---
title: "Founder Shield vs Gallagher: Crime Insurance"
description: "Founder Shield targets healthcare, financial services, nonprofits and manufacturing or retail and screens carriers for an AM Best A- or better financial-strength rating; Gallagher serves small businesses and uses peer analysis to set larger-account limits."
canonical: "https://spot.insure/compare/foundershield-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-gallagher"
provider-a: "foundershield"
provider-b: "gallagher"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Founder Shield and Gallagher for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Founder Shield versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Founder Shield vs Gallagher for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Founder Shield or Gallagher?
- What does Founder Shield or Gallagher publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Founder Shield and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Founder Shield vs Gallagher](https://spot.insure/compare/foundershield-vs-gallagher) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

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

Founder Shield, a retail brokerage, places crime only with carriers rated A- or higher and stresses healthcare, finance, nonprofit and manufacturing or retail risks; Gallagher arranges crime with outside carriers, using an advisor form for small businesses.

Founder Shield prioritizes healthcare, finance, nonprofits and manufacturing or retail, screening for A- or better rated carriers; Gallagher supports small businesses and uses peer analysis for larger limits.

## Founder Shield vs Gallagher Crime Insurance Summary

Founder Shield targets healthcare, financial services, nonprofits and manufacturing or retail and screens carriers for an AM Best A- or better financial-strength rating; Gallagher serves small businesses and uses peer analysis to set larger-account limits. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [5](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Are the Key Differences Between Founder Shield and Gallagher 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?") [2](https://foundershield.com/about-us/ "About Us") [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [5](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. [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [4](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. [5](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [2](https://foundershield.com/about-us/ "About Us")

## What Should You Confirm in Founder Shield and Gallagher 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. [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [5](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. [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")
- Confirm whether “identified employee” language on Founder Shield’s description appears in the bound form. [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

## Founder Shield vs Gallagher Crime Insurance Compared

| Criteria | Founder Shield Crime Insurance | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| 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. [1](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. [4](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..) |
| 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. [2](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. [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |
| 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. [1](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. [4](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..) |
| 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. [2](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. [4](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [5](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..) |

## About Founder Shield and Gallagher and Crime Insurance

- [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Founder Shield vs Gallagher Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Founder Shield Crime Insurance](https://spot.insure/insurance-providers/foundershield/crime)
- [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime)

## Sources for Founder Shield vs Gallagher Crime Insurance

### Sources About Founder Shield

1. [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.
2. [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.
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.

### Sources About Gallagher

4. [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.
5. [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.

Updated 2026-09-25. 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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