Seven-figure lives deserve coverage that matches.
One excess-liability layer above every policy you own — the yacht, the Telluride home, the board seat, the teenage driver — sitting quietly until the day a judgment exceeds it.
How exposed are you, exactly?
Adjust the inputs below. Your live coverage gap appears on the right — built from your numbers, not averages.
Exposure Types
Unprotected Exposure
of your potential exposure is unprotected by current policies
Recommended Umbrella
$5.0M
≈ $1,100 / year · less than $3/day
No obligation · Your data is never sold
What courts actually award. Not what carriers hope.
The rows below are drawn from filed judgments. Each one shows the coverage that existed, the award that arrived, and the gap that exposed personal assets to seizure.
Dog-bite attack by neighbor's Presa Canario
Georgia Circuit Court
exposed
Teenage driver — multi-vehicle collision, long-term injury
Miami-Dade County
exposed
Guest slip on icy driveway — spinal injury
Cook County, IL
exposed
Watercraft collision — two passengers, permanent disability
Palm Beach Circuit Court
exposed
Domestic employee wrongful termination + injury claim
Los Angeles Superior Court
exposed
Board director — shareholder derivative action
Delaware Court of Chancery
exposed
49
"Thermonuclear" verdicts in 2024
up from 27 in 2023
$51M
Median "nuclear" verdict
Rose 35% over the last decade
2×
Umbrella claims doubled
2010 → 2020 per III data
Every gap. One instrument. One premium.
Your existing policies are the foundation. The umbrella is the single layer that sits above all of them — activated only when a judgment exceeds what they hold.
Defense costs are paid outside the limit. If a $2M umbrella faces litigation, your insurer funds attorneys separately — not from your $2M. The Miami family above received $85,000 in legal defense on top of the $1.1M judgment covered.
Matched to Chubb, PURE, Cincinnati, or Vault based on your profile
The four carriers who actually write this risk.
Shield holds appointments with every major HNWI umbrella market. We submit to all four simultaneously and present the best structure — not the best commission.
Chubb
Breadth & claims excellence
Worldwide coverage · EPLI for residential staff
PURE
Member experience & retention
Risk managers assigned to each account
Cincinnati
Financial stability · A+ rated
60-year track record, no carrier drama
Vault
Admitted & E&S flexibility
Complex risk profiles, non-standard assets
You've seen the gap. Close it today.
A Shield advisor reviews your profile, submits to all four carriers simultaneously, and returns with a bound quote — typically within 48 hours. No forms beyond what you've already entered.
Margaret Holloway
Senior Risk Advisor · Chubb & PURE Specialist
David Kwan
Director, Complex Risk · Cincinnati & Vault
Average response time: 4 business hours · No obligation
HNWI Liability Gap Report
42 pages. Real verdict data. Coverage sizing methodology used by advisors at Chubb and PURE. Sent immediately to your inbox — no calls scheduled unless you ask.
- Full verdict database: 2019–2024
- Coverage sizing formula (net worth + income buffer)
- Carrier comparison matrix: Chubb vs PURE vs Cincinnati
- Checklist: 12 exposure types most advisors miss