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Commercial Insurance Claims: Know What You're Owed

Every type of business incident. Every US state. Free claim analysis that cites your actual policy language — so you walk into negotiations knowing your number.

Analyze My Claim Free → Browse by Incident
$14,200
avg gap between first offer and fair value
419+
claim keywords covered
50
states — know your local law
Free
policy analysis, no credit card
⚠ Not legal advice. Shielded is a knowledge-sharing platform. All content is informational only. For legal representation, consult a licensed attorney in your state.
Browse by Incident Type
Select what happened to your business. Get the keywords, coverage facts, and documentation checklist.
🔥
Fire & Smoke Damage
Kitchen fires, electrical fires, structure fires, smoke and soot damage
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Water & Flood Damage
Burst pipes, roof leaks, sewer backup, sprinkler malfunction, flooding
⛈️
Storm & Weather Damage
Hail, wind, hurricane, tornado, lightning, ice storm, fallen tree
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Theft & Burglary
Break-ins, robbery, employee theft, equipment theft, copper theft
🪟
Vandalism & Riot Damage
Graffiti, window smashing, property destruction, riot and civil unrest damage
⚠️
Slip & Fall / Premises Liability
Customer and employee injuries on business premises, parking lot accidents
⚙️
Equipment Breakdown
HVAC failure, refrigeration breakdown, boiler, electrical equipment, machinery
🚫
Business Interruption
Lost income during forced closure, government order shutdowns, utility failures
🏗️
Structural Damage
Roof collapse, ceiling failure, foundation damage, wall collapse, glass breakage
☣️
Mold & Environmental
Mold damage, chemical spills, gas leaks, asbestos, contaminated soil
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Power & Utility Failures
Extended outages, power surges, transformer explosions, utility line damage
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Cyber Attacks & Data Breach
Ransomware, data breach, wire fraud, business email compromise
🚗
Vehicle & Auto Accidents
Company vehicle accidents, vehicles hitting your building, parking lot incidents
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Employee Injury & Workplace Accidents
Workers compensation, employee lawsuits, workplace violence, employment practices
🍖
Food Spoilage & Contamination
Power outage food loss, refrigeration failure, food poisoning liability, health closure
⚖️
General Liability Claims
Third-party bodily injury, property damage, advertising injury, product liability
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Business Property Theft & Fraud
Internal fraud, check forgery, computer fraud, business identity theft
🍽️
Restaurant & Food Service Claims
All insurance claims specific to restaurants, cafes, bars, food trucks, catering