CNA vs 
Founder Shield: How Do They Compare for Professional Liability (E&O) Insurance?
CNA’s MPL target list names non-licensed classes such as consultants and staffing firms; Founder Shield markets E&O to consultants, media and advertising agencies, SaaS marketplaces, and software developers. CNA describes Epack 3 and EPS Plus combinations, while Founder Shield says E&O is often packaged with technology E&O and cyber. 4,11,5
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is Founder Shield Insurance?
Founder Shield is a broker for venture-backed startups: you apply online in under 15 minutes, and an advisor shops its 200+ carrier markets to build a program that changes as your products and locations change. It doesn't insure you itself, so ask which insurer carries each policy. 6,7,8,9,10
Read the Founder Shield profile
Read the Founder Shield Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 13,14,15,16
What Are the Key Differences Between CNA and Founder Shield Professional Liability (E&O) Insurance?
E&O Buyer Groups
CNA’s MPL target list includes consultants, staffing firms, advertising agencies, and event planners, but it is not a complete eligibility rule. Founder Shield markets E&O to consultants, media and advertising agencies, SaaS marketplaces, software developers, and venture-capital firms performing services for others. The stated audiences overlap in consulting and advertising, while Founder Shield also names several technology-oriented groups; actual acceptance remains subject to the proposed policy and underwriting. 4 11
E&O With Technology and Cyber Lines
CNA’s Epack 3 brochure describes a modular package combining technology and professional liability with cyber and media. 5 CNA’s current cyber page describes EPS Plus as E&O and cyber for professional-services firms. 4 Founder Shield says E&O is often packaged with technology E&O and cyber because the claims can intertwine. 11 Both describe connecting E&O with technology or cyber coverage, but only CNA names these two package configurations; Founder Shield’s wording describes a common packaging practice, not a guaranteed package.
What Should You Confirm in CNA and Founder Shield Professional Liability (E&O) Insurance Quotes?
CNA and Founder Shield Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsFounder Shield Review Score
Review Score
1 rated source
Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.[1][4]
Read Founder Shield reviewsCNA vs Founder Shield Professional Liability (E&O) Insurance Compared
CNA vs Founder Shield: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | CNA Professional and Technology Liability | Founder Shield Errors & Omissions Insurance |
|---|---|---|
| Role in This Line | CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. 4,5Company-reported. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording. | 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. 12Company-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. 11Company-reported. Errors & Omissions Insurance product page. |
| Issuing Insurer | Confirm in your quote. | Founder Shield says it places policies, including Founder Shield Errors & Omissions 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. |
| Who It’s For | CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. 4Company-reported. The listed classes are a target list, not a complete or guaranteed eligibility rule. | 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. 11Company-reported. Errors & Omissions Insurance product page. |
| Coverage Features | CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. 4Company-reported. The page is a summary and does not define covered services, contract exceptions or policy triggers. | 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. 11Company-reported. Product page; the issued policy and declarations control actual coverage. |
| Risk Services | CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. 4Company-reported. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. 12,8Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form. |
Related Pages for CNA vs Founder Shield Professional Liability (E&O)
Professional Liability (E&O) Pages for CNA and Founder Shield
Other Coverage Lines Compared for CNA vs Founder Shield
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for CNA vs Founder Shield
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Cyber Insurance - Cyber Risk Solutions. CNA; Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. Accessed 2026-09-30.
- Epack 3 – Cyber, Media, Technology & Professional Liability. CNA; Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About Founder Shield
- Founder Shield. Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
- Startup Insurance. Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
- 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.
- 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.
- Terms of Service. Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
- Errors & Omissions Insurance. Founder Shield; What Is Errors & Omissions Insurance?; Who Needs Errors & Omissions Insurance Coverage?; What Does Errors and Omissions Insurance Cover? Accessed 2026-09-23.
- About Us. Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
