CFC vs Founder Shield: How Do They Compare for Umbrella and Excess Liability Insurance?

Founder Shield is a retail brokerage placing umbrella only with carriers rated at least A-, for audiences from business owners to high-net-worth individuals. CFC sells one excess policy for small and micro businesses over professional, GL or cyber.

CFC is the one to call if you need more professional, cyber or general liability limit: it sells small and micro businesses excess over those lines, even when another insurer wrote the primary. Founder Shield shops a broader umbrella with insurers rated A- or better. ^1,^5,³

What Are the Key Differences Between CFC and Founder Shield Umbrella and Excess Liability Insurance?

Excess Over Professional and Cyber Versus a General Umbrella

CFC sells its own excess policy that sits above professional liability, general liability or cyber, and says it can follow a primary written by another insurer. A small agency with E&O elsewhere can buy more limit from CFC without moving that policy. Founder Shield places an umbrella that pays bodily injury, property damage and personal-injury claims such as libel or slander once your primary limits run out, and doesn’t mention professional or cyber. Choose CFC if a client contract demands more E&O or cyber limit; choose Founder Shield if you need a traditional umbrella over your liability policies. ¹ ³

Who Each One Serves

CFC targets small and micro businesses across many professions. Founder Shield describes umbrella for high-net-worth individuals, business owners, property owners and professionals such as doctors, lawyers and architects, without separating business from personal umbrella. If you want one advisor for both your company and personal exposure, Founder Shield covers both. ¹ ³

How You Buy

You contact CFC directly; it describes no online quote. Founder Shield takes requests through its website or an advisor, then shops insurers rated A- or better by AM Best that suit your industry. ¹ ⁴ ⁵

What Should You Confirm in CFC and Founder Shield Umbrella and Excess Liability Insurance Quotes?

Ask CFC which of your primaries it will sit over, and whether any are with another insurer. ¹
Ask Founder Shield whether the quote is a personal umbrella, a business umbrella or both. ³
Ask which insurer issues each policy; Founder Shield names it only at quote. ⁵ ²
Get limits in writing; neither publishes them. ¹ ³

CFC vs Founder Shield Umbrella and Excess Liability Insurance Compared

CFC vs Founder Shield: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	CFC Umbrella Cover	Founder Shield Umbrella Insurance
Who It’s For	CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ¹Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.	Founder Shield's page describes umbrella coverage broadly for high-net-worth individuals, business owners, property owners, and professionals such as doctors, lawyers or architects; it does not distinguish a business-only umbrella product from personal umbrella coverage. ³Company-reported. Umbrella Insurance product page; wording mixes personal and commercial umbrella use cases.
How to Apply	The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. ¹Company-reported. Umbrella cover product page call to action.	You request Founder Shield Umbrella 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. ^4,⁵Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.
Coverage Features	CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ¹Company-reported. Umbrella cover product page.	Founder Shield describes umbrella insurance as extra liability coverage above the limits of underlying policies, responding to bodily injury, property damage, and personal-liability claims like libel or slander once primary limits are exhausted. ³Company-reported. Product page; the issued policy and declarations control actual coverage.
Role in This Line	CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ¹Company-reported. Umbrella cover product page description of what the policy tops up.	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Umbrella Insurance with third-party carriers rather than underwriting the policy itself. ⁴Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.