---
title: "Founder Shield vs Lockton: Crime Insurance"
description: "Founder Shield targets healthcare, finance, nonprofits and manufacturing with carriers screened for an AM Best A- or better financial-strength rating; Lockton serves public, private and nonprofit buyers and names a dedicated crime claims team."
canonical: "https://spot.insure/compare/foundershield-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-lockton"
provider-a: "foundershield"
provider-b: "lockton"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Founder Shield and Lockton 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 Lockton. 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 Lockton for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Founder Shield or Lockton?
- What does Founder Shield or Lockton publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Founder Shield and Lockton.
- 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 Lockton](https://spot.insure/compare/foundershield-vs-lockton) — 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
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

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

Founder Shield places crime only with carriers rated A- or higher and calls it a priority for healthcare, financial services, nonprofit and manufacturing or retail; Lockton brokers crime for organizations of any sector, with claims handled inside its broking team.

Founder Shield targets named industries and screens carriers for an A- or better AM Best rating; Lockton serves public, private and nonprofit organizations with a dedicated claims team.

## Founder Shield vs Lockton Crime Insurance Summary

Founder Shield targets healthcare, finance, nonprofits and manufacturing with carriers screened for an AM Best A- or better financial-strength rating; Lockton serves public, private and nonprofit buyers and names a dedicated crime claims team. [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://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

Financial institutions should ask Lockton whether they need a financial institution bond, which it distinguishes from general crime coverage. Lockton also names a Professional & Executive Risk claims team; Founder Shield’s pages do not describe crime-specific claims support. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

### Retail Placement Versus Claims-Integrated Broking

Founder Shield places crime with third-party A-rated carriers rather than underwriting. Lockton places Crime and Fidelity as a brokered program and says its Professional & Executive Risk Claims team, which keeps insurance and claims counsel inside the broking team, handles those claims. [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?") [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### FI Bonds and Small-Business Exposure

Lockton notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime, and calls small businesses particularly exposed because they often lack fraud-prevention and auditing resources. Founder Shield’s crime page does not discuss financial institution bonds; it names healthcare, financial services, non-profits and manufacturing/retail as priority buyers because of theft exposure. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

### Coverage Types and Carrier Names

Founder Shield lists employee dishonesty by an identified employee, forgery or alteration, computer fraud, and funds-transfer fraud from social engineering. Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation involving customers, vendors or employees. Founder Shield states an A-rated carrier screen. Lockton’s page does not name the insurers it uses. [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance") [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://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

- Ask Lockton whether you need a financial institution bond or general crime and fidelity. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask Founder Shield which A-rated carrier it is placing. [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 how Lockton’s claims team would handle a crime loss versus Founder Shield’s issuer. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://foundershield.com/about-us/ "About Us")
- Compare on-or-off-premises theft and counterfeit currency on Lockton’s list with Founder Shield’s four branches. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://foundershield.com/coverage/crime-insurance/ "Crime Insurance")

## Founder Shield vs Lockton Crime Insurance Compared

| Criteria | Founder Shield Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| 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..) | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| 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..) | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| 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..) | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

## About Founder Shield and Lockton and Crime Insurance

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

## Related Pages for Founder Shield vs Lockton Crime Insurance

- [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton): 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)
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)

## Sources for Founder Shield vs Lockton 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 Lockton

4. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foundershield-vs-lockton/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)