Expert Underwriter Secures Critical Wildfire Coverage for High-Risk California Warehouse, Saving Key Account

Monrovia, CA ., Oct 30, 2025 – In a notable victory against challenging market conditions, the specialized underwriting team at Greenwood General Insurance Agency successfully placed a complex property insurance policy for a warehouse located in the brush-heavy hills of Simi Valley, California—a risk that multiple other carriers had declined due to extreme wildfire exposure.

The client, a warehouse with a $3 million Total Insured Value (TIV), required a substantial $3 million in business income coverage, a critical need for ensuring operational continuity. However, the property’s location directly against wildfire-prone brushlands made it virtually unplaceable in the standard market.

“This was a classic case of a good business being penalized for its geography,” explained the lead underwriter on the case. “While the operation itself was a standard warehouse, the surrounding environment made it a severe wildfire risk. Other carriers saw the zip code and declined to offer adequate limits. We saw a client who needed a strategic solution to protect their livelihood.”

The challenge was formidable: secure full wildfire limits where others had failed. The underwriter leveraged deep expertise in California’s unique property market and cultivated relationships with specialty carriers willing to model and underwrite complex environmental risks.

Through a diligent and focused strategy, the underwriter was able to present a compelling case to a niche market, demonstrating the client’s value and the feasibility of the risk. The effort resulted in a full policy offering, including the crucial $3 million in business income coverage, with a premium of approximately $60,000.

Remarkably, the entire placement was secured and quoted within a swift three-day turnaround, preventing any delay or disruption for the client.

“This placement wasn’t just about filling a gap; it was about providing resilience,” the underwriter added. “Securing that business income coverage means this warehouse can survive a disaster and continue to support its employees and the local economy. It’s a testament to what’s possible when you combine market knowledge with a determined effort to advocate for the client.”

This successful placement underscores Greenwood General’s commitment to solving the industry’s toughest challenges, ensuring that businesses in high-risk areas have access to the comprehensive protection they need to thrive.

About Greenwood General Insurance:
Greenwood General Insurance is a leading insurance MGA providing innovative commercial insurance solutions. With a focus on expert placement and client advocacy, The company secures comprehensive and competitive insurance solutions for a wide range of commercial clients.

Media Contact
Catherine, Marketing Administrator
Greenwood General Insurance Agency
Phone: (626) 817-9100 Ext 540
Email: catherine@gwgeneral.com
Website: www.gwmga.com

Topics Catastrophe Natural Disasters California Wildfire Underwriting