Approach
Write what belongs on our paper. Structure the rest.
Specialized coverage is complicated. General liability, directors & officers, and excess liability are issued by Shield. Property, commercial crime, special events, and other lines are facilitated so the program can be read as one.
The split
Written, and arranged.
Some risks belong on Shield paper: liability arising from the premises and from events, excess liability above that layer, and the personal protection of directors and officers. Those forms are manuscripted and issued by Shield.
Other risks belong in a program even when they do not sit solely on our paper. Property for scheduled locations, crime covering organizational funds, special events, and related lines are structured so deductibles, limits, and wording do not fight each other.
Reinsurance, when used, is a tool of the Company — not a substitute for the capital a licensed insurer is required to hold.
The case
Four reasons the form sits here.
01
Written to the risk
Wording that follows how the organization actually operates — the premises, the events, the people who govern — not a bureau form designed for a thousand dissimilar risks.
02
A single program
Liability, property, crime, and the lines that sit beside them are structured together — so the program does not come apart at the seams.
03
A clear reading
The coverages are described so officers and advisors can decide. Complexity is the given; an intelligible program is the work.
04
Capital with discipline
An insurer holds surplus, sets reserves, and reports. That discipline is the point of putting coverage on our paper.
Correspondence
Talk to Shield.
Coverage questions, claims notices, and certificates of insurance — for the organization and the people who advise it.