Green Shield Risk Solutions today announced a significant expansion of Guardian Elite Home, its non-admitted homeowners program for affluent primary and secondary residences in California and Colorado, alongside the launch of Compass, a modern agent portal designed to simplify quoting, submissions and account management.

The announcement comes as independent agents continue to navigate limited capacity and changing underwriting appetites for high-value homes, particularly in areas with wildfire exposure. Guardian Elite Home is designed to give agents another option for clients whose properties may not fit within the parameters of standard personal lines markets.

The program now offers expanded capacity across every ZIP code in California and Colorado, Coverage A limits of up to $7 million and total insured values of up to $10 million. Green Shield has also introduced an updated rating approach intended to create more competitive opportunities for many eligible properties, including consideration of qualifying home-hardening and risk-reduction measures.

“Agents serving high-value homeowners need more than additional capacity, they need a specialty partner that can help them move quickly, understand the risk and communicate clearly throughout the process,” said Patrick Blandford, Founder and CEO of Green Shield Risk Solutions. “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.”

A Specialty Solution for a Changing Homeowners Market

Guardian Elite Home program highlights include:

  • Non-admitted HO-3 coverage

  • Eligible for high-value primary and secondary residences in California and Colorado

  • Coverage A limits up to $7 million

  • Total insured values up to $10 million

  • Backed by A.M. Best A+ rated Lloyd’s paper

  • Recognition of eligible home-hardening and risk-reduction measures

  • Access through appointed retail insurance agents

Green Shield’s underwriting approach is supported by property-level data and proprietary wildfire intelligence from its sister company, Property Guardian. That information helps the underwriting team evaluate individual properties using more detailed risk characteristics rather than relying solely on broad geographic indicators.

Compass Brings Greater Speed and Visibility to Agents

The newly launched Compass agent portal provides a centralized digital experience for Guardian Elite Home business.

Through Compass, agents can:

  • Receive fast initial indications

  • Submit new business through a structured digital workflow

  • Track submissions from indication through binding

  • View clear status updates and referral information

  • Receive plain-language explanations when a risk falls outside program guidelines

  • Manage opportunities within a single agent-facing platform

The portal is intended to reduce unnecessary back-and-forth while giving agents greater visibility into each submission.

Agents can request an appointment or access Compass at https://compass.greenshieldrisk.com/.

About Green Shield Risk Solutions

Green Shield Risk Solutions is a specialty managing general agent (MGA) focused on expanding access to coverage in markets where traditional capacity may be limited. Guardian Elite Home is its flagship non-admitted high-value homeowners program, available in California and Colorado.

Green Shield was founded to address today’s increasingly complex catastrophic property risk environment, combining deep underwriting expertise with advanced analytics, proprietary technology and real-world wildfire experience.

Its multidisciplinary team includes seasoned underwriters, data scientists, meteorologists, arborists, certified wildfire mitigation specialists and veteran hotshot firefighters. Green Shield also leverages Property Guardian, its proprietary wildfire analytics platform, to bring detailed property-level risk intelligence into underwriting and risk selection.

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