ForceShield.ai

FAIR Plan Depopulation, Risk-Selected

A private risk-selection engine for moving homes out of the FAIR Plan — one engine, many carriers and theses. Prospective partners mapped into each role. ForceShield is not the FAIR Plan clearinghouse; participating carriers contract with that program directly.

Tap any stage for the detail. Named firms are prospective targets from public research — not signed partners, no roster implied. Not legal advice.

Source California FAIR Plan
The over-concentrated residual book — ~655k residential policies. The clearinghouse shares a monthly policy feed (insured initials + broker-of-record code + coverage/premium/risk, excluding contact info) to participating carriers under an opt-out. Not a customer list; a privacy-attenuated, broker-routed feed.
§10095(i)/(k)
Engine ForceShield.aiRiskScan.aiFireBreak
Per-property hardening scores (the risk-selection cherry-pick), the per-placement compliance file (declinations + disclosure receipts), and audit-defensible rate support. FireBreak is the licensed CA retail broker and §10095 routing conduit — and is fast-tracking its own surplus-line broker stack so the wholesaler layer (the strategic control point) can sit in-house. Offers reach the home through the listed agent or broker of record (if any), never a cold list.
§1763 diligent-search file · §1764.1 disclosure · SL-broker licensing (Phase 2)
Paper State Farm DelosBambooDual SalemGJSFutureProof
Two clean lanes, non-exclusive. Admitted (State Farm via Ventures POC; Delos/Bamboo/Dual capacity) is the cleanest door — first option in the clearinghouse, no §1763 diligent search; the engine makes selective re-entry safe for a carrier that pulled back from CA home (paused new business + non-renewed). E&S / nonadmitted MGAs (Salem, GJS, FutureProof) run the second-option lane, each an MGA-agnostic instance on the shared platform, behind §1765.1-eligible carrier paper.
§10095 admitted-first · §1763.1 export-list bar · §1765.1 eligibility
Channel Amwins · Vivere CRCHeffernan · CosteroBurns & Wilcox EinhornMMA Private ClientHUB PC PURE
The listed agent or broker of record (if any) is the compliant path (§10095 routes through it). Wholesale is the control point — one onboarding reaches a retail base: CRC (most direct US wholesale), Heffernan/Costero (the London→CA bridge), Amwins/Vivere (own the FAIR-wrap — compete-or-partner). Retail / HNW book-holders (Einhorn, MMA Private Client, HUB) hold the homes §10095 routes through — court now, rank against the feed's broker codes later. PURE is a competitor whose broker directory is itself a target map.
§10095 broker-of-record routing · Door 1b
The book ~655k policies · many theses
The aperture is the whole FAIR Plan book — not one segment. The engine scores every home, so each participant selects to its own appetite: Salem's is non-WUI high-value HO3 (replace, not wrap); an admitted re-entrant wants a controlled selective slice; other carriers will bring other theses (value bands, geographies, peril mixes, LMI mandates). The platform is thesis-agnostic — it makes any defensible selection possible and depopulates the FAIR Plan either way.
CDI Sustainable Insurance Strategy — reduced FAIR reliance = market-stabilization metric

Sourcing doors

1aClearinghouse
Carrier participates; FAIR Plan feeds policies; offer through the listed agent or broker of record (if any). Admitted = first option; nonadmitted lane live? — Q0.
§10095 · carrier signs, not the MGA
1bBroker onboarding
Recruit the productive FAIR-Plan brokers — they're already the AOR, so they route their own books. No agent-of-record friction.
§10095 broker-of-record routing
2Broker replacement
Direct §1763 diligent-search placement outside the clearinghouse — §1763.1 bars only the export-list shortcut, not SL writing. Can the CH record supply the declinations? — Q1.
§1763 · §1763.1