Shield Commercial Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Shield Commercial Insurance Services publishes contractor-focused Workers’ Compensation and Inland Marine guidance on its official site. Workers’ Comp is marketed in 48 states with tiered preferred/standard/non-standard placement and a stated contractor appetite that includes GC (residential/commercial), concrete, drywall, electrical, excavation, fencing, flooring, framing, grading, HVAC, insulation, janitorial, landscaping, masonry, metal erection, painting, paving, plastering, plumbing, refrigeration, remodeling, roofing, sandblasting, septic, siding/decking, sign installation, solar, pool installation/maintenance, tile/marble, and window/door installation. The 2025 Workers’ Comp product guide adds operational underwriting detail: contracting risks generally require at least a $5,000 minimum premium, at least 3 years in business or equivalent experience, and currently valued loss runs; roofing risks are more restricted, with a $75,000 minimum premium before assessments/taxes, at least 5 full years in operation, at least 4 full years of loss runs, and at least 5 full-time roofing employees. Required Workers’ Comp submission items include a complete ACORD 130, Shield supplemental application, and loss runs valued within 90 days; new ventures require a resume covering the owner’s prior 5 years of experience. Published Workers’ Comp declines/restrictions include volunteer coverage, work over 40 feet, work below 12 feet, temporary employment agencies as named insureds, coverage excess of self-insured retention policies, risks excluded by applicable reinsurance treaty, and risks with serious OSHA violations in the last 3 years. Inland Marine is also contractor-oriented and available in most states, with online self-rating, acceptance of new ventures and lapse-in-coverage accounts, A-rated carriers, and coverages for contractors equipment, installation floater, builders risk, business personal property/inventory, EDP equipment, and cyber liability. Stated Inland Marine terms include a $1,000 deductible, no coinsurance, limits from $5,000 to $75,000, and premiums from $225 to $750 for the online product offering. Inland Marine standard target classes include builders risk and contractors equipment for the same contractor segments listed above, with published capacity examples of up to $25M for ground-up noncombustible/fire resistive construction, $15M for ground-up joisted masonry, $5M for frame construction, $20M for light civil and certain renovations, $5M for solar projects, $2.5M for blanket/project-specific installation floater, and generally $15M for many contractor equipment classes. Non-standard Inland Marine targets are specifically listed rather than broadly declined, including structural renovation builders risk, mid-term builders risk, rigging, waterborne projects, mono-line crane accounts, recyclers, concrete/asphalt producers, logging, and single-item accounts, generally with capacities around $1M to $5M depending on class. Broker/producer notes published on the site: Shield uses an online rater (recommended browser: Google Chrome), aims for roughly 24-hour GL submission turnaround, will consider paper contractors, requires all binding documents before binding and allows upload/email of required items, and instructs brokers to contact the underwriter/customer service to unlock revised submissions or to resolve class-code issues. Geographic note: Workers’ Comp explicitly says coverage in 48 states, while both Workers’ Comp and Inland Marine pages say available in most states; producers should verify eligible states through Shield before quoting/binding.