Every Vehicle.
Every Route.
One Policy
Engine.
Collision, liability, and comprehensive coverage priced against your actual telematics data — not actuarial tables built for someone else's fleet.
Personal Auto
Your Rate. Your Miles. Your Data.
Stop subsidizing someone else's risk profile.
Shield's telematics engine reads your actual driving behavior — hard braking frequency, night-mile ratio, highway vs. urban split — and prices your policy against your real risk, not a ZIP code average. Commuters in Phoenix shouldn't pay Chicago rates.
| Liability Coverage | $100K–$500K |
| Collision Deductible | $250–$2,000 |
| Comprehensive Deductible | $100–$1,000 |
| Claims First Contact | < 4 hours |
| Telematics Discount Range | Up to 31% |
| Policy Effective Date | Same day |
Commercial Fleet
Forty Trucks. One Policy. Zero Guesswork.
Multi-state fleet coverage priced on real route data.
Logistics coordinators running 10-to-500-unit fleets across state lines get a single policy engine that consolidates collision, cargo, general liability, and non-owned auto into one renewal date. Your ELD data feeds our underwriting model directly — rates update quarterly as your fleet's actual risk profile shifts.
| Fleet Size | 5–500 units |
| Combined Single Limit | Up to $5M |
| Cargo Coverage | $50K–$500K/load |
| Non-Owned Auto | Included |
| ELD Data Integration | Real-time feed |
| Quarterly Rate Review | Automatic |
Specialty Coverage
Classics. Dealer Lots. Rideshare Toggle.
Coverage that matches how the vehicle actually lives.
Dealership GMs need lot coverage that activates the moment a customer turns the ignition for a test drive, then resets when they return the keys. Classic car owners need agreed-value coverage with no depreciation surprises. Rideshare drivers need a policy that flips between personal and TNC commercial without a phone call every Monday morning.
| Dealer Open Lot Coverage | Per-vehicle, per-day |
| Test Drive Liability | Instant activation |
| Agreed Value (Classic) | Up to $500K |
| Rideshare Phase Toggle | App-controlled |
| TNC Commercial Period | Phase 1–3 covered |
| Inventory Coverage | Blanket or scheduled |
Client Results
The numbers speak.
So do our clients.
Annual premium reduction
"We switched from a broker who was quoting us on industry averages. Shield pulled our ELD data, ran the model, and came back $47,000 lower on annual premium for the same liability ceiling. That's not a rounding error — that's a driver's salary."
Darnell Okafor
VP Logistics Operations · Meridian Freight Solutions
Test-drive activation time
"Test-drive liability used to be a nightmare — three different policies, manual endorsements, and a two-day lag when a customer drove off the lot. Shield's dealer module activates the moment the key fob leaves the hook. My insurance manager gets an alert before I do."
Catalina Reyes
General Manager · Sunset Auto Group, Phoenix AZ
Policies consolidated
"I drive for two platforms and my personal car is a 2019 Camry. I used to carry three separate policies and switch them manually. Now I tap a button on Monday when I go TNC and tap it again on Friday. One premium, one app, zero coverage gaps."
Priya Nambiar
Rideshare Driver · Independent Operator, Chicago IL
Ready to price your actual risk?
Your fleet data is already
doing the underwriting.
Stop paying premiums calculated on someone else's accident history. Shield reads your telematics and prices your policy on your miles, your drivers, your routes.