Chubb vs Founder Shield Umbrella and Excess Liability Insurance

Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. ^4,5Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section.

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.

Not described in the reviewed sources.

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.

Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. ⁴Company-reported. Umbrella & Excess Casualty Insurance Options section.

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.

For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. ⁴Company-reported. Umbrella & Excess Casualty product page option descriptions.

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 and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. ⁴Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23.

When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. ⁵Company-reported. Workers'-compensation Total Account Solution section.

Not described in the reviewed sources.

Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. ⁴Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers.

You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ⁴Company-reported. Umbrella & Excess Casualty product page quote 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.