---
title: "Founder Shield vs Gallagher Crime Insurance"
description: "Founder Shield places crime with A-rated carriers for healthcare, finance, nonprofits and manufacturing; Gallagher brokers Fidelity and Crime and uses peer analysis for larger limits."
canonical: "https://spot.insure/compare/foundershield-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Founder Shield vs Gallagher Crime Insurance

Founder Shield places crime with A-rated carriers for healthcare, finance, nonprofits and manufacturing; Gallagher brokers Fidelity and Crime and uses peer analysis for larger limits.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and Gallagher 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

Founder Shield, a Baldwin Group retail brokerage, places crime with AM Best A-rated carriers and names healthcare, financial services, non-profits and manufacturing/retail as priority buyers. Gallagher Small Business arranges Fidelity and Crime with outside carriers; for larger accounts it describes setting crime limits with peer analysis and an exposure index. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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. [1](https://foundershield.com/ "Founder Shield") [2](https://apx.foundershield.com/ "Quote Portal") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](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?") [5](https://foundershield.com/claims/ "Claims")

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

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [8](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [9](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [11](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [12](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### A-Rated Placement Screen Versus Two Gallagher Desks

Founder Shield places crime with third-party carriers it says are rated A- or better by AM Best, matched to the client’s industry. Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, and its Executive and Financial Risk practice places the same coverage for larger accounts; neither Gallagher page names an issuer, and Gallagher does not underwrite. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [7](https://foundershield.com/about-us/ "About Us") [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Industry Priorities Versus Fraud-Exposure List

Founder Shield calls crime a priority for healthcare, financial services, non-profit and manufacturing/retail companies. Gallagher recommends Fidelity and Crime for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud or destruction of personal property. [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### Limit Method and Coverage Branches

For larger accounts Gallagher describes setting crime limits with peer analysis using third-party databases and an exposure index from the Surety Association of America and the American Institute of Accountants. Founder Shield’s reviewed pages do not publish a crime limit method or amounts. Founder Shield lists employee dishonesty by an identified employee, forgery or alteration, computer fraud, and funds-transfer fraud from social engineering. Gallagher lists credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. You request Founder Shield coverage through its site or an advisor; Gallagher uses a Connect With An Advisor form. [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [7](https://foundershield.com/about-us/ "About Us")

## What to Confirm in Crime Insurance Quotes

- Ask Founder Shield which A-rated carrier is issuing crime. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask Gallagher whether the quote is small-business or executive-risk, and whether peer-analysis limits apply. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare destruction-of-property wording on Gallagher with Founder Shield’s four listed branches. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")
- Confirm whether “identified employee” language on Founder Shield’s description appears in the bound form. [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

## Offering Details

| Criteria | Founder Shield Crime Insurance | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| Role in This Line | 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. [7](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..) | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |
| Issuing Insurer | 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. [3](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..) | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Who It’s For | 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. [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime Insurance product page..) | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting..) |
| Coverage Features | 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. [6](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions..) |
| Limits and Retentions | Not described in the reviewed sources. | Neither page publishes specific crime coverage limits or premium ranges. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Risk Services | Not described in the reviewed sources. | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. [10](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) |
| How to Apply | 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. [7](https://foundershield.com/about-us/ "About Us") [3](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..) | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. [13](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |

## Full Comparison

- [Founder Shield vs Gallagher](https://spot.insure/compare/foundershield-vs-gallagher): 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.
- [Founder Shield vs Gallagher Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-gallagher/commercial-property)
- [Founder Shield vs Gallagher Cyber Insurance](https://spot.insure/compare/foundershield-vs-gallagher/cyber)
- [Founder Shield vs Gallagher D&O Insurance](https://spot.insure/compare/foundershield-vs-gallagher/directors-officers)
- [Founder Shield vs Gallagher Employee Health Benefits](https://spot.insure/compare/foundershield-vs-gallagher/employee-health-benefits)
- [Founder Shield vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-gallagher/employment-practices)
- [Founder Shield vs Gallagher Fidelity Bonds](https://spot.insure/compare/foundershield-vs-gallagher/fidelity-bonds)
- [Founder Shield vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-gallagher/fiduciary)
- [Founder Shield vs Gallagher General Liability Insurance](https://spot.insure/compare/foundershield-vs-gallagher/general-liability)
- [Founder Shield vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-gallagher/professional-errors-omissions)
- [Founder Shield vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/foundershield-vs-gallagher/representations-warranties)
- [Founder Shield vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-gallagher/umbrella-excess)
- [Founder Shield vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-gallagher/workers-compensation)
- [Alliance Risk vs Founder Shield Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/crime)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Beazley vs Founder Shield Crime Insurance](https://spot.insure/compare/beazley-vs-foundershield/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [CFC vs Founder Shield Crime Insurance](https://spot.insure/compare/cfc-vs-foundershield/crime)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)

## Sources

### Founder Shield

1. [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.
2. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.

### Gallagher

8. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
9. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
10. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
11. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
12. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
13. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### Crime Insurance Guide

14. [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.

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