Three claims that destroy businesses every week.
Standard policies have hard ceilings. Umbrella coverage starts exactly where they end.
Employee trips a pedestrian. Judgment lands at $1.4M.
A technician's unsecured ladder strikes a passerby outside a commercial job site. The injured party is a software engineer, 38, with documented lost wages. The jury awards $1.4M. Your general liability policy caps at $1M.
Without umbrella coverage
GAP EXPOSEDTotal claim judgment
$1,400,000
$1,000,000 GL
29% exposed — owner liable for the difference
Shield catches the $400K that punched through your GL limit.
The umbrella policy activates the moment your general liability limit is exhausted. It covers the $400,000 judgment gap and $68,000 in additional legal costs — for a policy that costs $52/month.
With Shield umbrella coverage
SEALEDTotal claim judgment
$1,400,000
$1M GL + $2M Umbrella
Full claim absorbed — business assets protected
Delivery van rear-ends a family. Three injuries, one permanent.
Your driver runs a red light on a catering delivery. The other vehicle carries a family of three. One passenger sustains a spinal injury. Total damages, including future medical care: $2.1M. Your commercial auto policy limit: $500K.
Without umbrella coverage
GAP EXPOSEDTotal claim judgment
$2,100,000
$500,000 Commercial Auto
76% exposed — owner liable for the difference
Umbrella stacks above your auto limit. Restaurant stays open.
Commercial auto pays its $500K limit. Shield's umbrella activates and covers the remaining $1.6M judgment plus ongoing medical costs — protecting your equipment, your lease, and your liquor license.
With Shield umbrella coverage
SEALEDTotal claim judgment
$2,100,000
$500K Auto + $3M Umbrella
Full claim absorbed — business assets protected
Crew damages a $900K irrigation system. Client sues for lost harvest.
A crew working on a 40-acre vineyard severs an underground irrigation line. The vineyard loses 60% of its summer harvest. Replacement costs plus consequential damages total $870,000. Your GL covers property damage up to $300K.
Without umbrella coverage
GAP EXPOSEDTotal claim judgment
$870,000
$300,000 GL Property
66% exposed — owner liable for the difference
Consequential loss covered. Twenty other client jobs protected.
Shield's umbrella bridges the $420K gap in property damage and covers legal costs. Your business credit, equipment loans, and contracts with 20 other clients remain intact — because one job site incident didn't cascade.
With Shield umbrella coverage
SEALEDTotal claim judgment
$870,000
$300K GL + $2M Umbrella
Full claim absorbed — business assets protected
Find your coverage gap in 2 minutes.
Five questions. A concrete number you can take to any carrier — or use to start a 15-minute call with a Shield specialist.
Your Risk Score
Low Exposure
Preliminary estimate
Recommended coverage: $1,000,000
Estimated monthly: $38 – $55/mo
Estimate updates as you answer. Final quote requires underwriting review.
Claims that would have ended businesses. Didn't.
Commercial Auto Excess
$780,000
"One of my guys backed a truck into a loading dock and the owner sued for $780,000 in lost inventory plus the dock repair. My commercial auto topped out at $500K. Shield's umbrella covered the $280K gap — I didn't even have to touch my business account."
$280,000 covered by umbrella
Marcus Okonkwo
Owner, Precision HVAC Services
Columbus, OH
Premises Liability Excess
$1,200,000
"A customer slipped near the bar at closing. Claimed a brain injury. The jury came in at $1.2M — way past my $1M GL. I'd been in business 14 years. That $200K gap would have closed the restaurant. Shield caught it."
$200,000 + legal fees covered
Carmen Delgado
Owner, La Hacienda Restaurant Group
San Antonio, TX
Property Damage / Consequential Loss
$430,000
"A crew accidentally cut a fiber line running under a client's property. The telecom company sued for service disruption — $430K. My GL had a $300K property sub-limit. The $130K difference would have wiped out two years of profit. The umbrella was $44 a month."
$130,000 covered by umbrella
Brian Terhune
Principal, Terhune Grounds & Irrigation
Fresno, CA
One question left
How much would a $1.4M judgment cost your business?
The assessment is free. The gap analysis is yours to keep. A specialist call is 15 minutes.
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