In case of embezzlement, a Capital Shield policy owner would file a claim and Capital Shield will handle the process of recovery and indictment. In absence of insurance policy, you may consult your lawyer to recover your lost assets. The investor typically would have to follow legal course of action against the investment advisor or the firm. The process could be lengthy and expensive. This risk is currently assumed (likely unknowingly) by the investor. With Capital Shield policy, you transfer this responsibility to Capital Shield and save on legal fees and the time it will take to follow the process in courts.