Green Shield Risk Solutions expanded Guardian Elite Home, its non-admitted homeowners program for affluent primary and secondary residences in California and Colorado. The MGA also launched Compass, a digital agent portal built to simplify quotes, submissions and account management.
The expansion comes as independent agents face limited insurance capacity and shifting underwriting appetites for high-value homes, especially properties exposed to wildfire.
Guardian Elite Home gives agents another placement route for clients whose homes don’t fit standard personal lines markets.
The program now provides capacity across every ZIP code in California and Colorado. Coverage A limits reach $7 mn, while total insured values reach $10 mn. Green Shield also updated its rating approach to create more competitive opportunities for eligible properties, including homes with qualifying hardening work and other risk-reduction measures.
Patrick Blandford, founder and CEO of Green Shield Risk Solutions, said agents serving high-value homeowners need more than extra capacity. They need a specialty partner that moves fast, understands the risk and communicates clearly during the placement process.
Guardian Elite Home was built to address a real placement need in California and Colorado. With expanded capacity, updated rates and the launch of Compass, we are giving agents a stronger product and a more modern way to access it.
Patrick Blandford, Founder and CEO of Green Shield Risk Solutions
Guardian Elite Home provides non-admitted HO-3 coverage for eligible high-value primary and secondary residences in California and Colorado. The program offers Coverage A limits up to $7 mn and total insured values up to $10 mn. It uses A.M. Best A+ rated Lloyd’s paper, recognizes eligible home-hardening and risk-reduction measures, and remains available through appointed retail insurance agents.
Green Shield supports underwriting with property-level data and proprietary wildfire intelligence from Property Guardian, its sister company. That data helps underwriters review individual homes through more detailed risk characteristics, instead of depending only on broad geographic indicators.
Compass gives agents a centralized digital platform for Guardian Elite Home business. Agents use the portal to receive fast initial indications, submit new business through a structured workflow, track submissions from indication to binding and review status updates with referral information.
The portal also gives agents plain-language explanations when a risk falls outside program guidelines. Green Shield designed Compass to reduce unnecessary back-and-forth and give agents more visibility into each submission. Agents request appointments or access the portal at compass.greenshieldrisk.com.
Green Shield Risk Solutions operates as a specialty managing general agent focused on expanding access to insurance in markets where traditional capacity remains limited.
The company was founded to address complex catastrophic property risk, combining underwriting expertise with analytics, proprietary technology and wildfire field experience.
Its team includes underwriters, data scientists, meteorologists, arborists, certified wildfire mitigation specialists and veteran hotshot firefighters.
Green Shield also uses Property Guardian, its proprietary wildfire analytics platform, to bring property-level risk intelligence into underwriting and risk selection.
