CFC vs Founder Shield: How Do They Compare for Professional Liability (E&O) Insurance?

Founder Shield is a retail brokerage that places E&O only with carriers rated A- or higher, aimed at venture capital firms, consultants and software developers. CFC sells E&O as a package policy with limits up to $10 million.

CFC publishes E&O limits up to $10 million and minimum premiums; Founder Shield names venture-capital firms, SaaS marketplaces and software developers among its target buyers. ^2,⁴

What Are the Key Differences Between CFC and Founder Shield Professional Liability (E&O) Insurance?

Match Your Business to the Target List

CFC favors business, education, environmental, food, HR, market-research and security consultants, event organizers and trade associations, while declining lawyers, insurance agents and financial advisors. Check those exclusions against your exact services before applying; Founder Shield’s listed business types are covered in its eligibility materials. ² ⁴

Carrier Standard and Quote Terms

Founder Shield says it places E&O with insurers rated A- or better by AM Best, selected for the client’s industry, but does not name the specific carrier for your quote. CFC’s brochure publishes a $10 million maximum E&O limit and minimum premium figures. Ask both for the proposed carrier, actual premium and limits. ⁶ ²

CFC offers general liability, property and cyber as add-ons to its E&O package. Founder Shield says it often packages E&O with technology E&O and cyber, but does not specify one fixed form. Compare how the lines are written and whether they share a limit. ² ⁴

What Should You Confirm in CFC and Founder Shield Professional Liability (E&O) Insurance Quotes?

Ask CFC to confirm your occupation is favored and not on its declined list. ²
Ask Founder Shield which carrier it would propose and its AM Best rating. ⁶
Get actual limits, retentions and premiums from both. ² ⁴
Compare whether cyber and technology E&O are included, optional or separate. ² ⁴

CFC vs Founder Shield Professional Liability (E&O) Insurance Compared

CFC vs Founder Shield: Professional Liability (E&O) Insurance: documented features by provider

Criteria	CFC Professional Services	Founder Shield Errors & Omissions Insurance
Who It’s For	CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	Founder Shield markets E&O to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. ⁴Company-reported. Errors & Omissions Insurance product page.
How to Apply	CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. ¹Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole.	You request Founder Shield Errors & Omissions 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. ^5,⁶Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.
Coverage Features	CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. ²Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. ²Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting.	Founder Shield lists defense costs, defense against disciplinary or regulatory proceedings, lost-earnings coverage, and claims from errors by employees or contractors as what E&O responds to. ⁴Company-reported. Product page; the issued policy and declarations control actual coverage.
Role in This Line	CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. ^1,²Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure.	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Errors & Omissions Insurance with third-party carriers rather than underwriting the policy itself. ⁵Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line. Founder Shield says E&O (professional liability) is often packaged with technology E&O and cyber coverage since the two types of claims tend to intertwine. ⁴Company-reported. Errors & Omissions Insurance product page.