01
When it belongs
A line is considered when it sits with coverages already in force. Shield does not operate as an open market for every class of risk.
Coverage · 07
Whatever still belongs with the program.
Related coverages are considered when they sit beside liability, property, the officers, crime, excess, and special events. Shield does not operate as an open market for every class of risk.
Considered
Lines that travel with the rest.
02
Companion forms
Underlying, excess, and manuscript endorsements are read together so a residual line does not fight the rest of the program.
03
The issued wording
Limits, retentions, who is an insured, and every exclusion live in the issued form. Where this website and the form differ, the form governs.
Correspondence
Describe the line. We will say whether it belongs.
Other-lines inquiries should name the coverage, the underlying or companion forms, and why it sits with the existing program.