Navigation modifier for different actors

Hello,
I’m looking for a way to set unwalkable areas for different actors for AI in such way I have control over it in such way that I can switch if actor can set paths and walk through the area, the areas are made as blueprints forming a floor, and have different colours only actors with certain colours should be able to walk through them and in some certain case of “alarm” ignore that restriction.
I thought of creating collision channels and setting some invisible objects that work on those channels but I consider it a bit clunky way of dealing with the problem, is there any clever way to deal with that?