ShieldSix questions.
One uncomfortable answer.
Answer honestly. Each "yes" maps to a real coverage gap your child carries right now — one that your existing homeowner's or renters policy almost certainly does not close.
Does your child drive to campus or use a car at school?
Do they host gatherings or parties at their apartment or house?
Do they own or regularly care for a dog or other pet?
Do they have a social media following above 1,000 — or run a blog, podcast, or YouTube channel?
Do they run any kind of side hustle — tutoring, freelancing, photography, food delivery?
Do they live off-campus in an apartment or house — especially one with a balcony, deck, or pool?
Every gap you found.
Closed, specifically.
Shield isn't a generic policy layered on top of your existing coverage. Each clause is written to address the exact scenarios college students actually encounter.
Auto Liability Overflow
Up to $1M per occurrenceThe Scenario
Your child causes a multi-car accident. Medical bills alone hit $340K. Personal auto maxes at $100K.
Shield Closes It
Shield umbrella picks up the remaining $240K — and covers legal defense costs on top.
Social Host Liability
Up to $1M per occurrenceThe Scenario
A guest falls from a second-floor balcony at your child's apartment party. They sue for $280K.
Shield Closes It
Premises liability under the umbrella policy covers injury claims at your child's residence — regardless of whether they owned or rented.
Online Defamation & Content Claims
Up to $1M, defense costs includedThe Scenario
A post your child made goes viral. The subject files a defamation suit demanding $180K in damages plus attorney fees.
Shield Closes It
Shield's personal injury coverage includes libel, slander, and invasion of privacy — digital or otherwise.
Pet & Dog Bite Liability
Up to $1M per occurrenceThe Scenario
Your child's dog bites a neighbor's child. The family sues for $75K in medical costs and pain and suffering.
Shield Closes It
Animal liability under the umbrella extends coverage beyond the geographic limits of your homeowner's policy.
Side Hustle Business Activity
Up to $250K per claimThe Scenario
A tutoring client claims your child's advice caused them to fail a critical exam, costing them a scholarship. They file a negligence claim for $90K.
Shield Closes It
Shield's incidental business activity rider covers low-revenue solo ventures — the gap every standard policy excludes.
Off-Campus Premises Liability
Up to $1M per occurrenceThe Scenario
A visitor trips on a loose step at your child's rental. The landlord claims the tenant (your child) failed to report the hazard. Suit: $120K.
Shield Closes It
Tenant liability under the umbrella covers bodily injury claims arising from your child's leased residence.
Standard umbrella policies start at $150–$300/year for $1M in additional liability coverage — roughly the cost of one textbook per month. Coverage terms vary by carrier and state.
These parents didn't guess.
They found out.
"Our son rear-ended someone on the way to his internship. The other driver's lawyer filed a $420,000 claim. Our auto policy covered $100K. Shield covered the rest. We didn't touch a dollar of savings."
Margaret Calloway
Parent of a University of Michigan senior · Grosse Pointe, MI
"My daughter runs a photography business on campus. A client claimed she lost a $15,000 contract because of photos our daughter delivered late. No policy we had touched it. Shield's business activity rider did."
David Osei-Bonsu
Parent of a Georgetown University junior · Silver Spring, MD
"I never would have thought a tweet could cost six figures. My son made a joke about a local business. They sued him for defamation. $95,000 in legal fees. Shield covered it. He graduated debt-free."
Christine Nakamura
Parent of a UCLA senior · Pasadena, CA
The gap is real.
Closing it takes ten minutes.
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