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Founder Shield vs Resilience

Distinguish Founder Shield’s AI-user liability offering from Resilience’s technology E&O when a company both buys and builds AI.

Introduction

A company can use third-party AI internally while selling software to customers. That distinction matters here: Founder Shield markets an AI-user liability product with an explicit restriction on AI sellers, while Resilience lists AI among technology E&O business categories. A buyer should first describe both activities, not treat the word AI as proof that the products overlap. 14 32

Where Each Provider Shines

Where Founder Shield Shines

  • A focus on venture-backed and high-growth businesses spans early funding rounds through an initial public offering. 1,6
  • Founder Shield asks clients to flag new products, business models, offices and territories so its team can review coverage changes. 19

Where Resilience Shines

  • Technology E&O for software, hardware and technology services 32
  • Financial risk prioritization and multi-entity cyber visibility 36,37

Coverage Comparison

Coverage TypeFounder ShieldResilience
Cargo and transitListed 11Not listed
Commercial propertyListed 11Not listed
Contract frustrationListed 11Not listed
CrimeListed 11Not listed
Cyber liabilityListed 11Listed 31
Digital assetsListed 11Not listed
Directors and officersListed 11Not listed
Employee health and benefitsListed 11Not listed
Employment practices liabilityListed 11Not listed
Fidelity bondsListed 11Not listed
Fiduciary liabilityListed 11Not listed
General liabilityListed 11Not listed
Generative AI liabilityListed 14Not listed
Hired and non-owned autoListed 11Not listed
Intellectual propertyListed 11Not listed
Key personListed 11Not listed
Last-mile deliveryListed 11Not listed
Media liabilityListed 28Not listed
Product liabilityListed 11Not listed
Professional liability / E&OListed 11Not listed
Representations and warrantiesListed 11Not listed
Technology errors and omissionsNot listedListed 32
Umbrella and excess liabilityListed 11Not listed
Venture capital asset protectionListed 11Not listed
Virtual care and telehealthListed 11Not listed
Workers’ compensationListed 11Not listed

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

Key Differences Between Founder Shield and Resilience

Internal AI Use and Technology Sales Are Different Exposures

Founder Shield markets a standalone generative-AI liability product for US businesses using AI in their operations, with revenue up to $10 billion. Its page excludes companies selling AI products, standard cyberattacks and intentional misuse. 14

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. 32

For a mixed business, ask whether the AI-user product accepts the entity at all, which technology services Resilience would insure and how the proposals address internal AI use. Founder Shield's broad brokerage catalogue may support a wider market search, but the specialized product's restrictions cannot be removed by that broader positioning. 11 14 32

Follow Each Placement Chain to the Insurer

Founder Shield operates within The Baldwin Group. Its terms and license section name different legal entities, leaving the producer for a new engagement unresolved. Resilience identifies Ocrea as its US distributor and Homeland insurer alternatives. Ask which legal producer is engaging you and which insurer will sign the specific contract. 4 2 30

For the AI-user product, Founder Shield names Testudo, whose US disclosure says it places insurance without bearing the risk. Do not treat an underwriting intermediary's name as the final answer to the insurer question. The shared evidence also records different numbers of coverage categories on the distributor and Testudo pages; the actual form must resolve whether regulatory-violation coverage is included. 17 15 14

Program Coordination and Incident Response Can Complement Each Other

Founder Shield describes claims advocacy and adjusting a program as business activities change. Resilience describes incident specialists and security-prioritization services. A broker could have a coordination role alongside a specialist insurer program, but these records do not establish Founder Shield's access to Resilience for this account. Make any combined arrangement explicit. 21 19 34 36

What to Confirm in Quotes

Give each adviser a map of AI purchased, AI developed and contractual promises to customers. Request written eligibility for that mixed activity, the complete AI/technology wording and the insurer or syndicate names. Resolve Founder Shield's engagement-entity question and the California placement route on both sides before relying on a proposal. An insurer's willingness to cover one AI use does not establish coverage for all of the company's technology operations. 2 16 30 32

Service Comparison

Founder Shield vs Resilience: documented services and availability

CriteriaFounder ShieldResilience
Business role

Founder Shield is a commercial insurance broker: it helps businesses choose coverage and arrange policies with insurers. Its terms say it does not insure the risk or decide whether a claim is covered. 1,2

Founder Shield operates within The Baldwin Group, which lists it among its acquired firms. Founder Shield describes itself as the group’s innovation arm. 3,4

The terms name The Baldwin Group Specialty Solutions, LLC as the contracting company, but the License Status section identifies Foundershield LLC as the producer. The reviewed records do not resolve which entity would appear on a new engagement; ask for its legal name and applicable license. 2,5,24

New York’s Department of Financial Services reported a $36,600 fine against Foundershield LLC for late filing of excess-line documents for recording and stamping during January 2019–March 2023. The consent order was approved on June 26, 2025. The notice concerns filing compliance, not a finding about claims payments. 24

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. 29,31,32

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. 30

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. 1,6

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. 32

Access to insurers

Founder Shield advertises access to more than 200 carriers. Its placement FAQ says it selects markets first by their willingness to insure the industry and risk, then considers growth capacity, service and claims handling. The network size does not establish how many insurers will quote your account. 6,10

The placement FAQ says Founder Shield works exclusively with AM Best A-rated carriers. This is the broker’s stated selection standard; the reviewed sources do not independently establish the current rating of every insurer it uses. 10

Founder Shield identifies itself as the distributor of the AI product and names Testudo as its underwriter. Testudo describes Lloyd’s-backed capacity and says its US entity places insurance without bearing the risk. The insurer or syndicates responsible for a particular quote still need to be identified. 14,16,17

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. 30

Availability

Founder Shield’s terms limit services to permitted US jurisdictions and say some offerings are available in only some states. Testudo describes its AI product as excess-and-surplus-lines coverage that is not available in every state. No complete product-by-state availability schedule was established. 2,16

The reviewed sources did not establish a current state-by-state license list for the producer. Confirm the named entity’s license for your placement with the state regulator; the 2025 disciplinary record does not establish current status. 25,24,26

Resilience markets cyber and technology E&O in the United States. The reviewed product and legal pages do not establish the California-specific placement route, insurer selection or admitted versus surplus-lines status for either product. 31,32,30

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

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. 21,2

Resilience describes a 24/7 in-house claims team, a dedicated claims manager through settlement, and outside specialists in privacy law, forensics, recovery and crisis communications. These are company-reported service arrangements, not independently measured claims quality. 34

Sources

Founder Shield Official Website

  1. Founder Shield. Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
  2. 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. Founder Shield; Opening description and Charting Your path from MVP to IPO. Accessed 2026-09-15.
  4. 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. 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. 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. Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
  8. Create Account. Founder Shield; Public registration screen: Google, Microsoft, email and password options. Accessed 2026-09-15.
  9. 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?. Founder Shield; Jonathan Selby answer, November 25, 2024: appetite, stated rating standard and carrier-selection criteria. Accessed 2026-09-15.
  11. Coverage. Founder Shield; Core Coverage and Specialized Coverage lists. Accessed 2026-09-15.
  12. 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. 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. 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. 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. Testudo; What we do; Coverage you can rely on when it matters. Accessed 2026-09-15.
  17. Licenses and Regulatory Disclosures. 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?. 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?. 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. 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. 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?. Founder Shield; Carl Niedbala answer, November 25, 2024: policy period, quoted charges, installments and premium financing. Accessed 2026-09-15.
  23. 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. 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. 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. 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. 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. Founder Shield; What Is Content Creator Insurance? Media liability coverage for creators. Accessed 2026-09-15.

Resilience Official Website

  1. Home Page. Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
  2. Disclaimer. Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16.
  3. Cyber Insurance. Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16.
  4. Technology E&O. Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16.
  5. Brokers. Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16.
  6. Claims & Incident Response. Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16.
  7. Contact Us. Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16.
  8. Security Investment Prioritization. Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16.
  9. Multi-Entity & Portfolio Risk. Resilience; Resilience Arc introduction. Accessed 2026-09-16.
  10. Terms and Conditions. Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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