Every objection you have,
answered honestly.
We pulled the exact questions freelancers type when they realize their current policy might not have their back.
Standard renters policies almost universally exclude equipment used for business purposes. That $3,200 mirrorless camera sitting in your bag by the door? If your insurer finds out it's how you make a living, they can deny the claim entirely. Shield explicitly covers professional equipment used for income-generating work — cameras, lenses, lighting rigs, audio gear, and everything in the kit.
Shield covers up to $25,000 in business equipment per policy. This includes cameras, drones, laptops, audio interfaces, gimbals, and any gear used in your professional practice. Off-premises coverage applies when gear is in your car, at a client location, or on a shoot.
This is the liability gap that keeps home-studio freelancers up at night — and the one most renters policies quietly exclude when a third party is on your premises for business purposes. Shield's gig liability coverage treats your apartment-as-studio the same way a commercial studio policy would, protecting you when clients, collaborators, or contractors are on-site.
Gig liability coverage up to $1,000,000 per occurrence. Covers bodily injury, property damage, and personal/advertising injury when clients visit your home for work. Includes defense costs even if the claim turns out to be groundless.
Your car insurance doesn't cover what's inside the car. Your renters policy usually has a sublimit that doesn't account for commercial-purpose property. Shield covers your insulated delivery bags, phone mounts, and other gig equipment whether it's in your hallway between shifts or sitting in the back seat during a delivery window.
Equipment-in-transit coverage follows your gear everywhere — car, bike, e-bike, or on foot. Covers damage, theft, and loss up to $2,500 for delivery equipment. No gap in coverage between your home and your route.
Standard renters policies cover "personal property" — meaning your stuff, not your stock. Inventory held for resale is explicitly excluded by most carriers. Shield treats your closet-warehouse the same as a small business would treat its stockroom, covering inventory loss from fire, water damage, theft, and other covered perils.
Inventory coverage up to $15,000 for e-commerce and handmade goods sellers. Covers raw materials, finished goods, and supplies held at your insured address. Includes off-premises coverage for goods in transit to buyers or at craft fairs.
Personal property coverage in a standard policy would cover a desk you use personally. The moment that desk becomes a business asset — the backdrop for client calls, the surface where you edit client work — insurers can reclassify it and deny a claim. Shield covers your entire remote-work setup as the functional workplace it actually is.
Home office equipment coverage up to $10,000. Covers monitors, keyboards, ergonomic furniture used for work, ring lights, webcams, microphones, and any peripheral equipment that's part of your professional setup. Coverage applies to damage from power surges, accidental damage, and theft.
See What's Actually Covered
This is the comparison your current insurer doesn't want you to run.
Average Shield policy: $28–$42 / month
From the people it actually helped.
Real claims. Real resolutions. No testimonials from people who never filed one.
"I had $14,000 in camera gear and my old policy covered exactly zero of it for "commercial use." Shield replaced my stolen Sony FX3 within 8 days. No argument, no "business exclusion" clause."
"A pipe burst in the unit above mine and wiped out $6,200 in finished inventory. Shield paid out in full. My previous carrier said inventory "held for resale" wasn't covered. That clause is buried on page 34."
"Someone broke into my car and took three insulated delivery bags, my phone mount, and my portable charger. $340 in gear. Shield covered it. I didn't even expect them to — most people don't know that's a thing."
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