers on the company homepage include Chubb, USI, Striior Insurance Solutions, Accelerant, AmRisc Group, Fire Defense Systems, Arden Insurance Services, Lynx Specialty, and BMS. The company employs 11-50 people, is headquartered at 2551 N Clark St., Suite 302, Chicago, serves the United States and Canada, and was founded in 2022.
Property Guardian firmographics
Firmographics- Name
- Property Guardian
- Legal name
- Green Shield Risk Solutions, LLC
- Website
- https://propertyguardian.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Property Guardian is a Chicago-based wildfire risk analytics firm serving commercial property insurers, MGAs, and risk managers with parcel-level wildfire intelligence built on exclusive data partnerships and embedded underwriting platform distribution.
- Ownership category
- akta.pro rank
Property Guardian industry classification
Industry- Product category
- Insurance Risk Analytics
- NAICS
- Offices of Real Estate Appraisers (53132), Offices of Real Estate Agents and Brokers (531210), Title Abstract and Settlement Offices (541191)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Risk Scoring, Hazard & Geospatial Analytics (FSAOAIAE)
Keywords
Where Property Guardian is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Property Guardian business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain
Revenue model
- Wildfire Risk Analytics SaaS: B2B SaaS platform providing wildfire risk intelligence to commercial property insurers, MGAs, and risk managers. Revenue generated through platform subscriptions, API access, and per-report pricing delivered via direct sales and channel partner integrations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise licensing model with quote-based pricing |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Property Guardian product offering
Product offeringCore offering
Property Guardian provides a wildfire risk analytics SaaS platform that transforms thousands of wildfire signals into property-level intelligence for commercial property insurers, MGAs, brokers, and reinsurers. Its suite of products combines time-aware recurrence scoring, property-level resiliency assessment, suppression difficulty analytics, active wildfire/hurricane monitoring, and mitigation guidance, delivered either directly or via APIs embedded into partner underwriting and CAT-modeling platforms.
Product overview
Property Guardian is a wildfire risk analytics platform from Green Shield Holdings offering a comprehensive suite of risk assessment, monitoring, and mitigation intelligence products. The platform provides property-level wildfire risk scores including Wildfire Recurrence Scores (time-aware fire history and fuel dynamics), Wildfire Resiliency Score, Canadian Wildfire Risk Score, and Wildfire Risk Insight Reports with Suppression Effort measures. Active monitoring is delivered through Overwatch (expanded in 2026 to include hurricane coverage), while mitigation guidance is provided via Field Insights. The InsurAble platform serves real estate professionals. Solutions are organized around Underwriting (Large Commercial Property, Specialty Lines, High-Volume & Transactional Property, Ultra-High Net Worth Homeowners) and Loss Control & Risk Management segments, with intelligence integrated into partner platforms including EigenRisk EigenPrism, KatRisk Perilfinder, and Convr AI Underwriting Workbench via API.
Differentiator
Problem solved
Functional benefit
Brands
- Overwatch: Active wildfire intelligence platform expanded to include multi-peril coverage for wildfire and hurricane monitoring.
- InsurAble
Products and services
- Wildfire Recurrence Scores Time-aware wildfire risk scoring that incorporates fire history and fuel dynamics to identify elevated risk that static scores miss, used by underwriters to evaluate property-level recurrence exposure.
- Wildfire Resiliency Score Property-level assessment of a building's ability to withstand and recover from wildfire events based on structural characteristics, defensible space, ember resistance, and mitigation measures, for underwriting and loss control teams.
- Canadian Wildfire Risk Score + Insights Wildfire risk scoring and insights tailored for Canadian properties and fire conditions, extending Property Guardian's intelligence to Canadian underwriters and property owners.
- Wildfire Risk Insight Reports Comprehensive property-level wildfire risk reports covering exposure, severity, mitigation measures, and suppression dynamics, used to support underwriting and risk-selection decisions.
- Field Insights On-ground wildfire risk mitigation assessment and reporting performed by Certified Wildfire Mitigation Specialists, delivered for loss control teams and property inspection companies.
- Overwatch Active wildfire intelligence platform expanded to wildfire and hurricane monitoring, providing real-time event tracking and portfolio monitoring for properties in active peril zones.
- Wildfire Moratorium Insights Dynamic insights on areas under wildfire-related building or insurance moratoriums, helping insurers assess coverage availability and identify insurable properties in restricted markets.
- InsurAble Self-serve digital platform for real estate professionals and property owners to assess wildfire risk and insurability for individual properties.
Quantifiable outcome
- Identified areas of highest destruction two to three days before January 2025 Los Angeles wildfires arrived
- +2 more outcomes
Companies that use Property Guardian
Customer profileNamed customers9 records
Segments6 records
Ideal customer profiles6 records
Property Guardian technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature8 records
Property Guardian partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- ConvrcoreStrategic partnership integrating Property Guardian's wildfire intelligence into Convr's AI Underwriting Workbench for commercial insurers. The integration provides real-time wildfire risk insights including structure, parcel, community, and regional analytics within the AI-powered underwriting workflow, enabling faster defensible decisions without costly in-person inspections.
- EigenRiskcoreChannel partnership integrating Property Guardian's wildfire risk intelligence into EigenRisk's EigenPrism platform. Underwriters gain access to time-aware recurrence scoring, resiliency data, and suppression effort analysis alongside EigenRisk's analytics engine, enabling better risk selection and portfolio resilience building for commercial property underwriting.
- KatRiskcorePartnership announced at RIMS RISKWORLD 2026 integrating Property Guardian's wildfire risk intelligence into KatRisk's Perilfinder platform via API. Combines Property Guardian's near-term wildfire datasets (recurrence scores, dynamic moratorium insights, resiliency scores) with KatRisk's long-term stochastic catastrophe modeling for multi-horizon wildfire exposure assessment.
- Lynx SpecialtycorePartnership providing Lynx Specialty (excess and surplus commercial property insurer) with parcel-level wildfire exposure analytics. The arrangement enables Lynx to consider commercial risks in wildfire-prone regions that would otherwise be excluded under broader screening criteria, with Property Guardian providing detailed reporting on exposure, severity, mitigation measures, and suppression dynamics.
- BurnBotminorPartnership combining wildfire risk analytics with BurnBot's mitigation technology to help property owners, insurers, and communities reduce wildfire exposure and improve insurability through data-driven mitigation solutions.
- TechnosylvacoreStrategic data partnership providing advanced wildfire modeling and simulation data for Property Guardian's analytics platform.
- Spatial Informatics GroupcoreStrategic data partnership providing wildfire risk modeling expertise and data for Property Guardian's analytics platform.
- PreciselycoreStrategic data partnership providing geospatial and data integration capabilities for Property Guardian's analytics platform.
- Guidewire HazardHubcoreStrategic integration partnership providing hazard data through Guidewire's HazardHub platform for Property Guardian's wildfire risk analytics.
- VexcelcoreStrategic data partnership providing aerial imagery and property data for Property Guardian's wildfire risk assessment capabilities.
- PyregencecoreStrategic data partnership providing wildfire science and modeling data for Property Guardian's analytics platform.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Property Guardian competitors and assessment
Company assessmentDirect peers
- Zesty.ai: AI-driven property and wildfire risk analytics for insurance carriers and reinsurers. Directly competes with Property Guardian in parcel-level wildfire scoring and underwriting intelligence for property insurers.
- Kettle: Reinsurance-focused risk analytics and wildfire modeling using AI, targeting similar carrier/reinsurer buyers with parcel-level intelligence. Closest pure-play competitor in next-generation wildfire analytics.
- Technosylva: Wildfire simulation, behavior modeling, and operational analytics used by utilities, fire services, and risk modelers. Notably a Property Guardian data partner, but competes at the wildfire-modeling layer for similar analytical buyers.
- Cape Analytics: Aerial-imagery-based property intelligence for insurance underwriting and risk selection. Overlaps with Property Guardian in property-level analytics delivered into carrier workflows, though broader than wildfire.
- KatRisk: Catastrophe modeling and Perilfinder platform covering multiple perils including wildfire for re/insurers. Functions as both a partner (channels Property Guardian data via API) and a competitor in catastrophe wildfire analytics.
Broad incumbents
- RMS (Moody's): Catastrophe modeling (now part of Moody's) producing wildfire models used in reinsurance pricing. Competes in catastrophe wildfire analytics for the same reinsurance and large-carrier buyer.
- CoreLogic (ICE): Property data, analytics, and natural-hazard risk scoring serving mortgage and insurance markets. Competes indirectly with Property Guardian in property-level risk scoring used in insurance underwriting.
- Verisk (Property Analytics / AIR): Dominant property/casualty analytics and catastrophe-modeling incumbent via AIR Worldwide, providing industry-standard wildfire models to re/insurers. Competes broadly with Property Guardian's analytics through embedded carrier relationships and bundles.
- Guidewire (HazardHub): Core P&C insurance platform with HazardHub hazard data and increasingly its own wildfire scoring. Functions as a data partner to Property Guardian but competes at the underwriting-data layer for shared carrier accounts.
Emerging players
- EagleView: Aerial imagery and property attribute analytics consumed by insurers and governments. Provides foundational property data inputs that overlap with Property Guardian's parcel-level intelligence.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Property Guardian social profiles
Digital presenceProperty Guardian financial estimates
Financial estimateRevenue estimate
Valuation estimate
Property Guardian leadership team
Management profileNumber of profiles
Profiles3 records
Property Guardian funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Property Guardian M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Property Guardian
What does Property Guardian do?
Property Guardian provides a wildfire risk analytics SaaS platform that transforms thousands of wildfire signals into property-level intelligence for commercial property insurers, MGAs, brokers, and reinsurers. Its suite of products combines time-aware recurrence scoring, property-level resiliency assessment, suppression difficulty analytics, active wildfire/hurricane monitoring, and mitigation guidance, delivered either directly or via APIs embedded into partner underwriting and CAT-modeling platforms.
Is Property Guardian a public or private company?
Property Guardian is a private company. It is classified as corporate owned and is currently operating.
When was Property Guardian founded?
Property Guardian was founded in 2022. It employs 11 to 50 people.
Where is Property Guardian based?
Property Guardian is headquartered in Chicago, United States, in the North America region.
How does Property Guardian make money?
One revenue line is on record: wildfire Risk Analytics SaaS.
Who are Property Guardian's main competitors?
Direct peers on record are Zesty.ai, Kettle, Technosylva, Cape Analytics and KatRisk. Broad incumbents are RMS (Moody's), CoreLogic (ICE), Verisk (Property Analytics / AIR) and Guidewire (HazardHub). EagleView is listed as an emerging player.
Does Property Guardian have an API?
Yes. Property Guardian's wildfire risk intelligence, including recurrence scores, dynamic moratorium insights, and property-level resiliency scores, is integrated via API into KatRisk's Perilfinder platform. This allows users to assess wildfire exposure across multiple time horizons.
What industry is Property Guardian in?
Property Guardian's product category is Insurance Risk Analytics. Its primary akta.pro industry code is FSAOAIAE, Risk Scoring, Hazard & Geospatial Analytics. Its NAICS code is 53132 and its SIC code is 6282.