Turn Policyholders into Partners in Climate Loss Prevention

My Guardian helps P&C insurers reduce losses, satisfy regulatory expectations, and build year-round relationships with policyholders.

📈
Loss Ratios are Climbing
40% increase in natural disaster-driven claims in the last 5 years
⚖️
Regulator Pressure
Mandates for insurers to demonstrate climate risk mitigation programs
📉
Avoidable Losses
Insurers still pay out preventable claims due to poor insured preparedness

The Last-Mile Gap in Loss Prevention

Current approaches are broken and costing insurers millions in preventable losses

1

Generic Guidance

Paper-based, region-wide tips don't translate into actionable, family-specific advice that drives real preparedness.

2

Messy Claims

Lack of pre-event documentation leads to long cycle times, disputes, and claims denied. 40% of claims are denied due to lack of documentation (no photos, no inventory, no receipts).

3

Missed Engagement

364 days of underutilized relationship time means missed opportunities to prevent losses and build loyalty.

How My Guardian Works

Drive measurable outcomes through a people-centric approach

🎯

Gamified Training

2–3 minute interactions for the whole household that build preparedness habits that reduce damage severity and frequency, directly improving loss ratios.

📸

Guided Asset Documentation

Photos and receipts uploaded before disasters strike result in faster, cleaner claims with reduced cycle times and disputes.

AI Coach

For more advanced preparedness guidance, drawing from extensive and trustworthy sources.

Insurer Benefits

Anchor My Guardian to the KPIs your organization cares about most

💰

Reduced Loss Ratios

Proactive preparedness means fewer payouts and improved profitability on your book of business.

📁

Cleaner Claims

Pre-event documentation delivers faster cycle times, reduced disputes, and smoother FNOL processes.

🤝

Year-Round Relationships

Transform from a renewal touchpoint into a trusted partner that drives brand loyalty and retention.

"What people don't know about catastrophes is huge, what they don't know about insurance is even bigger."

Built for P&C Carriers

Designed specifically for insurance workflows and enterprise requirements

⚙️

White-Label SaaS

Fully branded to your company with per-policy-per-year subscription tiers that scale with your book of business.

🔗

Claims Workflow Integration

Seamlessly aligns with your existing tech stack for easy implementation and upsell opportunities.

📈

Regulatory Alignment

Meet expectations from regulators and rating agencies with demonstrable climate-risk mitigation programs.

Validated by Industry Experts

Backed by extensive research and real-world validation

🧠
15+
Expert interviews with insurance CROs, risk directors, and emergency management SMEs
🗣️
85%
Of policyholders in hazard-prone regions called it "essential" and said they'd pay for it
📈
In Development
Building the platform with insights from regional carriers in Florida and California

Interested in Exploring My Guardian?

Connect with us to learn more about our approach to climate loss prevention