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LIVE PLATFORM DATAUpdated every 60s
Live
$0M
in claims paid this quarter
Q1 2026
Live
0
home-businesses covered
across 48 states
Live
0s
average quote time
no agent required

Your home runs your business. We protect both.

No credit card · Takes 90 seconds
THE PROBLEM

68%of home-based business owners carry zero commercial rider.

Your homeowner policy was written for a family eating dinner — not a reseller shipping 300 orders a month. One burst pipe, one kitchen-table client injury, one stolen laptop full of client files: your insurer calls it a business loss and walks.

Average uninsured business loss: $47,200

Where standard homeowner policies fail business owners

Inventory loss not covered94% exposed
Client liability gaps78% exposed
Business interruption83% exposed
Equipment & tools71% exposed

Source: Shield Claims Database, 2025 · n = 4,200 policyholders

THE SOLUTION

One policy. Every corner of your home business.

Shield layers a commercial rider directly onto your existing homeowner policy — no separate binder, no new agent, no overlap. It fills every gap your current carrier ignores.

Coverage ItemStandard HOShieldLimit
PropertyInventory & stock on premises
Up to $150,000
PropertyBusiness equipment & tools
Up to $75,000
LiabilityClient injury on your property
$1M per occurrence
LiabilityProfessional errors & omissions
$500K aggregate
BusinessLost income during repairs
Up to 12 months
BusinessData & digital asset recovery
Up to $25,000

How Shield activates in 3 steps

01

Get your Coverage Score

Answer 9 questions about your home and business in 90 seconds. Our engine maps your exact exposure — inventory value, client traffic, equipment, liability surface.

→ Free · No commitment
02

Review your gap analysis

See exactly what your current homeowner policy misses — line by line. Every gap has a dollar figure attached so you know precisely what's at stake.

→ Instant · No agent call
03

Lock in your rate

One click adds Shield's commercial rider to your existing policy. No new carrier, no new agent, no paperwork maze. Your home business is covered before you close the laptop.

→ Same-day activation
REAL CLAIMS · REAL OWNERS

The people Shield actually covers.

Not stock photos. Not marketing copy. Real policyholders, real claims, real payouts — all verified.

"

I had $23,000 in polymer clay and resin inventory in my spare bedroom. My homeowner carrier laughed at my claim after the pipe burst. Shield paid out in 11 days.

$23,400
covered
11 days
to resolve
MH
Maren Holloway
Etsy seller · Resin art & home décor
Portland, OR
"

A client tripped on my front step coming in for a tax appointment. My homeowner policy covered the house, not the business. Shield's liability rider covered the settlement — $85K.

$85,000
covered
19 days
to resolve
DS
Devraj Subramaniam
CPA · Home-based tax practice
Fremont, CA
"

My garage holds $67,000 in HVAC tools and a work van. Shield was the only carrier that understood I'm a contractor first, homeowner second. Quoted in 4 minutes.

$67,000 covered
covered
4 min quote
to resolve
BK
Brianna Kowalczyk
HVAC contractor · 1-person LLC
Columbus, OH
4,200+verified claims paid
A+AM Best rating
48states covered
< 15 daysavg. claim resolution
FREE · NO COMMITMENT

Find out exactly what your
current policy misses.

Answer 9 questions. Get an instant, line-by-line breakdown of where your homeowner policy leaves your business exposed — with dollar amounts attached to every gap.

90-second analysis
No agent required
Instant results

Already covered 11,400 home businesses · A+ rated carrier · 48 states

11,400 home businesses already covered. Is yours?