SHIELDRegulatory Credentials & Industry Recognition
AM Best
A+ Rated Partners
Lloyd's Coverholder
London Market
DIFC Regulated
Dubai Jurisdiction
FCA Authorised
United Kingdom
MAS Licensed
Singapore
98% Retention
Verified 2025
ISO 27001
Data Security
BIBA Member
Broker Association
CMAP Certified
Claims Excellence
Cyber Endorsed
Digital Assets
AM Best
A+ Rated Partners
Lloyd's Coverholder
London Market
DIFC Regulated
Dubai Jurisdiction
FCA Authorised
United Kingdom
MAS Licensed
Singapore
98% Retention
Verified 2025
ISO 27001
Data Security
BIBA Member
Broker Association
CMAP Certified
Claims Excellence
Cyber Endorsed
Digital Assets
What Your Current Policy
Doesn't Know About You
Every row below is a real exposure. Every gap is a real gap. Read it like a checklist — and notice how many boxes your current umbrella leaves unchecked.
| Exposure Category | Scenario | Domestic Umbrella | Expat-Specific Policy | Shield International | At Stake |
|---|---|---|---|---|---|
| Personal Liability | Slip-and-fall at leased villa in Algarve, Portugal | US/UK policy excludes EU situs incidents | Host-country policy may cover, limit €500k | Unified €5M limit, no territorial exclusion | EU court awards average €1.8M in premises liability |
| Directorship Exposure | Shareholder derivative suit, Singapore-listed entity | D&O excluded from personal umbrella | Separate D&O required, coverage gap between policies | Personal liability wrap bridges D&O gap, SGD 10M | Average SGX derivative claim: SGD 4.2M legal costs alone |
| Domestic Staff Abroad | Household employee injury, Dubai residence | Employer liability requires UAE-registered policy | Most expat policies exclude non-EU domestic staff | Global employer liability, all jurisdictions, AED 3M | UAE Labour Court: mandatory AED 200k+ compensation |
| Watercraft Liability | Charter vessel incident, French Riviera waters | Marine excluded; territorial waters limit applies | French policy covers hull, not third-party liability | Mediterranean watercraft endorsement, €3M P&I | Monaco maritime court: minimum €800k third-party liability |
| Defamation — Cross-Jurisdiction | Publication defamation claim, civil-law and common-law systems simultaneously | Common-law defamation only; civil-law excluded | Single-jurisdiction policy cannot bridge legal systems | Dual-system coverage, coordinated defence, £5M | Cross-border defamation: dual-system defence costs £1.2M+ |
| Cyber-Personal Liability | Data breach at home network exposing client data | Cyber excluded from standard umbrella | Business cyber policy does not extend to residence | Personal cyber liability endorsement, $2M, all residences | GDPR personal liability: up to €20M or 4% of global income |
| Reputational Harm | Social media crisis management and PR liability | Reputational harm not covered in standard policies | Some crisis PR costs covered, no legal defence | Reputational harm cover with crisis PR retainer, $1M | Executive reputational crisis: avg. $500k crisis management cost |
Seven gaps. One policy that closes all of them.
Score My Global ExposureScore My Global
Exposure
Five questions. One personalised risk score. No quote — just clarity on where you stand.
Where is your primary residence?
The jurisdiction of your main home determines your baseline liability framework.
Covered Across
Every Jurisdiction
I had a D&O policy in Singapore, a personal umbrella in the UK, and a villa policy in Portugal — and not one of them talked to the others. Shield found three material gaps in the first call. We were covered within six weeks.
Group CFO, APAC Region
Based in Singapore, assets in 5 jurisdictions
My trailing spouse visa meant my personal liability wasn't covered under my husband's corporate policy. Shield structured a standalone umbrella that covered me personally in three countries — including our domestic staff in Dubai.
Independent Trustee & Philanthropist
Based in UAE, residences in France & UK
I sit on boards in three countries. The advice I received elsewhere was to buy separate D&O in each jurisdiction. Shield structured one international umbrella with a directorship wrap that costs 40% less and covers everything.
Serial Entrepreneur & NED
Based in London, board seats in 4 countries
0+
Jurisdictions Covered
0%
Client Retention Rate
0 days
Average Claim Settlement
0
Year Established
The Expat Liability
Gap Report
32 pages of jurisdiction-specific analysis covering the seven most common coverage gaps for high-net-worth expatriates. Written by our senior brokers — not a marketing team.
- Real case studies from 7 jurisdictions
- Directorship exposure: the hidden personal risk
- How to audit your current umbrella in 15 minutes
- The three questions your broker should answer
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"Sign here — you're covered everywhere."
Score My Global ExposureNo commitment. No quote on-page. 90 seconds to clarity.