---
title: "Founder Shield vs Lockton"
description: "How Founder Shield’s venture-backed portal and Baldwin Group affiliation compare with Lockton’s privately held technology brokerage."
canonical: "https://spot.insure/compare/foundershield-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Founder Shield", "Lockton"]
---

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

# Founder Shield vs Lockton

How Founder Shield’s venture-backed portal and Baldwin Group affiliation compare with Lockton’s privately held technology brokerage.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Founder Shield is a commercial broker for venture-backed and high-growth companies, with an online account and published carrier-selection criteria, now within The Baldwin Group. Lockton is a privately held broker that starts with a specialist inquiry and does not publish a startup portal or named carrier panel. [1](https://foundershield.com/ "Founder Shield") [3](https://foundershield.com/about-us/ "About Us") [30](https://global.lockton.com/us/en/technology "Technology") [48](https://global.lockton.com/us/en/our-story "Our Story")



## Introduction

Founder Shield markets to companies from early funding through later growth and describes advisors, an application portal and carrier shopping. Public materials place it in The Baldwin Group family. [1](https://foundershield.com/ "Founder Shield") [3](https://foundershield.com/about-us/ "About Us") [4](https://baldwin.com/partnerships/ "Partnerships") Lockton stresses private ownership and a technology practice across hardware, software and related sectors, without a documented self-serve bind. [48](https://global.lockton.com/us/en/our-story "Our Story") [30](https://global.lockton.com/us/en/technology "Technology")

A company raising Series B that used Founder Shield for directors and officers (D&O) liability at seed, and is now adding international subsidiaries and benefits, is choosing between **two retail brokers** with different ownership stories and intake styles. Ownership is not a coverage ranking. [36](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions")

## Documented Provider Strengths

### Founder Shield

- A focus on venture-backed and high-growth businesses spans early funding rounds through an initial public offering. [1](https://foundershield.com/ "Founder Shield") [6](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.)
- Founder Shield asks clients to flag new products, business models, offices and territories so its team can review coverage changes. [19](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?") (Evidence: Company-reported; scope: Changes FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change.; verified: 2026-09-15.)

### Lockton

- Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [29](https://global.lockton.com/us/en "Lockton United States") [41](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [48](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)
- US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [30](https://global.lockton.com/us/en/technology "Technology") [31](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [32](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [34](https://global.lockton.com/us/en/products-services/property "Property Insurance") [35](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [36](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [37](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Founder Shield | Lockton |
| --- | --- | --- |
| Cargo and transit | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial auto | Not listed | Listed [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial property | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [34](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| Contract frustration | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Crime | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Cyber liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [31](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [30](https://global.lockton.com/us/en/technology "Technology") |
| Digital assets | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Directors and officers | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [32](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [30](https://global.lockton.com/us/en/technology "Technology") |
| Employee health and benefits | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [36](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| Employment practices liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Fidelity bonds | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Fiduciary liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [37](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| General liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Generative AI liability | Listed [14](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") | Not listed |
| Hired and non-owned auto | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Intellectual property | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Key person | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Last-mile delivery | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Media liability | Listed [28](https://foundershield.com/coverage/content-creator/ "Content Creator Insurance") | Not listed |
| Product liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Professional liability / E&O | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Representations and warranties | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Surety bonds | Not listed | Listed [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Umbrella and excess liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Venture capital asset protection | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Virtual care and telehealth | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| Workers’ compensation | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [35](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Founder Shield and Lockton

### Who They Say They Serve

Founder Shield’s venture-backed focus is explicit. [6](https://foundershield.com/startup-insurance/ "Startup Insurance") Lockton’s technology page does not publish a minimum funding stage. [30](https://global.lockton.com/us/en/technology "Technology") A bootstrapped company cannot treat either catalogue as a commitment to take the account.

### Portal Versus Inquiry

Founder Shield’s quote portal and binding frequently asked questions describe account creation, proposal approval and payment. [7](https://apx.foundershield.com/ "Quote Portal") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/ "How Do I Bind Coverage?") Lockton’s U.S. path is Ask an Expert. [40](https://global.lockton.com/us/en/contact-us "Contact Us")

### Group Pay and Day-to-Day Tools

Baldwin Group affiliation is relevant to conflict and extra-compensation questions. Lockton discloses contingent and affiliate compensation in Terms of Business, including Lockton Re. Neither group identity names the insurer on your policy. [41](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") Founder Shield documents certificates, coverage-change requests and claims reporting support. [21](https://foundershield.com/claims/ "Claims") Lockton documents claims advocacy and dedicated servicing without describing a public certificate workflow of the Founder Shield type. [39](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims")

## What to Confirm in Quotes

- **Appetite for your round and geography**, including international subsidiaries. [1](https://foundershield.com/ "Founder Shield") [30](https://global.lockton.com/us/en/technology "Technology")
- **Proposed insurers** against Founder Shield’s selection criteria and Lockton’s unnamed markets. [41](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")
- **Benefits** as Lockton People Solutions or a Founder Shield scope item. [36](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions")
- **New York licensing context** Founder Shield discloses, independently of Lockton’s unverified California DBA number. [50](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License")



## Service Comparison

Founder Shield vs Lockton: documented services and availability.

| Criteria | Founder Shield | Lockton |
| --- | --- | --- |
| Customer focus | Founder Shield focuses on venture-backed and high-growth businesses, from early funding rounds through an initial public offering. Its practices include technology, life sciences, financial services, retail and transportation. [1](https://foundershield.com/ "Founder Shield") [6](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.) | Lockton markets to organizations seeking risk, benefits and retirement brokerage. Its US technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Separate pages address private-equity firms, including portfolio-company programs. The reviewed pages do not publish a minimum company size, funding stage or revenue floor for technology clients. [29](https://global.lockton.com/us/en "Lockton United States") [30](https://global.lockton.com/us/en/technology "Technology") [38](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.) |
| Application process | The Get a Quote link opens a portal with Create Account and Sign In options. Registration offers Google, Microsoft, or an email address and password. [7](https://apx.foundershield.com/ "Quote Portal") [8](https://apx.foundershield.com/register "Create Account") (Evidence: Verified; scope: Public interface directly observed in Chrome on September 15, 2026. No sign-in, identity-provider flow, registration submission, quote or authenticated workflow tested.; verified: 2026-09-15.)<br><br>Founder Shield advertises an application that takes under 15 minutes. That is an application-time claim, not a guaranteed time to receive insurer terms or put coverage in force. [6](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Startup page marketing claim. No timed application or binding exercise performed.; verified: 2026-09-15.)<br><br>To buy coverage, Founder Shield’s FAQ says you approve a proposal, select a payment method and choose the desired start date. Its team then follows up on documents needing electronic signatures and handles the insurer’s paperwork. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/ "How Do I Bind Coverage?") (Evidence: Company-reported; scope: Documented general process; the actual carrier’s outstanding requirements and confirmation determine the transaction. No completed purchase observed.; verified: 2026-09-15.) | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [40](https://global.lockton.com/us/en/contact-us "Contact Us") [29](https://global.lockton.com/us/en "Lockton United States") [43](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [31](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [42](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) |
| Servicing and renewals | Founder Shield’s certificate FAQ directs customers to email the team. For a request tied to a contract, it asks for the other party’s legal name and address, required wording, and the insurance requirements from the contract so the team can assess endorsement needs. [18](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-get-a-certificates-of-insurance/ "How Do I Get a Certificates of Insurance?") (Evidence: Company-reported; scope: Company-described COI process. No certificate requested and no turnaround independently measured. A request is not confirmation that all requested wording is covered.; verified: 2026-09-15.)<br><br>Founder Shield asks clients to report changes such as a new product, a different business model, a new office or entry into another territory. Its team says it will evaluate those changes and adjust coverage. [19](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?") (Evidence: Company-reported; scope: Changes FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change.; verified: 2026-09-15.)<br><br>Founder Shield describes a platform for applications and renewals, with ongoing advisor support. Its renewal guide suggests starting 60–90 days before expiration and preparing updated business information and claims history. That is planning guidance, not a promised renewal-service deadline. [1](https://foundershield.com/ "Founder Shield") [20](https://foundershield.com/blog/business-insurance-renewal-checklist-for-startups/ "The Ultimate Business Insurance Renewal Checklist for Startups") (Evidence: Company-reported; scope: Homepage platform description and January 2026 renewal guidance. No authenticated renewal tested, automatic renewal guarantee or fixed service-level agreement found.; verified: 2026-09-15.)<br><br>Founder Shield’s terms direct cancellation requests to client support and warn that some insurers retain a minimum earned premium—a portion you cannot recover by cancelling early. Check the proposal’s cancellation terms. [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: General cancellation description; refund amounts, financed balances and effective dates depend on the contract.; verified: 2026-09-15.) | Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [33](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [30](https://global.lockton.com/us/en/technology "Technology") [41](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [34](https://global.lockton.com/us/en/products-services/property "Property Insurance") [29](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) |
| Fees and compensation | Founder Shield’s pricing FAQ says quotes generally cover one year, unless stated otherwise, and include the fees and charges for that policy period. It describes full payment, carrier installments and financing through premium-finance companies, depending on the policy and payment arrangement. [22](https://foundershield.com/insurance-faqs/general-faqs/what-am-i-actually-getting-for-the-price-of-business-insurance/ "What Am I Actually Getting For the Price of Business Insurance?") (Evidence: Company-reported; scope: General billing description, not a quoted premium, guaranteed financing eligibility or a statement that borrowing costs are included in the insurance price.; verified: 2026-09-15.)<br><br>Founder Shield discloses compensation through commissions, fees or interest and invites questions about the amount and nature of that compensation. Its terms say customer charges will be disclosed in advance. [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Fees and Charges section. No account-specific compensation amount or universally applicable fee schedule obtained.; verified: 2026-09-15.)<br><br>The Baldwin Group’s January 2026 disclosure also describes client fees, commissions tied to volume or profitability, compensation for affiliated placement services, and referral fees from providers such as premium-finance companies. These are possible group arrangements, not a finding that each applies to your Founder Shield policy. [23](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") (Evidence: Company-reported; scope: Group-wide disclosure, not account-specific remuneration. Client fees can be in lieu of or additional to retail commissions. No inferred misconduct or automatic financial conflict outcome.; verified: 2026-09-15.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [41](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) |
| Claims assistance | Founder Shield describes claims advocacy that includes reporting guidance, help with disputes and policy review when defense counsel is needed. Its claims page says you can report through the portal at any time or directly to the insurer using the notice details in the policy. [21](https://foundershield.com/claims/ "Claims") (Evidence: Company-reported; scope: Company description of reporting and advocacy, not evidence of response speed, settlement quality or coverage entitlement. The public claims link redirected to login; no claim submitted.; verified: 2026-09-15.)<br><br>Founder Shield says its app offers claim updates, progress tracking and requests for information from the insurer. The insurer’s coverage decision remains separate from the broker’s assistance. [21](https://foundershield.com/claims/ "Claims") [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Public claims-page capabilities and terms’ no-coverage-determinations disclosure. No claim file or payment outcome reviewed.; verified: 2026-09-15.) | Lockton describes claims advocacy as a service, not as the insurer paying claims. Technology, D&O and fiduciary pages say a Professional & Executive Risk Claims team, including insurance and claims counsel, is integrated with the broking team and that claims advocacy is not treated as a profit center. Loss-prevention pages describe claims consulting: investigations, mapping facts to policies, preparing presentations, and discussions with insurer lawyers and loss adjusters. Workers’ compensation pages mention claims service advocates. Terms of Business include claims handling and claims processing among Lockton’s intermediary services and state Lockton is not responsible for an insurer’s solvency or willingness to pay. These descriptions do not establish claims outcomes or handling quality. [30](https://global.lockton.com/us/en/technology "Technology") [32](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [37](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [39](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [35](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [41](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) |

## Related Reading

- [What Is Founder Shield Insurance?](https://spot.insure/insurance-providers/foundershield)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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- [Founder Shield vs Mylo](https://spot.insure/compare/foundershield-vs-mylo)
- [Founder Shield vs Newfront](https://spot.insure/compare/foundershield-vs-newfront)
- [Founder Shield vs ERGO NEXT Insurance](https://spot.insure/compare/foundershield-vs-next-insurance)
- [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance)
- [Founder Shield vs Relm Insurance](https://spot.insure/compare/foundershield-vs-relm)
- [Founder Shield vs Resilience](https://spot.insure/compare/foundershield-vs-resilience)
- [Founder Shield vs RiskCube](https://spot.insure/compare/foundershield-vs-riskcube)
- [Founder Shield vs Risklytics Insurance](https://spot.insure/compare/foundershield-vs-risklytics)
- [Founder Shield vs StartupInsurance.ai](https://spot.insure/compare/foundershield-vs-startupinsurance)
- [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-vs-techinsurance)
- [Founder Shield vs The Hartford](https://spot.insure/compare/foundershield-vs-the-hartford)
- [Founder Shield vs Travelers Insurance](https://spot.insure/compare/foundershield-vs-travelers)
- [Founder Shield vs USI](https://spot.insure/compare/foundershield-vs-usi)
- [Founder Shield vs Vouch](https://spot.insure/compare/foundershield-vs-vouch)
- [Founder Shield vs WithCoverage](https://spot.insure/compare/foundershield-vs-withcoverage)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton)
- [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton)
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton)
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage)

## Sources

### [Founder Shield Official Website](https://foundershield.com)

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. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
3. [About Us](https://foundershield.com/about-us/). Founder Shield; Opening description and Charting Your path from MVP to IPO. Accessed 2026-09-15.
4. [Partnerships](https://baldwin.com/partnerships/). The Baldwin Group; Brand-change introduction and 2020–2024 acquisitions list, Founder Shield entry. Accessed 2026-09-15.
5. [List of Subsidiaries as of February 26, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/exhibit-211fy2025q4.htm). The Baldwin Insurance Group, Inc. (SEC filing); Exhibit 21.1, list as of February 26, 2026: The Baldwin Group Specialty Solutions, LLC, Florida. Accessed 2026-09-15.
6. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider; What Coverage Does your Startup Need?. Accessed 2026-09-15.
7. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
8. [Create Account](https://apx.foundershield.com/register). Founder Shield; Public registration screen: Google, Microsoft, email and password options. Accessed 2026-09-15.
9. [How Do I Bind Coverage?](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/). Founder Shield; Jonathan Selby answer, November 25, 2024: proposal approval, payment, effective date and electronic signatures. Accessed 2026-09-15.
10. [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; Jonathan Selby answer, November 25, 2024: appetite, stated rating standard and carrier-selection criteria. Accessed 2026-09-15.
11. [Coverage](https://foundershield.com/coverage/). Founder Shield; Core Coverage and Specialized Coverage lists. Accessed 2026-09-15.
12. [How Do We Purchase “A La Carte” Commercial Insurance?](https://foundershield.com/insurance-faqs/general-faqs/how-do-we-purchase-a-la-carte-commercial-insurance/). Founder Shield; Jonathan Selby answer, November 25, 2024: individual coverages, limits, deductibles and endorsements. Accessed 2026-09-15.
13. [Directors & Officers Insurance](https://foundershield.com/coverage/directors-and-officers-insurance/). Founder Shield; What Does D&O Insurance Cover?; Major Shareholder Exclusion; D&O Insurance Cost and Enhancements. Accessed 2026-09-15.
14. [Generative AI Liability Insurance](https://foundershield.com/coverage/generative-ai-liability-insurance/). Founder Shield; Who Needs coverage; five coverage categories; Generative AI Liability Policy; exclusions; Speak with a Generative AI Liability Insurance Broker. Accessed 2026-09-15.
15. [AI Liability Insurance for Brokers](https://www.testudo.co/brokers). Testudo; What does the policy cover? (six insuring agreements); Limits & pricing; target customers; application materials via Broker Platform. Accessed 2026-09-15.
16. [About Testudo](https://www.testudo.co/about). Testudo; What we do; Coverage you can rely on when it matters. Accessed 2026-09-15.
17. [Licenses and Regulatory Disclosures](https://www.testudo.co/licenses). Testudo; United States entity and non-risk-bearing role; United Kingdom entity disclosure. Accessed 2026-09-15.
18. [How Do I Get a Certificates of Insurance?](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-get-a-certificates-of-insurance/). Founder Shield; Luke Kaltreider answer, November 25, 2024: email requests, contract wording and endorsement needs. Accessed 2026-09-15.
19. [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.
20. [The Ultimate Business Insurance Renewal Checklist for Startups](https://foundershield.com/blog/business-insurance-renewal-checklist-for-startups/). Founder Shield; January 12, 2026; Know Your Part in the Renewal Process; The Early Start Advantage (60–90 days). Accessed 2026-09-15.
21. [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.
22. [What Am I Actually Getting For the Price of Business Insurance?](https://foundershield.com/insurance-faqs/general-faqs/what-am-i-actually-getting-for-the-price-of-business-insurance/). Founder Shield; Carl Niedbala answer, November 25, 2024: policy period, quoted charges, installments and premium financing. Accessed 2026-09-15.
23. [Transparency & Disclosure](https://baldwin.com/transparency-disclosure/). The Baldwin Group; Effective January 1, 2026; How The Baldwin Group is Compensated, including client fees, contingent commissions, affiliate services and referral fees. Accessed 2026-09-15.
24. [Disciplinary Actions Issued August 21, 2025](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf). New York State Department of Financial Services; Page 6 of 12, Region: New York, Foundershield LLC; $36,600 fine; consent order approved June 26, 2025. Accessed 2026-09-15.
25. [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elsearch.alis). New York State Department of Financial Services; Producer-search entry point; CAPTCHA prevented an entity-specific result during this review. Accessed 2026-09-15.
26. [License](https://baldwin.com/license/). The Baldwin Group; California entity/license table; neither Foundershield LLC nor The Baldwin Group Specialty Solutions, LLC is listed. Accessed 2026-09-15.
27. [Surplus Lines](https://content.naic.org/insurance-topics/surplus-lines). National Association of Insurance Commissioners; Background, Issue; updated October 27, 2025: nonadmitted specialized insurers cover risks unavailable in the admitted market. Accessed 2026-09-15.
28. [Content Creator Insurance](https://foundershield.com/coverage/content-creator/). Founder Shield; What Is Content Creator Insurance? Media liability coverage for creators. Accessed 2026-09-15.

### [Lockton Official Website](https://global.lockton.com/us/en)

29. [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.
30. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
31. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
32. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
33. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16.
34. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16.
35. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
36. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
37. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
38. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16.
39. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
40. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
41. [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.
42. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
43. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
44. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
45. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
46. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
47. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
48. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
49. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
50. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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