Exclusive, Non-Admitted Homeowners Coverage for Wildfire-Prone Colorado and California

Green Shield Risk Solutions, a managing general agent (MGA) built for today’s catastrophic risk environment, has announced the launch of its flagship homeowners program, Guardian Elite Home. Created exclusively for wildfire-prone regions of Colorado and California, Guardian Elite Home gives brokers a powerful, differentiated solution in one of the most constrained property insurance markets in the nation.

Where traditional carriers are retreating, Guardian Elite Home is stepping in — offering retail agents a way to stand out and deliver where others cannot. Designed for affluent clients, the program provides broad, flexible protection that not only covers the basics, but also enhances peace of mind in wildfire-exposed areas.

“Homeowners in California and Colorado are facing a crisis of availability and affordability when it comes to property insurance, and agents are facing an impossible situation — trying to protect clients whose properties carriers won’t touch,” said Pat Blandford, Founder & CEO of Green Shield Risk Solutions. “Guardian Elite Home was created to fill that desperate need. Our mission is to make the world more insurable, starting with solutions that give agents the power to step in where others have walked away.”

With Guardian Elite Home, appointed retail agents gain access to an exclusive, non-admitted solution backed by Lloyd’s of London A+ paper. The program leverages Property Guardian, Green Shield’s proprietary wildfire analytics, and the company’s deep underwriting expertise, to deliver reliable coverage for affluent homes — even in areas considered “uninsurable” by traditional carriers.

Program highlights include:

• Comprehensive dwelling coverage with replacement cost options for affluent homes
• Protection for other structures, personal property, and additional living expenses
• Primary liability protection tailored for affluent households
• Wildfire-focused enhancements such as debris removal, landscaping restoration, and proactive mitigation support
• Coverage flexibility for primary, secondary, and vacation residences — even in areas deemed “uninsurable” by traditional markets

About Green Shield Risk Solutions

Green Shield Risk Solutions is a managing general agent (MGA) redefining insurance for a new era of risk. With advanced data science, strong carrier partnerships, and real-world underwriting expertise, Green Shield empowers brokers to deliver coverage in markets where traditional carriers fall short. Guided by its mission to make the world more insurable, Green Shield provides innovative solutions to protect homes, clients, and communities facing catastrophic risk. Learn more at www.greenshieldrisk.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20250821570447/en/

Homeowners in California and Colorado are facing a crisis of availability and affordability when it comes to property insurance, and agents are facing an impossible situation. Guardian Elite Home was created to fill that desperate need.