01
Premises
Buildings and related property at scheduled locations, on all-risk or named-peril wording as the program provides.
Coverage · 02
Property insurance, structured to the premises.
Scheduled buildings, their contents, and time-element loss — arranged as a program with primary, excess, and difference-in-conditions layers where they belong. The issued wording is the contract.
The program
What a property program is built to hold.
02
Contents
Furniture, fixtures, and other business personal property, including tenant improvements where they apply.
03
Loss of use
Time-element loss following a covered property event — extra expense, loss of rents, and the period of restoration the form defines.
04
Program structure
Primary, excess, and difference-in-conditions layers arranged so the premises sit with the rest of the organization’s coverages.
The premises
Not every dollar of the building sits on one form.
A working property program often needs more than a single policy: the building, contents, deductibles that match how the premises are actually used, and excess that does not leave a gap.
Shield facilitates that structure. Some layers may be issued by the Company; others are placed so the program still reads as one. The issued forms govern.
Schedules
Send a location list. Ask for a reading.
Property inquiries should include the location address, occupancy, and any existing underlying or excess in force.