Property Guardian

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.

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

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

• Wildfire risk analytics
• Catastrophe risk modeling
• Insurance underwriting intelligence
• Property risk assessment
• Climate risk scoring

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core 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

Named customers9 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature8 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• ConvrcoreTechnology or Integration · 16 June 2026Strategic 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.
• EigenRiskcoreTechnology or Integration · 8 June 2026Channel 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.
• KatRiskcoreTechnology or Integration · 4 May 2026Partnership 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 SpecialtycoreChannel Partner/ Reseller/ Distributor · 28 April 2026Partnership 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.
• BurnBotminorStrategic or Co-development Partner · 8 December 2025Partnership 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.
• TechnosylvacoreTechnology or IntegrationStrategic data partnership providing advanced wildfire modeling and simulation data for Property Guardian's analytics platform.
• Spatial Informatics GroupcoreTechnology or IntegrationStrategic data partnership providing wildfire risk modeling expertise and data for Property Guardian's analytics platform.
• PreciselycoreTechnology or IntegrationStrategic data partnership providing geospatial and data integration capabilities for Property Guardian's analytics platform.
• Guidewire HazardHubcoreTechnology or IntegrationStrategic integration partnership providing hazard data through Guidewire's HazardHub platform for Property Guardian's wildfire risk analytics.
• VexcelcoreTechnology or IntegrationStrategic data partnership providing aerial imagery and property data for Property Guardian's wildfire risk assessment capabilities.
• PyregencecoreTechnology or IntegrationStrategic data partnership providing wildfire science and modeling data for Property Guardian's analytics platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• YouTubeyoutube.com/@PropertyGuardianGS
• LinkedInlinkedin.com/company/gs-property-guardian

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Property Guardian