You spent thirty years
building it.
One lawsuit erases it
in thirty minutes.
Your homeowners, auto, and professional liability policies each have a ceiling. Above that ceiling — nothing. Shield fills the gap with coverage from $1M to $10M, for premiums that cost less than a weekend at the lake house.
What your existing policies actually cover
— and where they stop.
Hover any cell to see the real claim scenario behind it. Every row below represents a judgment that has happened to someone whose net worth looked exactly like yours.
| Liability Situation | Homeowners | Auto | Professional Liability | Shield Umbrella |
|---|---|---|---|---|
| Dog bite at the lake house | Partial Up to $100K | Not Covered | Not Covered | Covered Shield pays the remaining $240,000. You owe nothing. |
| Teen driver at-fault accident | Not Covered | Partial Up to $250K | Not Covered | Covered Shield covers the $950,000 gap. Your assets remain untouched. |
| Defamation suit from former client | Not Covered | Not Covered | Partial Up to $1M (defense only) | Covered Shield extends above your professional policy to cover the judgment gap. |
| Guest drowns in your pool | Partial Up to $300K | Not Covered | Not Covered | Covered Shield absorbs the $1.8M above homeowners. Your retirement savings are protected. |
| Rental property slip-and-fall | Not Covered | Not Covered | Not Covered | Covered Shield covers rental properties directly — a gap most professionals don't realize exists. |
| Volunteer board member sued | Not Covered | Not Covered | Not Covered | Covered Shield can extend to board member liability — critical for retired executives on nonprofit boards. |
Hover any cell to reveal the real claim scenario · Scenarios based on documented insurance judgments 2019–2025
The gap above your policies is real.
Find out what it costs to close it — for your specific asset profile.
What does $3M of umbrella coverage cost?
Less than your cable bill.
Tell us about your household below — we'll highlight the tier that matches your exposure profile.
| Feature | Essential $1M Coverage | ★ Recommended Preferred $3M Coverage | Comprehensive $5M Coverage |
|---|---|---|---|
Coverage Limit | $1,000,000 | $3,000,000 | $5,000,000 |
Estimated Annual Premium Based on clean driving record, no prior claims, single-family home. Final premium varies by state and carrier. | $180 – $280 | $280 – $420 | $420 – $600 |
Cost per $1M of Coverage | ~$230/yr | ~$117/yr | ~$100/yr |
Personal Injury (Libel/Slander) | |||
Rental Property Liability | |||
Watercraft & Recreational Liability | — | ||
Volunteer Board Member Coverage | — | ||
Worldwide Coverage | — | ||
Defense Costs Outside Limits | — | — | |
Employer Liability (Household Staff) | — | — | |
Trust & Estate Coverage | — | — | |
Ideal For | Single home, 1–2 vehicles, no rentals | Rental property, boat, teen driver, $2M–$5M net worth | $5M+ net worth, multiple properties, board roles, household staff |
| Premiums based on standard risk profile · Actual quote in 60 seconds | Get Quote | Get This Quote → | Get Quote |
Three real exposure profiles.
One of them looks like you.
Profiles are anonymized composites based on actual Shield clients. Premiums reflect 2025–2026 carrier pricing for standard risk profiles.
| Detail | 🏥 The Dentist | 📊 The Retired CFO | ⛵ The Couple |
|---|---|---|---|
| Profile | Dr. Margaret Holloway, 58 — Oral surgeon, semi-retired, owns 4 residential properties in Tennessee | Robert Ashford, 63 — Retired CFO, sits on boards of 2 nonprofits and 1 private company | David & Karen Mercer, 55 & 52 — Dual-income, $2.1M net worth, pool, 22-foot boat, teen son with license |
| Existing Policies | Homeowners ($300K), Auto ($250K), Professional Liability ($1M) | Homeowners ($300K), Auto ($250K), D&O through one nonprofit ($500K) | Homeowners ($300K), Auto ($300K each driver), Watercraft ($100K) |
| Highest Exposure | Rental property slip-and-fall, dog bite at vacation home, former patient defamation suit | Board member derivative suit, personal liability from nonprofit decisions, investment property incident | Teen at-fault accident ($1M+ judgment common), boating accident, pool drowning |
| Largest Coverage Gap | $1.7M — Professional suit above policy limit + rental property incident | $2.1M — Board member judgment above D&O limit + personal property incident | $1.4M — Teen driver at-fault + boat liability above watercraft policy |
| Shield Coverage Selected | $3M Preferred — Covers rental properties, personal injury, above professional liability | $5M Comprehensive — Board member coverage, worldwide, defense costs outside limits | $3M Preferred — Watercraft, teen driver, pool — full household coverage |
| Annual Premium | $340 / year | $520 / year | $410 / year |
| Coverage vs. Premium Ratio | $3M protection for $0.93/day | $5M protection for $1.42/day | $3M protection for $1.12/day |
| Assets Protected | Four properties, retirement accounts, medical practice equity — $3.8M total | Investment portfolio, home, board reputational assets — $4.2M total | Primary home, boat, retirement accounts, college savings — $2.1M total |
Which profile are you closest to?
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