RockRose Risk
RockRose Risk is an AI-enabled property insurance brokerage for wildfire-prone areas that translates verified community mitigation into risk profiles carriers trust. The company serves residential and commercial clients, including HOAs, schools, resorts, and vineyards, and reports average premium savings of 21% for residential and 35%+ for commercial properties. It also operates as a California FAIR Plan broker, documenting property mitigation to help clients reduce premiums.
- Insurance Technology
- Artificial Intelligence
- Financial Technology
- Data & Analytics
- Software Only
Funding
Founders
Founder details are not available yet.
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