How much of your family's future
is unprotected?
Enter your household profile. Your coverage gap appears before you finish.
Your Coverage Breakdown
Your current coverage profile.
Binds within 48 hours · No obligation · A-rated carriers only
The Shield Guarantee
Promises specific enough to feel contractual.
Because a new parent's anxiety isn't vague — and neither are our commitments.
"Your policy binds within 48 hours or we cover the gap at our expense."
Binding Timeline
Our carrier relationships and pre-underwriting process mean your family is protected before the weekend, not after next month's follow-up call. This commitment is written into your engagement letter.
48hrs
Maximum binding time — or we pay the gap
"Zero coverage lapses during carrier transitions — guaranteed in writing."
Carrier Transition Protocol
When we move your coverage to a stronger carrier, the new policy effective date overlaps the old by 24 hours minimum. We maintain a signed confirmation from both carriers before we touch anything.
0
Coverage lapses in our practice history
"If your premium increases more than 8% at renewal, we re-shop every A-rated carrier within five business days."
Annual Rate Defense
We pull comparative quotes from all 14 A-rated carriers we work with. You receive a written comparison with our recommendation. If we can't beat the increase, we explain exactly why and what you get for it.
14
A-rated carriers we actively shop at every renewal
"Your dedicated advisor answers within four business hours — every time, in writing."
Response Commitment
New parents don't have time to chase voicemails. Every inquiry receives a written response within four business hours, and complex questions get a scheduled call within 24 hours. This SLA is tracked and reported monthly.
4hrs
Maximum response time — tracked and reported
Who This Is For
The moment your world expands
beyond two.
Shield was built for households where the stakes are too high for standard coverage — and where the right policy is the difference between a setback and a catastrophe.
Physicians & Surgeons
Professional exposure follows you home
You carry $3M in malpractice. But a distracted-driving accident involving your personal vehicle has no connection to that policy. Your home and retirement accounts are exposed.
$2.1M–$8M
Typical unprotected personal liability for a practicing physician household
Attorneys
High-profile practice, high-profile targets
Your professional reputation makes you a preferred defendant. Personal injury attorneys, opposing counsel, and disgruntled parties know your net worth is searchable. Your personal assets need a wall.
$1.8M–$6M
Typical unprotected personal liability for a partner-track attorney household
First-Time Homebuyers Expecting
Closing on a house while building a nursery
You've just signed a mortgage that represents 30 years of commitment. The contractor finishing your nursery slips on your front steps. Your new equity is the first thing a plaintiff's attorney looks for.
$900K–$3M
Typical unprotected personal liability at the moment of first home purchase
Dual-Income Households at $250K+
Two incomes, twice the future at stake
Both of you are building careers. A judgment that exceeds your coverage limits can garnish wages across both income streams for years. Your combined earning potential is your biggest asset — and your biggest target.
$1.4M–$5M
Typical unprotected personal liability for a dual high-income household with children
If you recognized yourself in any of these — your coverage gap is real.
See My Coverage GapA-rated carriers we actively place
$0
Coverage lapses in practice history
8 years, 340+ families
31hrs
Average policy binding time
Against our 48-hour guarantee
97%
Client retention at renewal
2023–2024 cohort
14
A-rated carriers actively quoted
At every renewal cycle
Client Voices
The quiet exhale after the door clicks shut.
"We closed on our house in Westchester on a Thursday. Shield had the umbrella policy bound by Saturday morning. I didn't know that was even possible."
Rachel & James Okonkwo
Pediatrician & Corporate Counsel, New York
"After my second child was born I kept thinking about what would happen if someone got hurt on our property. My advisor walked me through exactly what was exposed. That conversation was worth more than the premium."
Dr. Priya Mehta
Attending Physician, Chicago
"I'm a litigator. I know exactly what a plaintiff's attorney looks for when they're deciding how hard to push. Shield made sure my personal life isn't the answer to that question."
Thomas Aldridge
Partner, Aldridge & Crane LLP, San Francisco
Get Covered
Lock In Your
Family's Rate.
Three steps. No obligation. Your advisor reviews your profile and calls within one business day.
Step 1 of 3 — Household Profile
Free Guide
The New Parent Liability Checklist
9 gaps your current policy doesn't cover — and the exact questions to ask your agent before your baby arrives.
The contractor gap most homeowners miss
Why your auto limits are almost certainly wrong
Professional liability that follows you home
The swimming pool / trampoline clause
5 more gaps new parents overlook