---
title: "Founder Shield vs Pie Insurance: Professional Liability (E&O) Insurance"
description: "Pie says its errors and omissions coverage responds to inaccurate advice, misrepresentation, negligence and violation of good faith, while Founder Shield's E&O list centers on lost-earnings coverage and defense against disciplinary or regulatory proceedings."
canonical: "https://spot.insure/compare/foundershield-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-pie-insurance"
provider-a: "foundershield"
provider-b: "pie-insurance"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/foundershield-vs-pie-insurance/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Founder Shield and Pie Insurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Founder Shield versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Founder Shield vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Founder Shield or Pie Insurance?
- What does Founder Shield or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Founder Shield and Pie Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# Founder Shield vs Pie Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

Pie Insurance gets small businesses E&O through carrier partners and names architects, contractors, consultants and agents as typical buyers; Founder Shield focuses on venture firms, SaaS marketplaces and software developers.

Pie names specific claim types like inaccurate advice and violation of good faith; Founder Shield's list centers on lost earnings and regulatory defense instead.

## Founder Shield vs Pie Insurance Professional Liability (E&O) Insurance Summary

Pie says its errors and omissions coverage responds to inaccurate advice, misrepresentation, negligence and violation of good faith, while Founder Shield's E&O list centers on lost-earnings coverage and defense against disciplinary or regulatory proceedings. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

## What Are the Key Differences Between Founder Shield and Pie Insurance Professional Liability (E&O) Insurance?

### How Coverage Is Described

Pie describes errors and omissions insurance as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") Founder Shield names a different set of covered scenarios: defense against disciplinary or regulatory proceedings and lost earnings, alongside claims tied to employee or contractor errors; its reviewed page does not state a comparable criminal-prosecution exclusion. [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

When comparing Founder Shield and Pie Insurance, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.

### Who Each Page Names as a Fit

Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") Founder Shield instead markets its E&O line to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

### Carrier Disclosure

Founder Shield says it places E&O only with carriers rated A- or better by AM Best, chosen for the client's industry:

Founder Shield says it places policies, including Founder Shield Errors & Omissions Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..)

Pie instead says it helps small businesses get coverage "from our insurance carrier partners," without naming a specific insurer or a rating standard for those partners. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## What Should You Confirm in Founder Shield and Pie Insurance Professional Liability (E&O) Insurance Quotes?

- Ask Pie which of its carrier partners would issue your policy and what rating that carrier holds. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Founder Shield's stated standard is a carrier rated A- or better by AM Best; ask it to name the actual carrier for your placement. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Pie's page gives no limit or deductible figures, and Founder Shield's page gives none either; ask both for specific numbers. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")
- Ask Pie whether its stated exclusion for criminal prosecution affects any regulatory claims common in your profession, and ask Founder Shield how its disciplinary or regulatory defense coverage compares. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

## Founder Shield vs Pie Insurance Professional Liability (E&O) Compared

| Criteria | Founder Shield Errors & Omissions Insurance | Pie Errors and Omissions Insurance |
| --- | --- | --- |
| Who It’s For | Founder Shield markets E&O to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list..) |
| How to Apply | You request Founder Shield Errors & Omissions 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. [2](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) |
| Coverage Features | Founder Shield lists defense costs, defense against disciplinary or regulatory proceedings, lost-earnings coverage, and claims from errors by employees or contractors as what E&O responds to. [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions..) |
| Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Errors & Omissions Insurance with third-party carriers rather than underwriting the policy itself. [2](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..)<br><br>Founder Shield says E&O (professional liability) is often packaged with technology E&O and cyber coverage since the two types of claims tend to intertwine. [1](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) |

## About Founder Shield and Pie Insurance

- [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/reviews)
- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Founder Shield vs Pie Insurance

- [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/foundershield/professional-errors-omissions)
- [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions)

## Sources for Founder Shield vs Pie Insurance

### Sources About Founder Shield

1. [Errors & Omissions Insurance](https://foundershield.com/coverage/errors-and-omissions-insurance/). Founder Shield; What Is Errors & Omissions Insurance?; Who Needs Errors & Omissions Insurance Coverage?; What Does Errors and Omissions Insurance Cover?. Accessed 2026-09-23.
2. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.

### Sources About Pie Insurance

4. [Errors and Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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