---
title: "Founder Shield vs Marsh McLennan Agency (MMA)"
description: "Compare Founder Shield and Marsh McLennan Agency (MMA) by insurer and broker roles, coverage route, and service questions to take to a quote."
canonical: "https://spot.insure/compare/foundershield-vs-marsh-mclennan-agency"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

# Founder Shield vs Marsh McLennan Agency (MMA)

Compare Founder Shield and Marsh McLennan Agency (MMA) by insurer and broker roles, coverage route, and service questions to take to a quote.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Founder Shield focuses on venture-backed and high-growth companies and describes an online startup insurance workflow; MMA serves the middle market and lists broad industry and small-business services. The public records do not settle the contracting producer for every Founder Shield placement or the entity and insurer on an MMA proposal, so compare those documents directly. [1](https://foundershield.com/ "Founder Shield") [30](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Founder Shield

Role: Broker.

Broker Spot Score: **5.3/10** (partial score; 40% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/foundershield/reliability).

### Marsh McLennan Agency

Role: Broker.

Broker Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.); Carrier-Network Strength (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.); Regulatory Conduct (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.); Disclosure Clarity (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/marsh-mclennan-agency/reliability).

## Founder Shield Reviews

Review Score: 7.4 / 10 from 1 rated source, equally weighted.

Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.

- Trustpilot: TrustScore 3.7 (5 stars); 1 reviews. Trustpilot profile for foundershield.com; one US customer review, categorized as insurance broker/business insurance. Period: Review 2023-03-14; none in prior 12 months. Checked 2026-09-25. [foundershield.com Reviews | Trustpilot](https://www.trustpilot.com/review/foundershield.com)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/foundershield/reviews).

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews).





## Coverage Comparison

| Coverage Type | Founder Shield | Marsh McLennan Agency |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed [40](https://www.marshmma.com/us/solutions/property.html "Property Insurance") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Founder Shield lists transit and transportation coverage for goods in transit or stored offsite. [11](https://foundershield.com/coverage/ "Coverage") | Listed [37](https://www.marshmma.com/us/solutions/international.html "International") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Founder Shield lists property insurance among its core offerings. [11](https://foundershield.com/coverage/ "Coverage") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Contract frustration](https://spot.insure/coverage/contract-frustration) | Listed: Founder Shield lists Key Person & Contract Frustration among its specialized offerings. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Crime](https://spot.insure/coverage/crime) | Listed: Founder Shield lists crime insurance among its core offerings. [11](https://foundershield.com/coverage/ "Coverage") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Founder Shield lists cyber liability among its core offerings. [11](https://foundershield.com/coverage/ "Coverage") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Digital assets](https://spot.insure/coverage/digital-assets) | Listed: Founder Shield lists digital-asset insurance among its specialized offerings. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Founder Shield lists directors and officers insurance among its core offerings. [11](https://foundershield.com/coverage/ "Coverage") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Founder Shield lists Employee Health & Benefits among its services. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Founder Shield lists employment practices liability among its core coverage services. [11](https://foundershield.com/coverage/ "Coverage") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Founder Shield lists ERISA fidelity bonds among its specialized coverages. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Founder Shield lists fiduciary liability among its core coverages. [11](https://foundershield.com/coverage/ "Coverage") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Founder Shield lists general liability among its core coverage offerings. [11](https://foundershield.com/coverage/ "Coverage") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Generative AI liability](https://spot.insure/coverage/generative-ai-liability) | Listed: Founder Shield markets generative-AI liability for US businesses with revenue up to $10 billion that use generative AI but do not sell it as a standalone product. [14](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") | Not listed |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Founder Shield lists hired and non-owned auto among its specialized coverage offerings. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Founder Shield arranges intellectual property insurance. [11](https://foundershield.com/coverage/ "Coverage") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Founder Shield lists key person insurance among its specialized coverages. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Last-mile delivery](https://spot.insure/coverage/last-mile-delivery) | Listed: Founder Shield lists last-mile delivery among its specialized coverage offerings. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Media liability](https://spot.insure/coverage/media) | Listed: Founder Shield arranges media liability insurance for content creators. [28](https://foundershield.com/coverage/content-creator/ "Content Creator Insurance") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Founder Shield lists product liability insurance. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Founder Shield lists errors and omissions for lawsuits alleging inferior work or service. [11](https://foundershield.com/coverage/ "Coverage") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: Founder Shield lists representations and warranties insurance for mergers and acquisitions. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed [44](https://www.marshmma.com/us/solutions/surety.html "Surety") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Founder Shield lists umbrella insurance. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Venture capital asset protection](https://spot.insure/coverage/venture-capital-asset-protection) | Listed: Founder Shield lists venture capital asset protection for management and investment-advisory liability. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Listed: Founder Shield lists virtual care and telehealth insurance for tech-enabled healthcare companies. [11](https://foundershield.com/coverage/ "Coverage") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Founder Shield lists workers’ compensation insurance. [11](https://foundershield.com/coverage/ "Coverage") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Startup-focused advice or a middle-market account

Founder Shield says venture-backed and high-growth businesses can use its industry practices from early funding through IPO. MMA describes the future Marsh Agency as serving middle-market clients and lists industries including construction, healthcare, manufacturing, real estate and transportation. Those stated audiences are not eligibility thresholds. A founder should ask Founder Shield which practice and policies fit the company's stage; a buyer evaluating a broader program should ask MMA which specialists and insurers would handle the requested lines. [6](https://foundershield.com/startup-insurance/ "Startup Insurance") [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") [36](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries")

## Portal steps are not a binding promise

Founder Shield says buyers can create an account, complete an application, approve a proposal, choose payment and start date, then sign remaining documents while its team handles insurer paperwork. Its page's application-time statement does not guarantee insurer quote speed or coverage start. MMA invites small businesses to call for a quote and does not document an online application or bind flow on that page. Compare the written sequence, effective-date confirmation and responsible producer for your own placement. [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?") [6](https://foundershield.com/startup-insurance/ "Startup Insurance") [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

## Scope, servicing and claim roles

Founder Shield lists general liability, property, workers' compensation, cyber, E&O, D&O, EPL, fiduciary and specialty options. MMA lists several small-business lines and says its business unit works across industries; neither list establishes that products are interchangeable or available to a particular company. Ask for the named producer and insurer, policy forms, limits, exclusions, total fees and commissions, renewal owner and claims contacts. Founder Shield’s terms name The Baldwin Group Specialty Solutions, LLC, while its License Status disclosure names Foundershield LLC; neither name alone confirms the producer on this proposal. Read the producer and insurer disclosures in the quote documents. [11](https://foundershield.com/coverage/ "Coverage") [2](https://foundershield.com/terms-of-service/ "Terms of Service") [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [42](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Founder Shield | Marsh McLennan Agency |
| --- | --- | --- |
| Business role | Founder Shield helps businesses choose and arrange insurance with insurers; its terms say it does not insure risks or decide whether claims are covered. [1](https://foundershield.com/ "Founder Shield") [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Brand’s documented intermediary role. No assertion of current state licensure or universal underwriting authority.; verified: 2026-09-15.)<br><br>Founder Shield is part of The Baldwin Group, which lists it among acquired firms; Founder Shield describes its role as the group’s innovation arm. [3](https://foundershield.com/about-us/ "About Us") [4](https://baldwin.com/partnerships/ "Partnerships") (Evidence: Company-reported; scope: Current brand relationship corroborated by the group’s own site. No claim about ultimate investors, public listing status or a current intermediary ownership chain.; verified: 2026-09-15.)<br><br>Confirm the producer for your account: Founder Shield’s terms identify The Baldwin Group Specialty Solutions, LLC, while its license disclosures identify Foundershield LLC. [2](https://foundershield.com/terms-of-service/ "Terms of Service") [24](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Not found in reviewed sources; scope: The retained terms and licensing sources disclose those names separately. They do not establish a subsidiary relationship, merger, successor relationship or the producer for a particular account.; verified: 2026-09-29.)<br><br>If regulatory compliance matters to your selection, note that New York DFS fined Foundershield LLC $36,600 for late excess-line filings covering 2019–2023; the 2025 consent order concerns filing compliance, not claims payment. [24](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Verified; scope: August 21, 2025 disciplinary notice, PDF page 6, visually checked against the original. Does not establish current license status, remediation, policy invalidity or a pattern of claims conduct.; verified: 2026-09-15.) | As of 2026-09-28, Marsh’s US legal-entity page lists Marsh & McLennan Agency LLC as the current entity name for Marsh Agency (formerly MMA) and Marsh Agency LLC as proposed, with displayed state completion statuses marked TBD. Louisiana’s regulator lists Marsh & McLennan Agency LLC as a producer agency with active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31. This is Louisiana-specific producer evidence, not evidence of an insurer role or nationwide licensing. [38](https://www.marsh.com/en/about/legal-entity-us-ca.html "Marsh legal entities") [29](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency "Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC") (Evidence: Verified; scope: Current entity name and proposed legal-name transition as listed on Marsh’s US legal-entity page, plus producer-authority evidence for Louisiana only, accessed 2026-09-28. No other state licensing was audited; this record does not establish an insurer or underwriting role.; verified: 2026-09-28.)<br><br>Marsh McLennan Agency describes itself as a business of Marsh and lists business insurance, employee health and benefits, retirement and wealth, and private-client insurance services across the United States and Canada. [30](https://www.marshmma.com/us/mma/about-us.html "Who We Are") (Evidence: Company-reported; scope: Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role.; verified: 2026-09-29.) |
| Customer focus | Venture-backed and high-growth businesses from early rounds through IPO can use Founder Shield’s industry practices in technology, life sciences, finance, 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.) | MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") (Evidence: Company-reported; scope: Company-stated role and customer focus for the future Marsh Agency operating brand; not a revenue, size, or eligibility threshold.; verified: 2026-09-28.)<br><br>MMA’s US industry directory includes pages for construction, financial institutions, healthcare, manufacturing, real estate, and transportation and trucking. These are examples of stated sector focus, not a complete appetite or eligibility list. [36](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries") (Evidence: Company-reported; scope: Examples from MMA’s national US industry directory; the directory is evidence of stated sector focus, not a complete appetite or eligibility list.; verified: 2026-09-28.) |
| Application process | You can start by creating an account through Founder Shield’s quote portal using Google, Microsoft or email sign-in. [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 says its application takes under 15 minutes, but that does not guarantee how quickly insurers will quote or when coverage can start. [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 bind coverage, Founder Shield says you approve the proposal, choose payment and a start date, then sign remaining documents while its team handles insurer 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.) | MMA’s US small-business page lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability, and invites buyers to call 833-256-4266 for a personalized quote. The page also contains a small-business specialist form, but its function and any online application, purchase, or binding route are not established by the page reviewed. [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") (Evidence: Company-reported; scope: US small-business landing page only. The phone invitation does not establish quote speed, eligibility, online purchase or binding; the embedded specialist form's function was not established.; verified: 2026-09-29.) |
| Servicing and renewals | For a contract certificate, email Founder Shield the other party’s legal name and address, required wording and the contract insurance clause 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>Tell Founder Shield when products, business model, offices or territories change so it can review whether your coverage needs adjustment. [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>Start preparing for renewal 60–90 days before expiration with updated business information and claims history; Founder Shield calls this planning guidance, not a 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>Check minimum-earned-premium terms before binding because some insurers keep part of the premium if you cancel early; Founder Shield directs cancellation requests to support. [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.) | MMA says the Marsh Agency brand transition will not change clients’ account manager, team, or point of contact, and will not affect existing policies or programs; clients may see the legal-name change during renewals. This describes the rebrand transition, not MMA’s general renewal process. [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") (Evidence: Company-reported; scope: Only the announced Marsh Agency rebrand and its stated effect on existing clients; this does not document MMA’s general renewal workflow, renewal service level, or policy terms.; verified: 2026-09-28.)<br><br>MMA’s Tampa office page lists InsurLink for policy and endorsement access, CSR24 for certificates, carrier contact information for commercial and personal-lines claims, and a local-consultant contact route. [45](https://www.marshmma.com/us/locations/florida/tampa.html "Tampa, Florida") (Evidence: Company-reported; scope: Services and client tools listed on the Tampa, Florida office page only. The claims listing provides carrier contact information and does not establish that MMA adjusts claims.; verified: 2026-09-28.) |
| Claims assistance | Founder Shield says its advocates can guide claim reporting, disputes and policy review; report through the portal or the insurer’s policy contact, since the broker does not decide coverage. [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 can show claim updates, progress and insurer requests; the insurer makes the coverage decision. [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.) | On its business-interruption page, MMA says it will advocate with insurers for clients if complex claim issues arise. This is a company-reported service statement; it does not establish claim outcomes or an adjusting/payment role. [31](https://www.marshmma.com/us/solutions/business-interruption-insurance.html "Business Interruption Insurance") (Evidence: Company-reported; scope: Company-described support for complex claims in the business-income and contingent-business-interruption page context; not a promise of claim outcomes or evidence that MMA adjusts or pays claims.; verified: 2026-09-28.) |

## Related Reading

- [What Is Founder Shield Insurance?](https://spot.insure/insurance-providers/foundershield)
- [What Is Marsh McLennan Agency?](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## Related Comparisons

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- [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield)
- [Corgi vs Marsh McLennan Agency](https://spot.insure/compare/corgi-vs-marsh-mclennan-agency)
- [Coterie Insurance vs Founder Shield](https://spot.insure/compare/coterie-vs-foundershield)
- [Coterie Insurance vs Marsh McLennan Agency](https://spot.insure/compare/coterie-vs-marsh-mclennan-agency)
- [Counterpart vs Founder Shield](https://spot.insure/compare/counterpart-vs-foundershield)
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- [Coverdash vs Marsh McLennan Agency](https://spot.insure/compare/coverdash-vs-marsh-mclennan-agency)
- [Cowbell vs Founder Shield](https://spot.insure/compare/cowbell-vs-foundershield)
- [Cowbell vs Marsh McLennan Agency](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency)
- [Embroker vs Founder Shield](https://spot.insure/compare/embroker-vs-foundershield)
- [Embroker vs Marsh McLennan Agency](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency)

## 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; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. 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: Crime Insurance, Cyber Liability, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Property Insurance; Specialized Coverage: Digital Asset Insurance, ERISA Fidelity Bond, Hired & Non-Owned Auto, Intellectual Property, Key Person & Contract Frustration, Last-Mile Delivery Insurance, Transit & Transportation; product cards: Errors & Omissions, Product Liability, Representations and Warranties, Umbrella Insurance, VCAP, Virtual Care & Telehealth Insurance, Workers Compensation; Health & Benefits: Employee Health & Benefits; Get a Quote and Learn More links. Accessed 2026-09-16.
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 Generative AI Liability Insurance Coverage?; five coverage categories; Generative AI Liability Policy; What Does A Generative AI Liability Policy Not Cover?; Speak with a Generative AI Liability Insurance Broker; Get a Quote. Accessed 2026-09-16.
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. 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; Content Creator Insurance product introduction; What Is Content Creator Insurance? FAQ: media liability coverage for creators. Accessed 2026-09-16.

### [Marsh McLennan Agency Official Website](https://www.marshmma.com/us/mma/about-us.html)

29. [Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency). Louisiana Department of Insurance; Producer Agency Detail, lines 7-49: entity, producer-agency classification, license number, authorities and validity through 2028-03-31; lines 53-57: historical 2010 lapse/resume entries; lines 69-72: entity-record actions display. Accessed 2026-09-28.
30. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
31. [Business Interruption Insurance](https://www.marshmma.com/us/solutions/business-interruption-insurance.html). Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established. Accessed 2026-09-28.
32. [Casualty](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Lines 203-205 and 211-224: casualty advisory, claims advocacy, risk analytics and workers’ compensation. No adjusting or paying role established. Accessed 2026-09-29.
33. [Cyber](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Lines 205-207: network security, privacy, technology and emerging cyber risks; lines 226-228: prepare, mitigate, respond, recover, claims advocacy and carrier liaison. Company-reported support, not outcomes or insurer identity. Accessed 2026-09-29.
34. [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html). Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD. Accessed 2026-09-28.
35. [Executive and Professional Liability](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Lines 204-210 name D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, architects and engineers, lawyers professional, kidnap and ransom; lines 211-213 explain D&O; following section explains EPL. Lists do not establish policy terms. Accessed 2026-09-29.
36. [Insurance Services for All Industries](https://www.marshmma.com/us/industries/view-all-industries.html). Marsh McLennan Agency; National US industry directory, lines 209-252; examples include construction (219), financial institutions (224), healthcare (229), manufacturing (236), real estate (243), and transportation and trucking (252). Accessed 2026-09-28.
37. [International](https://www.marshmma.com/us/solutions/international.html). Marsh McLennan Agency; Lines 204-206 and 228-231: international placement; business travel accident, control master, foreign package, K&R, political risk/trade credit, surety, marine cargo. Not a domestic availability guarantee. Accessed 2026-09-29.
38. [Marsh legal entities](https://www.marsh.com/en/about/legal-entity-us-ca.html). Marsh; Marsh Agency formerly known as MMA, US entities and proposed-name status, lines 528-587: current Marsh & McLennan Agency LLC, proposed Marsh Agency LLC, listed state statuses TBD. Accessed 2026-09-28.
39. [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency). Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658. Accessed 2026-09-28.
40. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Lines 205-210 describe commercial property and physical assets; property page coverage section also lists builders’ risk. Company marketing only; no policy wording, limits, exclusions, insurer, or eligibility. Accessed 2026-09-29.
41. [Rebranding to Marsh Agency](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html). Marsh McLennan Agency; Accepted repaired inspection lines 215-224: account/team/contact and existing policy continuity through transition, legal name may appear at renewal. Transition statement only; not general renewal workflow. Accessed 2026-09-29.
42. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named. Accessed 2026-09-29.
43. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
44. [Surety](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Lines 205-207 and 224-233: surety, contract/commercial surety, and license/permit bonds. No surety carrier, collateral, price, or issuance time established. Accessed 2026-09-29.
45. [Tampa, Florida](https://www.marshmma.com/us/locations/florida/tampa.html). Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role. Accessed 2026-09-29.
46. [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic). Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways. Accessed 2026-09-29.

Updated 2026-09-29. 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-marsh-mclennan-agency.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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