What Your Existing Policies Don't Cover
The gap is larger than you think.
You host a housewarming.
A guest trips on the back-deck stairs. Torn ACL, three surgeries, lost wages. Your renters policy covers $100K. The judgment comes in at—
01Personal judgment
Standard auto and renters policies do not cover this difference. Your personal assets do.
You lend your car to a friend.
A distracted moment at an intersection. The other driver's medical bills, rehab, and future earnings claim stack up. Your auto policy caps at $300K. The gap—
02Uncovered liability
Standard auto and renters policies do not cover this difference. Your personal assets do.
A tenant slips on your duplex steps.
You closed on the property six months ago. Your landlord policy seemed solid. The plaintiff's attorney finds a maintenance gap. Total exposure—
03Total exposure
Standard auto and renters policies do not cover this difference. Your personal assets do.
You post something online.
A former colleague claims defamation. The suit names you personally. Your employer's coverage doesn't extend to personal social accounts. Discovery alone costs—
04Claimed damages
Standard auto and renters policies do not cover this difference. Your personal assets do.
One policy. Every asset. One clean, heavy click.
Shield wraps a personal umbrella around everything below — the same scenarios, the same numbers — and changes the outcome on the right.
With Shield Umbrella Coverage
Every scenario. Same outcome.
You host a housewarming.
A guest trips on the back-deck stairs. Torn ACL, three surgeries, lost wages. The judgment comes in at $340,000.
01Shield absorbs the judgment above your existing policy limits. Your assets stay yours.
You lend your car to a friend.
An intersection collision. Medical bills, rehab, lost earnings. The uncovered liability reaches $820,000.
02Shield absorbs the judgment above your existing policy limits. Your assets stay yours.
A tenant slips on your duplex steps.
Your landlord policy has a gap. The plaintiff's attorney finds it. Total exposure: $1,200,000.
03Shield absorbs the judgment above your existing policy limits. Your assets stay yours.
You post something online.
A defamation claim names you personally. Discovery costs alone, $2,000,000 in claimed damages.
04Shield absorbs the judgment above your existing policy limits. Your assets stay yours.
Shield Personal Umbrella
The cost of inaction is already on this page.
The cost of coverage takes sixty seconds.
Most umbrella policies for young professionals run $150–$300 per year. That's less than a single billable hour — and it covers the judgment that would otherwise take everything you've built.