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 is a U.S. wholesale/program market focused on contractor-oriented small to mid-size commercial business. For the requested lines, the clearest published underwriting guidance is on Workers’ Compensation and Inland Marine. Workers’ Compensation is marketed on a tiered basis (preferred, standard, non-standard) with published availability in 45 states on the 2025 product guide, while the website page states coverage in 48 states; practical takeaway is broad multi-state availability but confirm state eligibility before quoting. Preferred/target WC business includes contractor classes such as residential/commercial GCs, concrete flatwork/foundations, drywall, electrical, excavation, fencing, flooring, framing, grading, HVAC, insulation, janitorial, landscaping, masonry, decorative/structural metal erection, painting, paving, plastering, plumbing, remodeling, roofing, siding/decking, sign install/repair, solar install, swimming pool install/maintenance, tile/marble, and window/door installation. Published submission requirements for WC include a complete ACORD 130 and a completed Shield supplemental application. New venture WC is acceptable only with an owner resume showing at least 3 years of prior management experience. Solar WC is written under the roofing class and requires 5 years of loss runs. The 2025 WC guide also shows heightened requirements for roofing/roof-like business, including a minimum of 5 full years in operation, 4 full years of loss runs, and at least 5 full-time roofing employees; treat roofing/solar/related classes as more restricted and documentation-heavy. Broker notes: Shield promotes online tools, pay-as-you-go options, and producer login/rating access via its producer portal; contact the WC underwriting team for state/class confirmation and class-specific review. Inland Marine is contractor-focused and can be written standalone or added to a general liability policy. Published highlights include A-rated carriers, acceptance of new ventures and risks with lapse in coverage, and an online self-rater for all classes. Core coverage types include contractors equipment, installation floater, builders risk, business personal property/inventory, EDP equipment, and cyber liability. Standard target inland marine business includes builders risk for ground-up MNC/fire resistive construction up to $25M, ground-up joisted masonry up to $15M, and ground-up frame construction (capacity published on the product page); contractors block/equipment and installation floaters are targeted for street/road contractors, utility contractors, demolition contractors, environmental contractors, plumbers, electricians, and other artisans/GCs, generally up to $15M depending on class. Non-standard inland marine appetite is also published, including renovation builders risk, mono-line crane accounts, recyclers, concrete/asphalt producers, logging, single-item accounts, and certain plumber/electrician equipment schedules, generally with lower class-specific capacities such as $1M to $5M or $2.5M. Product terms published for smaller inland marine placements include a $1,000 deductible, no coinsurance, limits from $5,000 to $75,000, and premiums from $225 to $750. Geographic note: inland marine is advertised as available in most states, so confirm eligible states before binding. Producer/broker instructions across the site emphasize appointment first, online portal use for existing producers, and routing submissions/service to the appropriate underwriting team. No single formal declination list was found on the official site, so restrictions should be inferred mainly from the narrower class lists, capacity limits, and additional-document requirements for higher-hazard classes.