Founder Shield vs Marsh Crime Insurance

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

Marsh's financial and professional liability practice places commercial crime insurance; Marsh McLennan Agency (MMA), the middle-market subsidiary, also places crime coverage bundled with fidelity as part of its executive and professional liability practice. ^12,13Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.

Founder Shield says it places policies, including Founder Shield Crime Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ³Company-reported. General carrier-selection FAQ, not specific to this line's placements.

The reviewed pages do not name a specific crime insurer. Marsh says definitions and extensions for crime coverage differ across insurers and that it works to secure coverage aligned with a client's risks, implying the carrier varies by placement. ¹²Not publicly disclosed. Commercial crime insurance page as read on 2026-09-23.

Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of their exposure to internal or external theft. ⁶Company-reported. Crime Insurance product page.

Not described in the reviewed sources.

Founder Shield lists employee dishonesty (theft or embezzlement by an identified employee), forgery or alteration of financial instruments, computer fraud, and funds-transfer fraud from social engineering as the branches of crime coverage it places. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

Marsh lists employee white-collar fraud (including fidelity losses from trusted employees), third-party fraud, collusion, hacking or computer-related crime, social engineering fraud, and tangible asset theft as risks a commercial crime policy can address. It notes that crime policies usually exclude ransomware, though most cover direct financial losses from funds stolen by hackers. ¹²Company-reported. Commercial crime insurance page; the page is Marsh's global/UK financial-professional-liability practice content and cites a UK-based crime leader, so figures and coverage descriptions may not reflect a US-specific program.

Not described in the reviewed sources.

Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million (also stated in GBP as £10 million to £100 million elsewhere on the page), but does not publish standard limits, retentions or premiums for a specific placement. ¹²Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer.

Not described in the reviewed sources.

Marsh says it provides insights on emerging crime risks, claim examples, market conditions and product education throughout renewal and placement, and offers infill and top-up social engineering cover in excess of a client's existing program. ¹²Company-reported. Commercial crime insurance page, Why Marsh section.

You request Founder Shield Crime Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

You engage Marsh's crime specialists (Marsh corporate or MMA) directly to identify crime exposure and place coverage; the reviewed pages describe advisor-led placement rather than an online quote tool. ^12,13Company-reported. Commercial crime insurance and MMA executive and professional liability pages.