Wildfire Defense Insurance Services, Inc.
Wildfire Defense Insurance Services (WDIS) specializes in securing coverage for wildfire-exposed commercial property accounts in California and offers solutions for properties with a Total Insured Value (TIV) of up to $100 million, depending on the industry classification.
WDIS developed and employs a proprietary rating model to evaluate wildfire risks, eliminating dependence on third-party models or vendors. Qualification for the program does not require specific fire-resistant construction, defensible space, or sprinkler systems, as each risk is assessed based on its unique characteristics.
Why WDIS
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We place commercial property accounts with wildfire exposure.
We combine fire modeling, data science, and underwriting expertise to reduce wildfire losses.
We offer E&S property insurance with WDSresponse included. A response service that is conducted by our affiliate partner Wildfire Defense Systems (WDS).
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We utilize WDSrisk sophisticated technology to reduce property losses due to wildfires.
We conduct a WDSpro wildfire specific inspection on every policy we write.
We actively monitor our policies in force with a real time dashboard WDSfire.
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Disclaimer: WDIS has no affiliation with the below resources - they are intended for informational purposes only.
National Interagency Fire Center- the nation's support center for wildland fires and other emergency situations
Incident Information System- a source that provides the public with current incident information
AirNow- interactive map for real time air quality data locally or nationally
WDS
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Proactive, technology-enabled defense systems, including automated suppression, IoT sensors, and retardant systems.
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Before fire arrives/after fire
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Direct loss prevention measures that decrease the severity and frequency of claims.
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Nationwide, tech enabled scaling across thousands of properties simultaneously.
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Provides real-time data, reporting, and integration for underwriting and actuarial models.
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Tangible peace of mind, marketable policy perk.
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Differentiated product, measurable ROI, stronger underwriting.
Competitor 1
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Wildfire suppression services (hand crews, prescribed fire, training).
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During/after fire
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Variable results, suppression doesn’t guarantee property survival.
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Labor-limited depends on crew capacity.
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Limited reporting, after-action focused.
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Little visibility to insured until fire happens.
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Supplementary useful but reactive only.
Competitor 2
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Wildfire response & suppressions crews, logistics, fuel management.
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During fire
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Reactive only; protection depends on crew availability and conditions.
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Labor-limited depends on crew capacity.
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Some risk consulting, but not insurer-integrated.
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Little visibility to insured until fire happens.
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Supplementary useful but reactive only.
Fire Modeling + Data Science + Underwriting
AM Best Financial Rating:
“A” or better rated carriers
Customer Service Rating:
Fast, responsive service
Brush/Wildfire Area Surcharge Listed on Quote:
NO
Wildfire Defense Response Endorsement:
Included on every policy
Coverage Form:
Special form (All Risk Policy)
Company Specialty:
Specialist in placement of wildfire exposed accounts
California Fair Plan
Not rated
Unknown
YES
Not available
Named perils only
Market of last resort
More on our WDSresponse®
Our WDSresponse focuses on both pre- and post-fire mitigation strategies, real-time wildfire monitoring, and automated defense systems — including moving combustibles away from the structure, deploying sprinklers, applying fire retardant, extinguishing remnant sources of ignition, and utilizing AI-driven risk detection — reducing loss prior to a wildfire reaching the property.