---
title: "Founder Shield vs Lockton Cyber Insurance"
description: "Founder Shield places cyber with A- or better AM Best carriers; Lockton brokers cyber under an Inform, Improve, Insure process."
canonical: "https://spot.insure/compare/foundershield-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Founder Shield vs Lockton Cyber Insurance

Founder Shield places cyber with A- or better AM Best carriers; Lockton brokers cyber under an Inform, Improve, Insure process.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and Lockton for Cyber 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 places Founder Shield Cyber Liability Insurance only with carriers rated A- or better by AM Best, requested through its website or an advisor. Lockton brokers cyber with a three-step Inform, Improve, Insure approach and lists a named EVP contact and a published email address. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## 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 Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [8](https://global.lockton.com/us/en "Lockton United States") [9](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [12](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Carrier Standard Versus Three-Step Process

Founder Shield places Founder Shield Cyber Liability Insurance only with carriers rated A- or better by AM Best, chosen for the client's industry. Lockton brokers cyber insurance and pairs placement with risk-management advice under Inform, Improve, Insure: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers.

Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..)

[3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

### Industries Each Names

Founder Shield calls cyber a priority for healthcare, financial services, SaaS and e-commerce companies. Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. [6](https://foundershield.com/coverage/cyber-liability-insurance/ "Cyber Liability Insurance") [9](https://global.lockton.com/us/en/technology "Technology")

### How You Contact Each Broker

You request Founder Shield coverage through its website or an insurance advisor; its placement team then approaches carriers. Lockton's Cyber & Technology page lists a named EVP, U.S. Cyber & Technology Leader, and a published email address rather than an online quote form. [7](https://foundershield.com/about-us/ "About Us") [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What to Confirm in Cyber Insurance Quotes

- Ask Founder Shield which A-rated carrier it is proposing. [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 Lockton which insurer partners it would approach. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Lockton what Improve work would happen before Insure. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Founder Shield which typical exclusions apply to the placed form. [6](https://foundershield.com/coverage/cyber-liability-insurance/ "Cyber Liability Insurance")

## Offering Details

| Criteria | Founder Shield Cyber Liability Insurance | Lockton Cyber & Technology Insurance Brokerage |
| --- | --- | --- |
| 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 Cyber Liability 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..) | Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |
| Issuing Insurer | Founder Shield says it places policies, including Founder Shield Cyber Liability 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..) | Lockton says it has built alliances with cybersecurity firms and insurer partners, but the reviewed pages do not name specific cyber insurers or which carrier would issue a given client's policy. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Not publicly disclosed; scope: Cyber & Technology page checked 2026-09-23..) |
| Who It’s For | Founder Shield calls cyber coverage a priority for healthcare, financial services, SaaS and e-commerce companies, citing their exposure to data breaches and business interruption. [6](https://foundershield.com/coverage/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Cyber Liability product page..) | Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications, and highlights cyber liability as a core exposure for those industries. [9](https://global.lockton.com/us/en/technology "Technology") (Evidence: Company-reported; scope: Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published..) |
| Coverage Features | Founder Shield lists loss or damage to electronic data, income loss and extra expense from a system outage, cyber extortion payments, and breach-notification and reputation-management costs as the branches of cyber coverage it places. [6](https://foundershield.com/coverage/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)<br><br>Founder Shield says cyber policies typically exclude loss of value from stolen IP, internal technology system upgrades, and possible future lost profits. [6](https://foundershield.com/coverage/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Product page; specific exclusions depend on the issued policy..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | Lockton describes services beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance frameworks and cyber-hygiene policies, delivered by a team it says has over 100 Associates specializing in cyber risk. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |
| How to Apply | You request Founder Shield Cyber Liability 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 Cyber & Technology page lists a named contact (its EVP, U.S. Cyber & Technology Leader) and the email cyber@lockton.com as the way to reach the team, rather than a self-serve online quote tool. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) |

## Full Comparison

- [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Founder Shield vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-lockton/cargo-transit)
- [Founder Shield vs Lockton Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-lockton/commercial-property)
- [Founder Shield vs Lockton Crime Insurance](https://spot.insure/compare/foundershield-vs-lockton/crime)
- [Founder Shield vs Lockton D&O Insurance](https://spot.insure/compare/foundershield-vs-lockton/directors-officers)
- [Founder Shield vs Lockton Employee Health Benefits](https://spot.insure/compare/foundershield-vs-lockton/employee-health-benefits)
- [Founder Shield vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-lockton/employment-practices)
- [Founder Shield vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-lockton/fiduciary)
- [Founder Shield vs Lockton General Liability Insurance](https://spot.insure/compare/foundershield-vs-lockton/general-liability)
- [Founder Shield vs Lockton Product Liability Insurance](https://spot.insure/compare/foundershield-vs-lockton/product-liability)
- [Founder Shield vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/foundershield-vs-lockton/representations-warranties)
- [Founder Shield vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-lockton/workers-compensation)
- [Alliance Risk vs Founder Shield Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/cyber)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Amelia Risk vs Founder Shield Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [At-Bay vs Founder Shield Cyber Insurance](https://spot.insure/compare/at-bay-vs-foundershield/cyber)
- [At-Bay vs Lockton Cyber Insurance](https://spot.insure/compare/at-bay-vs-lockton/cyber)

## 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. [Cyber Liability Insurance](https://foundershield.com/coverage/cyber-liability-insurance/). Founder Shield; What Is Cyber Liability Insurance?; Who Needs Cyber Insurance Coverage?; What Does Cyber 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.

### Lockton

8. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
9. [Technology](https://global.lockton.com/us/en/technology). Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
10. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
11. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A Custom Approach; The Lockton Difference; Inform, Improve, and Insure three-step approach; team of over 100 Associates; contact cyber@lockton.com. Accessed 2026-09-23.

### Cyber Insurance Guide

12. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foundershield-vs-lockton/cyber.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)