Equipment Insurance · Built for Professionals

Your gear. Named. Valued. Covered.

Underwriting built around serial numbers, not blanket policies. Every device named, every claim pre-documented, every payout fast.

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Shield Dashboard — Policy #SHD-2024-0841
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Active Policy — Marcus Webb

Portland, OR · 3 devices covered · Renewed Feb 2026

All Systems ActivePro Plan
Device
Serial No.
Market Value
Status
Deductible
Renewal
MacBook Pro 16″
C02ZK1XXMD6T
$2,849
Active
$0
03/15/2027
DJI Mavic 3 Pro
DJI2024MV3P-0041
$2,199
Active
$50
06/01/2027
Sony FX6 Camera
SNC-FX6-00882
$5,999
Active
$0
11/22/2026
Total Coverage

$11,047

Monthly Premium

$38.50

Open Claims

0

A-rated carrier
Claims in 24 hrs
Coverage in 140+ countries
No depreciation on Pro
Spec Sheet

Coverage that reads like a data sheet

Every policy dimension, laid out the way a tech reviewer would spec a device. No fine-print surprises.

Coverage Dimension 01

Accidental Damage

Drops, spills, crush damage — covered at replacement cost, not depreciated book value.

Coverage Limit
Up to full market value

As of policy date

Depreciation Model
Zero depreciation

Pro plan

Response Time
Assessment in 4 hrs
Claim Steps
3 steps: report · assess · pay
Proof Required
Serial number + photo
Exclusions
Intentional damage, cosmetic only
Real-World Scenario

Your MacBook Pro hits the studio floor.

A cable snag sends your MacBook off the edge of the edit desk. Screen cracked, GPU damaged. Standard renters insurance caps out at $1,500 and applies 40% depreciation on a 2-year-old device.

Shield result
$2,849 replacement payout in 22 hours
Coverage Dimension 02

Theft & Mysterious Disappearance

Documented by serial number — no police report required for items under $2,500.

Coverage Limit
Full replacement value
Police Report
Not required ≤ $2,500
Proof of Ownership
Serial number on file
Response Time
Payout in 24 hrs confirmed
International
Covered in 140+ countries
Exclusions
Unattended in public, unlocked vehicle
Real-World Scenario

Camera bag lifted from a rental car in Barcelona.

Your Sony FX6 and two L-mount lenses disappear from a rental car boot during a location scout. No police report filed — you are on a tight production schedule. Generic gadget insurance denies the claim.

Shield result
$5,999 payout, no report required
Coverage Dimension 03

Transit & Checked Baggage

Airline handlers, courier drops, and Pelican case impacts — all in scope.

Coverage Limit
Full per-device value
Carriers Covered
Air, road, freight, courier
Packing Requirement
OEM case or equivalent
Deductible
$0 on Pro, $50 on Standard
Response Time
18 hrs average payout
Exclusions
Loose in hold without case
Real-World Scenario

Your drone clips a bridge railing in Lisbon.

Mid-flight during a real-estate shoot over the Tagus River, your DJI Mavic 3 Pro strikes a cable and goes into the water below. You have 20 minutes of footage and a $2,199 loss. Transit coverage extends to active use in field conditions.

Shield result
$2,199 replacement shipped in 36 hrs
Coverage Dimension 04

Depreciation Override

When your 18-month-old server rack fails, you need a new one — not a pro-rated check.

Depreciation Model
Override to market value
Age Limit
Devices up to 5 years old
Inventory Coverage
Unopened stock included
Fleet Discount
10+ devices: 15% premium off
Renewal Lock
Value locked at enrollment
Exclusions
Devices > 5 yrs at enrollment
Real-World Scenario

Fifty MacBooks in onboarding, one gets fried.

Your IT fleet of 52 MacBook Pros is mid-refresh cycle. A power surge in a satellite office kills three units. Homeowner rider pays $800 per unit at depreciated value. You paid $1,899 each six months ago.

Shield result
$5,697 paid at current market value
Comparison Engine

Shield vs. everything else

Twelve line items. Amber marks what's covered. Gray dashes mark the gaps your current policy leaves open.

Coverage Feature
Shield
Serial-number policy
Homeowner Rider
Typical terms
Gadget Insurance
Generic plan
Per-item coverage limit
Full market value
$1,500 cap
$500 cap
Depreciation model
Zero depreciation (Pro)
Actual cash value
Actual cash value
International transit
140+ countries
—
—
Serial-number enrollment
—
—
Proof-of-loss process
3 steps, online
Adjuster visit required
Mail-in form
Payout speed
18–24 hrs average
14–30 days
7–14 days
Drone / UAV coverage
—
—
Server rack / rack-mount gear
—
—
Unopened inventory coverage
—
—
Fleet / multi-device discount
15% off 10+ devices
—
—
Mysterious disappearance
No report ≤ $2,500
—
Police report req.
Deductible
$0 on Pro plan
$500–$2,500
$50–$200
Verdict
12 / 12
Full coverage
4 / 12
Major gaps
5 / 12
Major gaps

Seen enough? Get coverage for your specific devices in under 2 minutes.

Get a Quote by Serial Number
47,200+
Devices enrolled
As of Feb 2026
18 hrs
Average payout time
Confirmed claims
$0
Deductible on Pro
Most popular plan
98.4%
Claim satisfaction
2025 survey, n=1,840
In the field

From the people who read spec sheets for breakfast

"I filed a claim for a cracked MacBook screen on a Tuesday morning. By Wednesday afternoon, a replacement had been ordered. I've never seen anything move that fast in insurance."

Marcus Webb, male videographer in his mid-30s with short hair

Marcus Webb

Freelance Videographer

Portland, OR

8 devices covered

"We cycle 50+ MacBooks through onboarding every quarter. Shield lets us register every serial number upfront. When something goes wrong, there's no debate about what was covered."

Priya Nair, South Asian woman in professional attire

Priya Nair

IT Manager, Cascade Digital

Austin, TX

52 devices on fleet plan

"I had $18,000 in unopened inventory in my spare bedroom. Standard renters insurance wouldn't touch it. Shield covered every unit by serial number before I even listed them."

Derek Osei, Black man in casual clothing with a confident expression

Derek Osei

Electronics Reseller

Atlanta, GA

$18K inventory covered
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Get a Quote by Serial Number

Three fields. Sixty seconds. Coverage that knows your gear by name.

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Policy issued in 24 hrs
$

You'll enter individual serial numbers in the next step. This quote is based on device type and estimated value — no serial required to start.

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Backed by an AM Best A-rated insurer

24-hr policy issuance

Active coverage by tomorrow morning

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