Founder Shield vs Lockton General Liability Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield General Liability Insurance with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. ¹¹Company-reported. General & Product Liability page as read 2026-09-23.

Founder Shield says it places policies, including Founder Shield General 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. ³Company-reported. General carrier-selection FAQ, not specific to this line's placements.

Neither page names the insurers Lockton places general liability coverage with. ^11,12Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23.

Founder Shield says general liability suits most businesses with a physical or customer-facing presence, including retail stores, tech startups, home-based businesses and property renters. ⁶Company-reported. General Liability product page.

Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. ¹¹Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix.

Founder Shield lists third-party bodily injury, property damage, personal and advertising injury (libel, slander, copyright infringement, invasion of privacy), and legal defense costs as what the policy covers. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

Founder Shield notes general liability excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), and damage to the policyholder's own property (covered by commercial property insurance). ⁶Company-reported. General Liability product page.

Lockton groups general liability brokerage with related casualty coverages it also places for the same clients: environmental impairment, medical malpractice, product recall and umbrella/excess liability, in addition to product liability itself. ¹¹Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

Not described in the reviewed sources.

Lockton's casualty pages say clients keep the same dedicated service team throughout the placement process, which Lockton says helps it anticipate client needs and create accountability. ¹²Company-reported. Casualty product page as read 2026-09-23.

You request Founder Shield General 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. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

Not described in the reviewed sources.