CFC vs Founder Shield: How Do They Compare for Cyber Insurance?

Founder Shield is a broker placing cyber with A- rated carriers for healthcare, finance, SaaS and e-commerce; CFC sells its own product with monitoring and response for businesses up to $250 million.

Founder Shield is a retail brokerage that places cyber with third-party carriers rated A- or better, targeting healthcare, financial services, SaaS and e-commerce. CFC sells Cyber Proactive Response as a named product for $0 to $250 million in revenue with in-house 24/7 incident response. ^8,¹

What Are the Key Differences Between CFC and Founder Shield Cyber Insurance?

A-Minus Carrier Shopping Versus a Named CFC Product

Founder Shield places Founder Shield Cyber Liability Insurance with third-party carriers rather than underwriting it, and says it uses only carriers rated A- or better by AM Best, chosen for the client's industry. CFC sells Cyber Proactive Response as its flagship product for $0 to $250 million in revenue, pairing the policy with built-in security monitoring and CFC Response rather than shopping outside carriers. Choose Founder Shield if you want a broker to shop A- or better paper in healthcare, financial services, SaaS or e-commerce; choose CFC if you want that named product and sit under $250 million. ⁷ ⁸ ¹

Stated Exclusions Versus Base Reinstatements

Founder Shield lists electronic-data loss, outage income, extortion payments and breach-notification costs, and says policies typically exclude stolen-IP value, internal system upgrades and possible future lost profits. CFC includes crime cover, a 12-month interruption indemnity period and unlimited claim reinstatements in the base Cyber Proactive Response product. ⁶ ¹

Advisor Placement Versus a One-Page Control Form

You request Founder Shield cyber through its website or an insurance advisor; the placement team then approaches carriers. CFC's US application is a one-page form on MFA, backups and related controls. ⁶ ⁴

What Should You Confirm in CFC and Founder Shield Cyber Insurance Quotes?

Ask Founder Shield which carrier and AM Best rating apply to your placement. ⁸
Ask CFC which insurer sits behind Cyber Proactive Response. ⁴
Confirm the exclusions Founder Shield flags against the quoted form. ⁶
If your revenue is above $250 million, ask CFC about Corporate cyber. ¹

CFC vs Founder Shield Cyber Insurance Compared

CFC vs Founder Shield: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	Founder Shield Cyber Liability Insurance
Who It’s For	CFC segments cyber eligibility by revenue: Cyber Proactive Response and Cyber (admitted) are positioned for businesses with revenues from $0 to $250 million, while Corporate cyber is for businesses at $250 million and above. ¹Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting.	Founder Shield calls cyber coverage a priority for healthcare, financial services, SaaS and e-commerce companies, citing their exposure to data breaches and business interruption. ⁶Company-reported. Cyber Liability product page.
How to Apply	The US Cyber Proactive Response application is a one-page form asking whether multi-factor authentication is enforced for remote network access and email, whether backups are offline or MFA-secured, and whether the business had a cyber incident in the last three years. ⁴Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents.	You request Founder Shield Cyber Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^7,⁸Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.
Coverage Features	Cyber Proactive Response includes crime cover, a 12-month indemnity period for business interruption, and data recreation cover, with unlimited claim reinstatements available at either no deductible or a single deductible at most. ¹Company-reported. Cyber product page Key features list for Cyber Proactive Response.	Founder Shield lists loss or damage to electronic data, income loss and extra expense from a system outage, cyber extortion payments, and breach-notification and reputation-management costs as the branches of cyber coverage it places. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage. Founder Shield says cyber policies typically exclude loss of value from stolen IP, internal technology system upgrades, and possible future lost profits. ⁶Company-reported. Product page; specific exclusions depend on the issued policy.
Role in This Line	CFC's flagship cyber product, Cyber Proactive Response, targets businesses with revenues from $0 to $250 million and pairs the policy with built-in security monitoring, incident response and claims handling rather than selling those as add-ons. ¹Company-reported. Cyber insurance product page's Cyber Proactive Response summary; CFC separately sells Cyber (admitted), Corporate cyber for businesses at $250 million and up, and a Cyber excess policy.	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Cyber Liability Insurance with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.