---
title: "Chubb vs Founder Shield Crime Insurance"
description: "Chubb underwrites ForeFront crime on ACE American paper; Founder Shield brokers crime with AM Best A- or better carriers chosen by industry."
canonical: "https://spot.insure/compare/chubb-vs-foundershield/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-foundershield/crime)

# Chubb vs Founder Shield Crime Insurance

Chubb underwrites ForeFront crime on ACE American paper; Founder Shield brokers crime with AM Best A- or better carriers chosen by industry.

## Research Scope and Use

Use this comparison to evaluate Chubb and Founder Shield for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites Crime as a ForeFront Portfolio part, names ACE American and affiliates, and targets organizations under 250 employees and $50 million in revenue. Founder Shield places crime with third-party carriers rated A- or better by AM Best, calling the cover a priority for healthcare, financial services, non-profit and manufacturing/retail. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [12](https://foundershield.com/about-us/ "About Us") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [6](https://foundershield.com/ "Founder Shield") [7](https://apx.foundershield.com/ "Quote Portal") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [9](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [10](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Named Chubb Affiliates Versus A- Panel Placement

Chubb underwrites Crime as a ForeFront Portfolio part and states that insurance is provided by ACE American Insurance Company and U.S.-based Chubb affiliates. Founder Shield is a retail brokerage and places crime with third-party carriers rated A- or better by AM Best, chosen for the client’s industry, without naming the issuer for this line. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [12](https://foundershield.com/about-us/ "About Us") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

### Size Band Versus Industry Priority List

On Chubb Marketplace, ForeFront’s target appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of internal or external theft exposure. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [11](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

### Cover Branches

Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft of a client’s money or property by an employee, and funds-transfer fraud unreimbursed by the insured’s bank. Founder Shield lists employee dishonesty by an identified employee, forgery or alteration, computer fraud, and funds-transfer fraud from social engineering. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [11](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

### Marketplace Versus Placement Team

ForeFront, including Crime, is available on Chubb Marketplace for digital quoting and binding. You request Founder Shield Crime Insurance through its website or an advisor; the placement team then approaches carriers. Chubb’s sheet does not publish specific crime limits. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [11](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Founder Shield which AM Best A- or better carrier is quoting. [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Confirm you fit Chubb’s ForeFront size band and ask for crime limits. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Confirm Founder Shield’s employee-dishonesty agreement requires an identified employee, and whether Chubb includes temporary and contracted workers. [11](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Ask whether client-property theft is on the Chubb form. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")

## Offering Details

| Criteria | Chubb ForeFront Portfolio Crime Insurance | Founder Shield Crime Insurance |
| --- | --- | --- |
| Role in This Line | Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: ForeFront Portfolio Crime Insurance product sheet..) | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Crime Insurance with third-party carriers rather than underwriting the policy itself. [12](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) |
| Issuing Insurer | Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy..) | Founder Shield says it places policies, including Founder Shield Crime 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. [8](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: General carrier-selection FAQ, not specific to this line's placements..) |
| Who It’s For | On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage..) | Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of their exposure to internal or external theft. [11](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime Insurance product page..) |
| Coverage Features | Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording..) | Founder Shield lists employee dishonesty (theft or embezzlement by an identified employee), forgery or alteration of financial instruments, computer fraud, and funds-transfer fraud from social engineering as the branches of crime coverage it places. [11](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Not found in reviewed sources; scope: Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms..) | Not described in the reviewed sources. |
| How to Apply | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: Online Ease section; agents and brokers use Marketplace to place the policy..) | You request Founder Shield Crime 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](https://foundershield.com/about-us/ "About Us") [8](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: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |

## Full Comparison

- [Chubb vs Founder Shield](https://spot.insure/compare/chubb-vs-foundershield): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Chubb vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-foundershield/cargo-transit)
- [Chubb vs Founder Shield Commercial Property Insurance](https://spot.insure/compare/chubb-vs-foundershield/commercial-property)
- [Chubb vs Founder Shield Cyber Insurance](https://spot.insure/compare/chubb-vs-foundershield/cyber)
- [Chubb vs Founder Shield D&O Insurance](https://spot.insure/compare/chubb-vs-foundershield/directors-officers)
- [Chubb vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/employment-practices)
- [Chubb vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/fiduciary)
- [Chubb vs Founder Shield General Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/general-liability)
- [Chubb vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-foundershield/professional-errors-omissions)
- [Chubb vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-foundershield/representations-warranties)
- [Chubb vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/umbrella-excess)
- [Chubb vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-foundershield/workers-compensation)
- [Alliance Risk vs Chubb Crime Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/crime)
- [Alliance Risk vs Founder Shield Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/crime)
- [Beazley vs Chubb Crime Insurance](https://spot.insure/compare/beazley-vs-chubb/crime)
- [Beazley vs Founder Shield Crime Insurance](https://spot.insure/compare/beazley-vs-foundershield/crime)
- [CFC vs Chubb Crime Insurance](https://spot.insure/compare/cfc-vs-chubb/crime)
- [CFC vs Founder Shield Crime Insurance](https://spot.insure/compare/cfc-vs-foundershield/crime)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [The ForeFront Portfolio — Crime Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf). Chubb; Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line. Accessed 2026-09-23.
5. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. Accessed 2026-09-23.

### Founder Shield

6. [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.
7. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
8. [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; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
9. [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.
10. [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.
11. [Crime Insurance](https://foundershield.com/coverage/crime-insurance/). Founder Shield; What Is Crime Insurance?; Who Needs Crime Insurance Coverage?; What Does Crime Insurance Cover?. Accessed 2026-09-23.
12. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

### Crime Insurance Guide

13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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/chubb-vs-foundershield/crime.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)