Last Updated: January 2026
Welcome to the website, mobile application, and online services (collectively, the “Service”) of Shield Liability, LLC, doing business as Insurance Services by Shield (“Shield,” “we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy, and if you purchase, request issuance, renew, reinstate, or modify any surety bond and/or insurance product or service through the Service, you also agree to our Indemnity and Disclosure Agreement (the “Indemnity Agreement”). If you do not agree to these Terms or the Privacy Policy, you must not use the Service, and if you do not agree to the Indemnity Agreement, you must not purchase or request issuance of any bond and/or insurance product or service through the Service. These Terms form a binding legal agreement between you and Shield regarding your use of the Service.
Company and Licensing: Shield is a California limited liability company licensed as an insurance agency in California and Texas, with plans to operate in additional U.S. states. These Terms are intended to apply to our Service in all jurisdictions in which we do business, without the need for frequent updates as our geographic scope expands.
Your use of the Service is also subject to our Privacy Policy, which describes how we collect, use, and protect your information. We are committed to handling personal data in compliance with applicable laws, including the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident, you have specific rights regarding your personal information (such as rights to access or delete data) under these laws. Please review our Privacy Policy for a description of those rights and how to exercise them. Nothing in these Terms is intended to limit our obligation to comply with CCPA/CPRA or any other applicable privacy laws. We do not sell personal information, and we will not discriminate against you for exercising any privacy rights.
Shield is committed to making our Service accessible to individuals with disabilities. We strive to comply with the Americans with Disabilities Act (ADA) and applicable accessibility standards in the design and operation of our website and mobile apps. Features such as text alternatives for images, keyboard navigability, and compatibility with screen readers are provided wherever feasible. If you experience any difficulty accessing any part of our Service, please contact us and we will make reasonable efforts to accommodate your needs. You can reach our accessibility coordinator at support@shieldliability.com or via phone at (888) 900-8038.
The Service is intended for use by adults. You must be at least 18 years of age (or the age of majority in your jurisdiction) to use our Service or to purchase any insurance or other services through us. By using the Service, you represent that you meet this age requirement and are legally capable of entering into a binding contract. The Service is directed to individuals in the United States. If you choose to access the Service from outside the U.S., you are responsible for compliance with any local laws.
No Coverage Bound or Altered: The content and tools available on our Service (including online quotes, applications, emails, or voicemails) are for informational and convenience purposes only. No insurance coverage can be bound, amended, or canceled through the Service alone. Submitting information through our website or app, or contacting us electronically, does not automatically result in insurance coverage or any changes to existing coverage. Coverage becomes effective only when explicitly confirmed in writing by a licensed Shield agent (and, when required, approved by the applicable insurance carrier). We may assist you in obtaining quotes or applying for policies, but actual coverage is subject to the terms and conditions of the issued policy and the insurer’s acceptance.
No Guarantee of Coverage or Terms: Nothing on the Service constitutes a promise that any particular insurance product or coverage will be available to you. All insurance descriptions are general and for reference only; actual eligibility, premiums, terms, and availability of coverage are determined by insurers and applicable law. The Service and its content do not guarantee that you will qualify for insurance or receive any specific policy terms or rates. Always consult directly with one of our licensed agents to confirm coverage details and effective dates.
All information, content, and materials provided on the Service are for general informational and educational purposes only. While we strive to provide useful and accurate information about insurance, nothing on our Service constitutes legal, financial, or professional advice specific to your situation. The Service should not be your sole basis for making insurance, legal, or financial decisions. You should consult with qualified professionals or licensed insurance agents (for example, by speaking directly with a Shield agent) for advice tailored to your needs. Any reliance you place on information obtained through the Service is at your own risk. If you have questions about your insurance needs, coverage options, or any information on our Service, please contact us directly for guidance.
We expect users to use our Service responsibly and lawfully. By using the Service, you agree that you will not:
Your compliance with the above standards is a condition of your use of the Service. If you violate these Terms or misuse the Service, we reserve the right to terminate or suspend your access without notice. You are responsible for any consequences (including costs or liabilities) arising from your breach of this section.
Our Service may include or provide access to content, functionality, and services provided by third parties, including: (a) links to third-party websites or resources; (b) integrations with third-party software, tools, or platforms; or (c) insurance quotes or other services provided by carriers or partners. These are provided for your convenience, but Shield does not own or control third-party services.
The Service and all content, materials, text, images, logos, graphics, designs, audio, video, software, and other components on the Service (collectively, the “Content”) are the property of Shield or its licensors and are protected by copyright, trademark, and other intellectual property laws. Shield retains all rights, title, and interest in and to its Content, trademarks (including “Insurance Services by Shield”), and service marks.
Limited Personal Use License: Shield grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Service and Content for your own personal, non-commercial use, strictly in accordance with these Terms. You may not copy, reproduce, distribute, publicly display, create derivative works from, republish, upload, or transmit any Content from our Service without our prior written permission, except for any sharing functionalities expressly provided within the Service. You may download or print a reasonable number of individual pages of the website for your personal use only, provided you do not remove any proprietary notices or copyright markings.
Prohibited IP Uses: You must not misuse our intellectual property. This means you cannot: remove or alter any copyright, trademark, or other proprietary notices; use any of our trademarks or domain names without authorization; or use any automated means (such as bots or scraping tools) to access or extract Content from the Service without our permission. If you submit feedback or suggestions about our Service, we may use them without obligation to you.
We employ commercially reasonable security measures to protect the integrity and confidentiality of information you provide. However, no method of transmitting or storing data electronically is completely secure or error-free. You understand that information transmitted over the Internet (including via our Service) may be susceptible to interception, attack, viruses, or other risks beyond our control. Accordingly, we cannot guarantee the security of any data you transmit to us, and any transmission of data is at your own risk. Once we receive your data, we will use strict procedures and security features to try to prevent unauthorized access, but we disclaim liability for the malicious acts of third parties such as hackers.
Virus Disclaimer: Shield does not warrant or represent that the Service will be uninterrupted, secure, or free of errors, viruses, or other harmful components. You are responsible for ensuring that any device or computer you use to access our Service has up-to-date antivirus and security software. We will not be liable for any loss or damage caused by viruses or other technologically harmful material that may infect your computer equipment, software, data, or other property due to your use of our Service or your downloading of any Content, or on any website linked to our Service. By using the Service, you acknowledge these inherent risks and agree that Shield is not responsible for any security incident or breach that is not due to our own gross negligence.
Use “As-Is” and At Your Own Risk: The Service and all Content are provided on an “AS IS” and “AS AVAILABLE” basis. Shield disclaims all warranties and conditions of any kind, whether express, implied, or statutory, including but not limited to implied warranties of title, non-infringement, merchantability, fitness for a particular purpose, and any warranties arising from course of dealing or usage of trade. We make no guarantees that the Service or Content will meet your expectations or requirements, or that the Service will be available on an uninterrupted, secure, or error-free basis.
In particular, Shield makes no warranty that: (a) the Service will always be available or error-free, or that any defects will be corrected; (b) the Service will be free from viruses, malware, or other harmful components; (c) the information on the Service will be accurate, complete, reliable, or timely (although we strive for accuracy); or (d) any results or quotes obtained through the Service will be correct or sufficient for your purposes. You assume all risk for any use of the Service and Content.
Not a Guarantee of Results: Any statements or descriptions concerning insurance products on our Service are for general informational purposes and not intended to be binding on us or any insurer. Past performance or testimonials on the Service do not guarantee future results.
Exceptions: If applicable law does not allow the exclusion of certain warranties, those warranties are limited in duration to the minimum period permitted by law and the scope of the warranty is limited to the minimum extent permitted. Some jurisdictions provide specific legal rights to consumers; nothing in these Terms will affect any rights you may have under such laws.
To the fullest extent permitted by applicable law, Shield and its officers, directors, employees, agents, affiliates, and business partners will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind arising out of or in connection with your access to or use of (or inability to use) the Service or any Content, even if we have been advised of the possibility of such damages. This exclusion includes, but is not limited to, any loss of profits, loss of business or business opportunities, loss of data, damage to reputation, or the cost of substitute services.
To the extent permitted by law, Shield’s total cumulative liability for any claims arising out of or relating to these Terms or the Service will not exceed the amount (if any) you paid to us for the specific service or product at issue in the claim, or one hundred U.S. dollars ($100), whichever is greater. If applicable law prohibits the limitation or exclusion of liability for certain damages, then our liability will be limited to the maximum extent permitted by law. In such jurisdictions, liability is limited to the smallest amount legally allowed.
This limitation of liability is a fundamental part of the agreement between you and Shield and shall apply to all claims of liability (e.g., contract, tort, negligence, strict liability, or any other theory). You acknowledge that absent your agreement to this limitation, the terms and pricing (including the free nature of the website) would be different.
You agree to indemnify, defend, and hold harmless Shield, its parent, subsidiaries, and affiliates, and their respective officers, directors, employees, and agents (collectively, the “Shield Parties”) from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys’ fees) that arise out of or relate to: (a) your use or misuse of the Service; (b) your violation of these Terms or of any law or regulation; or (c) your infringement of any intellectual property or other rights of any third party. This indemnification obligation includes any claims made by other users or third parties against the Shield Parties arising from your content or information you submit, post, or transmit through the Service, or from your actions.
Shield reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (at your expense), and you agree to cooperate with our defense of such claim. You agree not to settle any such matter without the prior written consent of Shield. Your obligation to indemnify survives any termination of these Terms or your use of the Service.
Please read this section carefully, as it affects your legal rights. This section provides that most disputes between you and Shield must be resolved by binding arbitration on an individual basis, rather than in court. You are waiving the right to a trial by jury and the right to participate in a class or representative action. This arbitration provision is governed by the Federal Arbitration Act and is intended to be broadly interpreted.
14.1. Initial Dispute Resolution: Most concerns or disputes can be resolved informally by contacting us at disputes@shieldliability.com. We encourage you to reach out to us first, and we will attempt in good faith to resolve the matter informally. If we cannot resolve the dispute through customer service dialogue, the provisions below will apply.
14.2. Agreement to Arbitrate: Except for the limited exceptions described below, you and Shield agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any products or services obtained through the Service, or the breach, termination, enforcement, interpretation, or validity thereof (collectively, “Disputes”), shall be resolved solely by binding arbitration on an individual basis, not in court. “Dispute” is to be interpreted broadly and includes claims based on any legal theory, whether arising in contract, statute, tort (including fraud, misrepresentation, or negligence), or otherwise. This includes disputes about the enforceability or interpretation of this arbitration agreement itself.
14.3. Waiver of Class Actions and Jury Trial: There is no judge or jury in arbitration, and court review of an arbitration award is limited. You and Shield agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. You further agree that the arbitrator shall not consolidate or join the claims of multiple parties and shall have no authority to hear any class or representative proceeding (except as noted below for certain California claims). You are expressly waiving your right to a jury trial or to participate in a class action for all Disputes subject to this arbitration agreement.
14.4. Arbitration Procedures: Arbitration will be conducted by the American Arbitration Association (AAA), or another reputable arbitration provider mutually agreed upon, under the Consumer Arbitration Rules of the AAA (the “AAA Rules”) in effect at the time the arbitration is initiated. You may initiate an arbitration by submitting a demand to AAA. If the AAA is unavailable or unwilling to handle the dispute, and if we cannot agree on a substitute, a court of competent jurisdiction can appoint an arbitrator. The arbitration will be decided by a single neutral arbitrator. The arbitrator is bound by the terms of these Terms and shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, except for the enforceability of the class action waiver clause above (which a court may decide if needed).
14.5. Exceptions – Small Claims and Injunctive Relief: Notwithstanding the foregoing agreement to arbitrate, either party may elect to have an individual claim heard in small claims court (or an equivalent state court) for disputes or claims within that court’s jurisdictional limits, as long as the matter remains in that court and is not removed or appealed to a higher court. In addition, nothing in this arbitration agreement will be deemed to waive, preclude, or otherwise limit the right of either party to seek public injunctive relief in a court of law, where applicable. Specifically, if you are a California resident, you have the right to pursue a claim for public injunctive relief (i.e. an injunction that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the general public) in a court with proper jurisdiction, and this arbitration agreement does not require you to arbitrate that limited form of relief. However, all other claims for monetary damages or private relief are subject to arbitration as required above.
14.6. Opt-Out Right: You have the right to opt out of this arbitration agreement if you do not wish to be bound by it. To opt out, you must send a written notice via email to optout@shieldliability.com or via U.S. mail to our mailing address (provided in the Contact Us section below). Your opt-out notice must include your name, address, the email address associated with your account or use of our Service (if any), and an unequivocal statement that you opt out of the arbitration agreement. To be effective, this opt-out notice must be sent within 30 days of the date you first accept these Terms (for example, the date you first use the Service after these Terms have gone into effect). If you do not opt out within this 30-day period, you and Shield shall be bound by the arbitration agreement as set forth in these Terms. If you choose to opt out of arbitration, Shield will also not be bound by the arbitration agreement. Opting out of arbitration has no effect on the rest of these Terms, such as the governing law or forum selection provisions.
14.7. Severability of Arbitration Provisions: If any portion of this Section 14 (arbitration and class action waiver) is found to be invalid or unenforceable, that portion shall be severed and the remainder of this Section 14 shall remain in full force and effect, except that if the class action waiver in Section 14.3 is found to be unenforceable in a particular case, then the entirety of this arbitration agreement shall be null and void for that case. In such an event, the dispute must be brought exclusively in a state or federal court of competent jurisdiction as set forth in Section 15 below, and no class or representative actions shall be permitted. This arbitration agreement will survive the termination of your relationship with Shield and any use of the Service.
These Terms, and any dispute arising between you and Shield (whether or not subject to arbitration), shall be governed by and construed in accordance with the laws of the State of California, U.S.A., without regard to its conflict of law principles. This governing law applies regardless of your location or the jurisdiction where you access the Service, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions above.
Jurisdiction and Venue: Subject to the arbitration agreement above, you agree that any judicial action (including any court proceedings to enforce an arbitration award, or any claim not subject to arbitration) will be brought in the state or federal courts of competent jurisdiction located in Los Angeles County, California, unless another location is required by applicable law. You and Shield both consent to the personal jurisdiction of those courts and waive any objections to venue in those courts. Notwithstanding the foregoing, Shield may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.
We reserve the right to modify or update these Terms at any time in our sole discretion. If we make material changes, we will post the updated Terms on our website and update the “Last Updated” date at the top. We may also notify you by email or through other conspicuous means. Please check these Terms periodically for updates. Your continued use of the Service after updated Terms are posted (and after we have provided any notice that may be required by law) constitutes your acceptance of the changes. If you do not agree to a change, you must stop using the Service. No modification or amendment to these Terms will apply to any dispute that we had actual notice of before the posting of the updated Terms.
Entire Agreement: These Terms (along with our Privacy Policy and any other policies or guidelines incorporated by reference) constitute the entire agreement between you and Shield regarding the Service, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and us with respect to the Service.
No Waiver: Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or of the right to enforce it in the future. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Shield.
Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms will remain in full force and effect.
Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may freely assign these Terms (in whole or in part) to a subsidiary, affiliate, or any successor to our business or assets. These Terms are binding upon and will inure to the benefit of the parties and their respective successors and permitted assigns.
No Third-Party Beneficiaries: Except as expressly provided in the section regarding App Store providers (within Section 8 above), these Terms do not confer any rights or remedies on any person other than you and Shield. No third party shall have the right to enforce any of the terms herein.
Relationship of Parties: You and Shield are independent contracting parties. These Terms do not create any partnership, franchise, joint venture, agency, fiduciary, or employment relationship between the parties. You are not an agent or representative of Shield, and you shall not assert or imply that you have authority to bind Shield in any way.
Headings and Construction: The section titles and headings in these Terms are for convenience only and have no legal or contractual effect. In these Terms, the words “including” and “include” mean “including, but not limited to.” These Terms will not be construed against the drafter.
Force Majeure: Shield will not be liable for any delay or failure to perform any obligation under these Terms if the delay or failure is due to unforeseen events beyond our reasonable control, such as acts of God, natural disasters, war, terrorism, civil disturbances, supply shortages, strikes, fires, pandemics, or interruptions in telecommunications or power. In such events, our obligations will be suspended for the duration of the event.
If you have any questions, concerns, or comments about these Terms or the Service, or if you need to contact us for any reason (including to provide any required notices or to resolve a dispute), you may reach us at:
We value our customers and users. Thank you for reading these Terms of Use carefully. By using our Service, you acknowledge that you understand and agree to these Terms. Enjoy our website and services, and please do not hesitate to contact us if you need any assistance or have any questions.