Underwriter-reviewed explainers, dated cost benchmarks and a renewal system for owners, freelancers and contractors who have to make coverage decisions alone.
Most small business owners buy insurance twice: once in a hurry because a client demanded a certificate, and once again after a claim taught them what they actually bought. The second purchase is always better informed and usually cheaper.
ShieldWise exists to move that learning forward. We read the forms, publish the benchmark assumptions, and separate the questions that change your price (class code, payroll, claims history, limits) from the ones that just change the sales pitch.
We are not an agency. We cannot bind coverage and we earn nothing from a policy you buy — only, sometimes, from a quote request you choose to make. That is stated on every page it applies to.
General liability, product liability, professional liability and the overlaps between them.
Workers' compensation, employment practices and commercial auto exposure.
Cyber liability, tech E&O and the controls underwriters require before they quote.
What it costs, how to compare, and the paperwork clients demand.
The full overview, the scored comparisons and the free calculators.
ShieldWise publishes general insurance education, not advice. Coverage, exclusions, pricing and eligibility vary by carrier, state and business. Read the policy wording and speak to a licensed agent or broker before you buy.