WILDFIRE RISK & RESILIENCE

Insurance Advisory

Translate utility wildfire risk and mitigation progress into clear, financially meaningful information that supports sound underwriting and sustainable coverage.

WHAT WE DO

FEP helps insurers and utilities develop a shared, credible understanding of wildfire risk.

For insurers, we independently evaluate each utility’s risk profile, wildfire program maturity, and the credibility of its stated risk reduction. For utilities, we translate mitigation investments and demonstrated progress into a clear, supportable risk narrative that strengthens insurer engagement, supports premium optimization, and helps maintain access to coverage.

FEP bridges the gap between utility operations and insurance decision-making.

SERVICES

Independent support for insurers and utilities

01 Utility-specific wildfire risk profile and exposure assessment

02 Wildfire program maturity assessment and benchmarking

03 Independent evaluation of stated risk reduction

04 Financial consequence, liability, and residual exposure analysis

05 Underwriting diligence and insurance renewal strategy

06 Risk narratives, insurer communications, and supporting evidence

A structured, evidence‑based framework that translates wildfire program complexity into clear maturity signals for more informed underwriting and resilience investment.

WHAT THIS ENABLES

More informed underwriting, pricing, and policy decisions

Clearer, evidence-backed communication of mitigation progress

Better positioning for appropriate premiums, policy terms, and continued coverage

FEP PERSPECTIVE

Create a common language for risk, progress, and coverage.

Critical insurance decisions hinge on a utility’s underlying exposure and whether its mitigation efforts yield credible, defensible risk reduction. FEP combines extensive field experience, program maturity assessments, risk modeling, and financial expertise to quantify mitigation progress and effectiveness.

We translate exposure and risk reduction into dollars, identify residual risk, and evaluate the evidence supporting a utility’s risk narrative. This gives insurers greater confidence in their underwriting decisions while enabling utilities to better communicate their mitigation efforts, optimize insurance costs, improve terms, and secure appropriate coverage.

01 Utility-specific assets, operating practices, and sources of exposure

02 Program maturity, governance, implementation, and field performance

03 Baseline, reduced, and residual risk expressed in financial terms

04 Clear, credible narratives for underwriting, renewal, and stakeholder communication