Embroker vs Founder Shield: How Do They Compare for Crime Insurance?

Embroker sells a standalone crime policy priced on headcount, revenue and financial controls; Founder Shield is a broker that asks carriers rated A- or higher, emphasizing healthcare, finance, nonprofit and retail clients.

Embroker fits smaller businesses that want standalone crime or a BOP/D&O add-on and can accept its listed exclusions; Founder Shield prioritizes healthcare, financial services, nonprofits and manufacturing or retail. ^1,^3,⁴

What Are the Key Differences Between Embroker and Founder Shield Crime Insurance?

The product format may decide the quote: Embroker allows smaller businesses to add crime to an existing BOP or D&O policy, while Founder Shield describes a separate crime placement matched to the client’s industry. Compare the exclusion lists before selecting terms. ¹ ²

How Each Sells Crime

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add it as an endorsement to a BOP or D&O policy. Founder Shield is a retail brokerage, described as the innovation arm of The Baldwin Group, and places Founder Shield Crime Insurance with third-party carriers rather than underwriting. ¹ ³

Coverage Lists

Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. Founder Shield lists employee dishonesty by an identified employee, forgery or alteration, computer fraud, and funds-transfer fraud from social engineering. ¹ ²

Embroker also names exclusions for income loss, indirect losses, executive or partner collusion with employees, third-party liabilities from crime, and cybercrime involving stolen patents, trade secrets or customer lists. Founder Shield’s public list is those four branches of coverage. ¹ ²

How You Ask for a Quote

Embroker’s reviewed crime page directs buyers to a general Get a Quote link rather than a dedicated online crime flow. You request Founder Shield Crime Insurance through its website or an insurance advisor, and its placement team then approaches carriers. ¹ ³ ⁴

What Should You Confirm in Embroker and Founder Shield Crime Insurance Quotes?

Ask Embroker whether you are quoting standalone crime, a BOP or D&O endorsement, or a fidelity bond. ¹
Ask Founder Shield which A-rated carrier is issuing the policy. ⁴
Compare Embroker’s published exclusions with Founder Shield’s bound form. ¹ ²

Embroker vs Founder Shield Crime Insurance Compared

Embroker vs Founder Shield: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	Founder Shield Crime Insurance
Who It’s For	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.	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. ²Company-reported. Crime Insurance product page.
Coverage Features	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.	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. ²Company-reported. Product page; the issued policy and declarations control actual coverage.
Role in This Line	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	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. ³Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Criteria

Embroker Commercial Crime Insurance

Founder Shield Crime Insurance

Who It’s For

Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.

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. ²Company-reported. Crime Insurance product page.

Coverage Features

Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section.

Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.

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. ²Company-reported. Product page; the issued policy and declarations control actual coverage.

Role in This Line

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.

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. ³Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.