RockRose Risk is an AI-enabled insurance brokerage that helps property owners in wildfire-prone areas secure coverage by translating verified community mitigation efforts into risk profiles carriers trust. The company delivers average premium savings of 21% for residential properties and 35%+ for commercial properties, including those insured through the California FAIR Plan. RockRose also partners with Burnbot for advanced wildfire fuel reduction, documenting risk reduction that translates directly into lower premiums.
Funding
Funding not disclosed
Founders
Product
Problem
Property owners in wildfire-prone areas face rising insurance premiums, non-renewals, and limited coverage options as carriers struggle to accurately assess wildfire risk. Traditional underwriting models often fail to account for verified mitigation efforts, leaving homeowners and businesses paying inflated rates or losing coverage entirely despite taking proactive risk-reduction measures.
Solution
RockRose Risk operates as an AI-enabled property insurance brokerage that quantifies wildfire mitigation and translates it into lower premiums. The company builds data-backed risk profiles that carriers trust by verifying community-level mitigation activities, such as fuel reduction and defensible space implementation. These verified risk profiles enable carriers to offer more accurate pricing, resulting in average premium savings of 21% for residential properties and 35% or more for commercial properties. RockRose also serves as a California FAIR Plan broker, helping clients reduce FAIR Plan premiums through documented property mitigation. The brokerage supports both residential and commercial coverage, including HOAs, schools, resorts, vineyards, and public facilities, and offers premium financing options for commercial clients.
Target Audience
Primary customers are residential and commercial property owners in wildfire-prone areas, including HOAs, schools, resorts, vineyards, and public facilities, who need affordable insurance coverage despite elevated wildfire risk.
Features
- AI-enabled risk profiling that quantifies verified wildfire mitigation into carrier-trusted risk scores
- California FAIR Plan brokerage services with average 21% premium savings through documented mitigation
- Commercial property insurance solutions for HOAs, schools, resorts, vineyards, and public facilities with 35%+ average savings
- Partnership with Burnbot for advanced wildfire fuel reduction, with documented risk reduction tied to premium savings
- Commercial premium financing options with terms varying by carrier, lender, and state
- Free property insurance quote process for both residential and commercial coverage