CFC vs Founder Shield Umbrella and Excess Liability Insurance

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. ⁵Company-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. ¹²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. ^5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product.

Founder Shield says it places policies, including Founder Shield Umbrella Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ⁸Company-reported. General carrier-selection FAQ, not specific to this line's placements.

CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ⁵Company-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. ¹¹Company-reported. Umbrella Insurance product page; wording mixes personal and commercial umbrella use cases.

CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ⁵Company-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. ¹¹Company-reported. Product page; the issued policy and declarations control actual coverage.

The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. ⁵Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself.

Not described in the reviewed sources.

The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. ⁵Company-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. ^12,8Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.