---
title: "biBerk vs Founder Shield"
description: "Compare biBerk’s direct small-business insurance with Founder Shield’s broker-arranged coverage for venture-backed and high-growth companies."
canonical: "https://spot.insure/compare/biberk-vs-foundershield"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---
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[Human-readable page](https://spot.insure/compare/biberk-vs-foundershield)
# biBerk vs Founder Shield
Compare biBerk’s direct small-business insurance with Founder Shield’s broker-arranged coverage for venture-backed and high-growth companies.
## Before You Quote
Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.
## Highlights
biBerk describes a direct small-business insurance route, while Founder Shield helps venture-backed and high-growth businesses arrange coverage from insurers; compare the risk focus and get the proposed policies, insurer and contracting producer identified before binding. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [15](https://foundershield.com/ "Founder Shield") [16](https://foundershield.com/terms-of-service/ "Terms of Service")
## Provider Reliability Assessments
These sourced assessments are shown for context; this comparison does not select a winner.
### biBerk
Role: Insurance carrier.
Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.).
Read the [full reliability assessment](https://spot.insure/insurance-providers/biberk/reliability).
### Founder Shield
Role: Broker.
Broker Spot Score: **5.3/10** (partial score; 40% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.).
Read the [full reliability assessment](https://spot.insure/insurance-providers/foundershield/reliability).
## biBerk Reviews
Review Score: 9.0 / 10 from 3 rated sources, equally weighted.
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.
- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)
Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).
## Founder Shield Reviews
Review Score: 7.4 / 10 from 1 rated source, equally weighted.
Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.
- Trustpilot: TrustScore 3.7 (5 stars); 1 reviews. Trustpilot profile for foundershield.com; one US customer review, categorized as insurance broker/business insurance. Period: Review 2023-03-14; none in prior 12 months. Checked 2026-09-25. [foundershield.com Reviews | Trustpilot](https://www.trustpilot.com/review/foundershield.com)
Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/foundershield/reviews).
## Introduction
biBerk describes direct insurance for small businesses and common commercial lines. Founder Shield serves venture-backed and high-growth companies and helps them arrange coverage with insurers; its terms say it does not insure risks or decide whether claims are covered. If you are buying common small-business protection, biBerk’s direct route may be the simpler place to start. If your company is raising capital, scaling quickly or preparing for an IPO, ask Founder Shield which specialist lines and insurer markets fit the current stage. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [15](https://foundershield.com/ "Founder Shield") [16](https://foundershield.com/terms-of-service/ "Terms of Service")
## Coverage Comparison
| Coverage Type | biBerk | Founder Shield |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: Founder Shield lists transit and transportation coverage for goods in transit or stored offsite. [25](https://foundershield.com/coverage/ "Coverage") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Founder Shield lists property insurance among its core offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Contract frustration](https://spot.insure/coverage/contract-frustration) | Not listed | Listed: Founder Shield lists Key Person & Contract Frustration among its specialized offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: Founder Shield lists crime insurance among its core offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") | Listed: Founder Shield lists cyber liability among its core offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Digital assets](https://spot.insure/coverage/digital-assets) | Not listed | Listed: Founder Shield lists digital-asset insurance among its specialized offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Founder Shield lists directors and officers insurance among its core offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: Founder Shield lists Employee Health & Benefits among its services. [25](https://foundershield.com/coverage/ "Coverage") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Founder Shield lists employment practices liability among its core coverage services. [25](https://foundershield.com/coverage/ "Coverage") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Founder Shield lists ERISA fidelity bonds among its specialized coverages. [25](https://foundershield.com/coverage/ "Coverage") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Founder Shield lists fiduciary liability among its core coverages. [25](https://foundershield.com/coverage/ "Coverage") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") | Listed: Founder Shield lists general liability among its core coverage offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Generative AI liability](https://spot.insure/coverage/generative-ai-liability) | Not listed | Listed: Founder Shield markets generative-AI liability for US businesses with revenue up to $10 billion that use generative AI but do not sell it as a standalone product. [28](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Not listed | Listed: Founder Shield lists hired and non-owned auto among its specialized coverage offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Not listed | Listed: Founder Shield arranges intellectual property insurance. [25](https://foundershield.com/coverage/ "Coverage") |
| [Key person](https://spot.insure/coverage/key-person) | Not listed | Listed: Founder Shield lists key person insurance among its specialized coverages. [25](https://foundershield.com/coverage/ "Coverage") |
| [Last-mile delivery](https://spot.insure/coverage/last-mile-delivery) | Not listed | Listed: Founder Shield lists last-mile delivery among its specialized coverage offerings. [25](https://foundershield.com/coverage/ "Coverage") |
| [Media liability](https://spot.insure/coverage/media) | Not listed | Listed: Founder Shield arranges media liability insurance for content creators. [42](https://foundershield.com/coverage/content-creator/ "Content Creator Insurance") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: Founder Shield lists product liability insurance. [25](https://foundershield.com/coverage/ "Coverage") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") | Listed: Founder Shield lists errors and omissions for lawsuits alleging inferior work or service. [25](https://foundershield.com/coverage/ "Coverage") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: Founder Shield lists representations and warranties insurance for mergers and acquisitions. [25](https://foundershield.com/coverage/ "Coverage") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") | Listed: Founder Shield lists umbrella insurance. [25](https://foundershield.com/coverage/ "Coverage") |
| [Venture capital asset protection](https://spot.insure/coverage/venture-capital-asset-protection) | Not listed | Listed: Founder Shield lists venture capital asset protection for management and investment-advisory liability. [25](https://foundershield.com/coverage/ "Coverage") |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Not listed | Listed: Founder Shield lists virtual care and telehealth insurance for tech-enabled healthcare companies. [25](https://foundershield.com/coverage/ "Coverage") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") | Listed: Founder Shield lists workers’ compensation insurance. [25](https://foundershield.com/coverage/ "Coverage") |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
## Optional Spot Service Handoff
Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.
## Coverage and Application
Founder Shield lists startup packages and options including D&O, cyber, E&O, employment practices, fiduciary and crime coverage, as well as a standalone generative-AI liability product for eligible businesses. biBerk’s catalogue includes BOP, general liability, workers’ compensation, commercial auto and professional liability; its cyber option is an add-on to specified base policies. Compare individual policy forms and limits because neither catalogue means every line is available to your business. [25](https://foundershield.com/coverage/ "Coverage") [28](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk")
A preserved observation of Founder Shield’s public Create Account screen shows Google, Microsoft and email/password sign-in choices; it ends before registration and does not establish the application or underwriting steps. biBerk describes an online path to answer questions, choose coverage and pay, while noting that state and product availability limit who can complete a purchase online. Ask Founder Shield for the submission steps and written bind confirmation, and ask biBerk whether your specific risk can complete online. [22](https://apx.foundershield.com/register "Create Account") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online")
## Policy Issuer and Contracting Details
Founder Shield says its broker does not insure the risk; its reviewed materials do not resolve which legal producer will appear on a new engagement. biBerk identifies four insurers collectively for most policies sold through its site but not for a particular policy. Before binding, get the contracting producer, issuing insurer and claims contact in the proposal or policy documents. [16](https://foundershield.com/terms-of-service/ "Terms of Service") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures")
## Compare Services
What each provider documents about the services you may need.
| Criteria | biBerk | Founder Shield |
| --- | --- | --- |
| Business role | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer.; verified: 2026-09-28.) | Founder Shield helps businesses choose and arrange insurance with insurers; its terms say it does not insure risks or decide whether claims are covered. [15](https://foundershield.com/ "Founder Shield") [16](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Brand’s documented intermediary role. No assertion of current state licensure or universal underwriting authority.; verified: 2026-09-15.)
Founder Shield is part of The Baldwin Group, which lists it among acquired firms; Founder Shield describes its role as the group’s innovation arm. [17](https://foundershield.com/about-us/ "About Us") [18](https://baldwin.com/partnerships/ "Partnerships") (Evidence: Company-reported; scope: Current brand relationship corroborated by the group’s own site. No claim about ultimate investors, public listing status or a current intermediary ownership chain.; verified: 2026-09-15.)
Confirm the producer for your account: Founder Shield’s terms identify The Baldwin Group Specialty Solutions, LLC, while its license disclosures identify Foundershield LLC. [16](https://foundershield.com/terms-of-service/ "Terms of Service") [38](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Not found in reviewed sources; scope: The retained terms and licensing sources disclose those names separately. They do not establish a subsidiary relationship, merger, successor relationship or the producer for a particular account.; verified: 2026-09-29.)
If regulatory compliance matters to your selection, note that New York DFS fined Foundershield LLC $36,600 for late excess-line filings covering 2019–2023; the 2025 consent order concerns filing compliance, not claims payment. [38](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Verified; scope: August 21, 2025 disciplinary notice, PDF page 6, visually checked against the original. Does not establish current license status, remediation, policy invalidity or a pattern of claims conduct.; verified: 2026-09-15.) |
| Customer focus | biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. The homepage FAQ says availability depends on the state and type of insurance; the industry list is illustrative, not an eligibility guarantee. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: U.S. small-business audience and examples on biBerk’s national site; examples are illustrative. The homepage says availability depends on the state and type of insurance; listed categories do not establish individual eligibility.; verified: 2026-09-28.) | Venture-backed and high-growth businesses from early rounds through IPO can use Founder Shield’s industry practices in technology, life sciences, finance, retail and transportation. [15](https://foundershield.com/ "Founder Shield") [20](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.) |
| Coverage lines | biBerk offers cyber and data-breach protection as an add-on to General Liability, Professional Liability, or a Business Owners Policy (BOP); the page does not present this as a stand-alone product. The types of response expenses and affected-person services depend on the selected base policy and terms. [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business cyber add-on. Jurisdiction and availability depend on state and underwriting. Company-reported page description; the issued policy and endorsement control coverage.; verified: 2026-09-29.)
biBerk describes its small-business BOP as combining General Liability and commercial property in one policy. Its page gives examples of third-party injury/property-damage liability and protection for buildings or leased space, contents, inventory, tools, and business income after covered property damage; the issued policy controls. [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business Business Owners Policy. State availability and exact terms depend on underwriting and the issued policy. Company-reported coverage description, not a policy-form determination.; verified: 2026-09-29.)
biBerk says its umbrella coverage applies only when the claim concerns coverage included in an appropriate underlying liability policy and that policy’s limits have been reached. An umbrella does not add a line such as commercial auto when the required underlying auto coverage is absent; the issued terms control. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business umbrella/commercial excess. In New York, biBerk calls it commercial excess. Underlying coverage and exhaustion conditions are company-described; confirm the scheduled underlying policies and issued terms.; verified: 2026-09-29.)
biBerk’s commercial-auto page lists bodily-injury and property-damage liability, medical-payments/no-fault, uninsured-motorist, comprehensive, and collision coverage examples for business vehicles. Which options apply depends on the policy selected and issued. [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business commercial auto. Vehicle eligibility and availability depend on underwriting and state; page examples do not establish coverage under an individual policy.; verified: 2026-09-29.)
biBerk markets General Liability insurance for small businesses and says it is offered in many states. The page does not establish availability or eligibility for a particular business or state. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business General Liability line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.)
biBerk markets Professional Liability insurance, also called Errors and Omissions (E&O), for businesses seeking protection over alleged errors or omissions in professional services. This is a catalogue-membership statement, not a determination of terms or eligibility. [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Professional Liability/E&O line. This is a catalogue-membership claim only; the page reviewed does not establish individual eligibility or policy terms.; verified: 2026-09-29.)
biBerk markets Workers’ Compensation insurance for small businesses and describes quotes and policy purchases online or with an insurance expert. State rules and underwriting determine whether it can quote a particular employer. [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Workers’ Compensation line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.) | You can ask Founder Shield about general liability, property, workers’ compensation, cyber, E&O, D&O, EPL, fiduciary, crime and specialty options such as IP, product, delivery, acquisition and venture-capital coverage. [25](https://foundershield.com/coverage/ "Coverage") (Evidence: Company-reported; scope: Published offer categories only. Coverage availability, limits and wording are carrier- and risk-specific; no blanket package entitlement.; verified: 2026-09-15.)
Founder Shield offers individual policies or startup packages and says it can adjust limits, deductibles and endorsements to fit a business’s needs. [26](https://foundershield.com/insurance-faqs/general-faqs/how-do-we-purchase-a-la-carte-commercial-insurance/ "How Do We Purchase “A La Carte” Commercial Insurance?") (Evidence: Company-reported; scope: Endorsements are changes to policy wording. Customization is company-described, not automatic insurer acceptance of every requested term.; verified: 2026-09-15.)
When comparing D&O, check whether your quote protects individual directors, reimburses the company when it indemnifies them and covers the company itself; Founder Shield flags major-shareholder claims as an exclusion, and the form controls. [27](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: D&O educational product page, not a proprietary Founder Shield specimen. No universal Side C wording, exclusion threshold, retention or form number established.; verified: 2026-09-15.)
US businesses using AI internally may fit Founder Shield’s standalone generative-AI liability product up to $10 billion revenue; AI sellers, standard cyberattacks and intentional misuse are excluded. [28](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") (Evidence: Company-reported; scope: Company product summary; a business that both sells and uses AI needs account-specific eligibility review. Do not treat broad AI-industry marketing as acceptance into this product.; verified: 2026-09-15.)
For AI liability, check when claims must be made and reported and whether defense costs reduce your limit; Founder Shield lists potential AI-output, IP, defamation, data-disclosure, injury and property-damage exposures. [28](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") (Evidence: Company-reported; scope: Product description only. No specimen policy inspected; exact reporting windows, definitions, exclusions, sublimits and retention remain quote-specific.; verified: 2026-09-15.)
Confirm whether regulatory violations are covered: Founder Shield lists five AI coverage categories, while Testudo’s current broker page lists six and adds that category; the proposed form controls. [28](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [29](https://www.testudo.co/brokers "AI Liability Insurance for Brokers") (Evidence: Conflicting sources; scope: Unresolved difference between linked distributor and underwriting-provider summaries as accessed September 15, 2026. Could reflect different versions or scope; no inference that every Founder Shield quote includes or excludes the sixth agreement.; verified: 2026-09-15.) |
| Application process | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage.; verified: 2026-09-28.) | You can start by creating an account through Founder Shield’s quote portal using Google, Microsoft or email sign-in. [21](https://apx.foundershield.com/ "Quote Portal") [22](https://apx.foundershield.com/register "Create Account") (Evidence: Verified; scope: Public interface directly observed in Chrome on September 15, 2026. No sign-in, identity-provider flow, registration submission, quote or authenticated workflow tested.; verified: 2026-09-15.)
Founder Shield says its application takes under 15 minutes, but that does not guarantee how quickly insurers will quote or when coverage can start. [20](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Startup page marketing claim. No timed application or binding exercise performed.; verified: 2026-09-15.)
To bind coverage, Founder Shield says you approve the proposal, choose payment and a start date, then sign remaining documents while its team handles insurer paperwork. [23](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/ "How Do I Bind Coverage?") (Evidence: Company-reported; scope: Documented general process; the actual carrier’s outstanding requirements and confirmation determine the transaction. No completed purchase observed.; verified: 2026-09-15.) |
| Access to insurers | biBerk says the four insurers it names—Wellfleet Insurance Company, Berkshire Hathaway Direct Insurance Company, National Liability & Fire Insurance Company, and Wellfleet New York Insurance Company—collectively issue most policies sold by biBerk. Its California/Massachusetts notice separately lists each insurer’s domicile and licensed jurisdictions, but does not identify which insurer issues a particular product or policy or guarantee that a particular product is available in any jurisdiction. Check the insurer named in the issued policy. [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company disclosure provided to California and Massachusetts applicants and insureds; it describes the four named insurers collectively as issuing most policies sold by biBerk and separately lists each insurer’s domicile and licensed jurisdictions. It does not identify which insurer issues a particular product or policy or guarantee that a particular product is available in any jurisdiction.; verified: 2026-09-28.) | Founder Shield advertises access to 200+ carriers, but that does not promise your account will receive 200 quotes; its broker says it first looks for markets willing to insure your industry and risk. [20](https://foundershield.com/startup-insurance/ "Startup Insurance") [24](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: Company network and selection claims. No complete roster, direct-appointment census, market submission log or competitive quote exercise obtained.; verified: 2026-09-15.)
Founder Shield says it works exclusively with AM Best A-rated carriers; verify the current rating of the insurer named on your specific policy. [24](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: No financial-strength rating assigned to the broker, Testudo or an unnamed insurer. Ask for the exact issuing entity and verify the rating attached to that entity.; verified: 2026-09-15.)
Ask for the insurer or Lloyd’s syndicates on your quote: Founder Shield distributes the AI product and names Testudo as underwriter, while Testudo says its US entity places insurance without taking the risk. [28](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [30](https://www.testudo.co/about "About Testudo") [31](https://www.testudo.co/licenses "Licenses and Regulatory Disclosures") (Evidence: Company-reported; scope: Product-specific company disclosures. Do not equate an underwriting intermediary with a risk-bearing insurer or assign this placement chain to other Founder Shield products. Regulatory approvals and ratings are not independently established.; verified: 2026-09-15.) |
## Related Reading
- [What Is biBerk Insurance?](https://spot.insure/insurance-providers/biberk)
- [What Is Founder Shield Insurance?](https://spot.insure/insurance-providers/foundershield)
## Related Comparisons
- [AIG vs biBerk](https://spot.insure/compare/aig-vs-biberk)
- [AIG vs Founder Shield](https://spot.insure/compare/aig-vs-foundershield)
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- [Beazley vs Founder Shield](https://spot.insure/compare/beazley-vs-foundershield)
- [Berkshire Hathaway Specialty Insurance vs biBerk](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-biberk)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield)
- [biBerk vs CFC](https://spot.insure/compare/biberk-vs-cfc)
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- [biBerk vs CNA](https://spot.insure/compare/biberk-vs-cna)
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- [biBerk vs Coterie Insurance](https://spot.insure/compare/biberk-vs-coterie)
- [biBerk vs Counterpart](https://spot.insure/compare/biberk-vs-counterpart)
- [biBerk vs Coverdash](https://spot.insure/compare/biberk-vs-coverdash)
- [biBerk vs Cowbell](https://spot.insure/compare/biberk-vs-cowbell)
- [biBerk vs Embroker](https://spot.insure/compare/biberk-vs-embroker)
- [CFC vs Founder Shield](https://spot.insure/compare/cfc-vs-foundershield)
- [Chubb vs Founder Shield](https://spot.insure/compare/chubb-vs-foundershield)
- [CNA vs Founder Shield](https://spot.insure/compare/cna-vs-foundershield)
- [Coalition vs Founder Shield](https://spot.insure/compare/coalition-vs-foundershield)
- [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield)
- [Coterie Insurance vs Founder Shield](https://spot.insure/compare/coterie-vs-foundershield)
- [Counterpart vs Founder Shield](https://spot.insure/compare/counterpart-vs-foundershield)
- [Coverdash vs Founder Shield](https://spot.insure/compare/coverdash-vs-foundershield)
- [Cowbell vs Founder Shield](https://spot.insure/compare/cowbell-vs-foundershield)
- [Embroker vs Founder Shield](https://spot.insure/compare/embroker-vs-foundershield)
## Sources
### [biBerk Official Website](https://www.biberk.com/)
1. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
2. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
3. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
4. [biBerk Support | Small Business Insurance](https://www.biberk.com/support). biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
5. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
6. [Get A biBerk Business Owners Policy | Fast Online Quote](https://www.biberk.com/small-business-insurance/business-owners-policy). biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
8. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
9. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
10. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
11. [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance). biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
12. [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance). biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
13. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
14. [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance). NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.
### [Founder Shield Official Website](https://foundershield.com)
15. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
16. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
17. [About Us](https://foundershield.com/about-us/). Founder Shield; Opening description and Charting Your path from MVP to IPO. Accessed 2026-09-15.
18. [Partnerships](https://baldwin.com/partnerships/). The Baldwin Group; Brand-change introduction and 2020–2024 acquisitions list, Founder Shield entry. Accessed 2026-09-15.
19. [List of Subsidiaries as of February 26, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/exhibit-211fy2025q4.htm). The Baldwin Insurance Group, Inc. (SEC filing); Exhibit 21.1, list as of February 26, 2026: The Baldwin Group Specialty Solutions, LLC, Florida. Accessed 2026-09-15.
20. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
21. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
22. [Create Account](https://apx.foundershield.com/register). Founder Shield; Public registration screen: Google, Microsoft, email and password options. Accessed 2026-09-15.
23. [How Do I Bind Coverage?](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/) Founder Shield; Jonathan Selby answer, November 25, 2024: proposal approval, payment, effective date and electronic signatures. Accessed 2026-09-15.
24. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/) Founder Shield; Jonathan Selby answer, November 25, 2024: appetite, stated rating standard and carrier-selection criteria. Accessed 2026-09-15.
25. [Coverage](https://foundershield.com/coverage/). Founder Shield; Core Coverage: Crime Insurance, Cyber Liability, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Property Insurance; Specialized Coverage: Digital Asset Insurance, ERISA Fidelity Bond, Hired & Non-Owned Auto, Intellectual Property, Key Person & Contract Frustration, Last-Mile Delivery Insurance, Transit & Transportation; product cards: Errors & Omissions, Product Liability, Representations and Warranties, Umbrella Insurance, VCAP, Virtual Care & Telehealth Insurance, Workers Compensation; Health & Benefits: Employee Health & Benefits; Get a Quote and Learn More links. Accessed 2026-09-16.
26. [How Do We Purchase “A La Carte” Commercial Insurance?](https://foundershield.com/insurance-faqs/general-faqs/how-do-we-purchase-a-la-carte-commercial-insurance/) Founder Shield; Jonathan Selby answer, November 25, 2024: individual coverages, limits, deductibles and endorsements. Accessed 2026-09-15.
27. [Directors & Officers Insurance](https://foundershield.com/coverage/directors-and-officers-insurance/). Founder Shield; What Does D&O Insurance Cover?; Major Shareholder Exclusion; D&O Insurance Cost and Enhancements. Accessed 2026-09-15.
28. [Generative AI Liability Insurance](https://foundershield.com/coverage/generative-ai-liability-insurance/). Founder Shield; Who Needs Generative AI Liability Insurance Coverage?; five coverage categories; Generative AI Liability Policy; What Does A Generative AI Liability Policy Not Cover?; Speak with a Generative AI Liability Insurance Broker; Get a Quote. Accessed 2026-09-16.
29. [AI Liability Insurance for Brokers](https://www.testudo.co/brokers). Testudo; What does the policy cover? (six insuring agreements); Limits & pricing; target customers; application materials via Broker Platform. Accessed 2026-09-15.
30. [About Testudo](https://www.testudo.co/about). Testudo; What we do; Coverage you can rely on when it matters. Accessed 2026-09-15.
31. [Licenses and Regulatory Disclosures](https://www.testudo.co/licenses). Testudo; United States entity and non-risk-bearing role; United Kingdom entity disclosure. Accessed 2026-09-15.
32. [How Do I Get a Certificates of Insurance?](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-get-a-certificates-of-insurance/) Founder Shield; Luke Kaltreider answer, November 25, 2024: email requests, contract wording and endorsement needs. Accessed 2026-09-15.
33. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/) Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
34. [The Ultimate Business Insurance Renewal Checklist for Startups](https://foundershield.com/blog/business-insurance-renewal-checklist-for-startups/). Founder Shield; January 12, 2026; Know Your Part in the Renewal Process; The Early Start Advantage (60–90 days). Accessed 2026-09-15.
35. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
36. [What Am I Actually Getting For the Price of Business Insurance?](https://foundershield.com/insurance-faqs/general-faqs/what-am-i-actually-getting-for-the-price-of-business-insurance/) Founder Shield; Carl Niedbala answer, November 25, 2024: policy period, quoted charges, installments and premium financing. Accessed 2026-09-15.
37. [Transparency & Disclosure](https://baldwin.com/transparency-disclosure/). The Baldwin Group; Effective January 1, 2026; How The Baldwin Group is Compensated, including client fees, contingent commissions, affiliate services and referral fees. Accessed 2026-09-15.
38. [Disciplinary Actions Issued August 21, 2025](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf). New York State Department of Financial Services; Page 6 of 12, Region: New York, Foundershield LLC; $36,600 fine; consent order approved June 26, 2025. Accessed 2026-09-15.
39. [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elsearch.alis). New York State Department of Financial Services; Producer-search entry point. Accessed 2026-09-15.
40. [License](https://baldwin.com/license/). The Baldwin Group; California entity/license table; neither Foundershield LLC nor The Baldwin Group Specialty Solutions, LLC is listed. Accessed 2026-09-15.
41. [Surplus Lines](https://content.naic.org/insurance-topics/surplus-lines). National Association of Insurance Commissioners; Background, Issue; updated October 27, 2025: nonadmitted specialized insurers cover risks unavailable in the admitted market. Accessed 2026-09-15.
42. [Content Creator Insurance](https://foundershield.com/coverage/content-creator/). Founder Shield; Content Creator Insurance product introduction; What Is Content Creator Insurance? FAQ: media liability coverage for creators. Accessed 2026-09-16.
Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.
## Agent and Developer Resources
- [Markdown page](https://spot.insure/compare/biberk-vs-foundershield.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)