Founder Shield vs Resilience: How Do They Compare for Cyber Insurance?

Resilience advertises limits up to $20 million with threat monitoring and attack simulations; Founder Shield is a broker placing cyber with A- rated carriers and lists typical exclusions.

Resilience's US disclosure names Homeland Insurance Company of New York or Delaware as underwriters and pairs the policy with Risk Operations Center monitoring and limits up to $20 million. Founder Shield places cyber only with carriers rated A- or better and does not name the issuer. ^5,^4,³

What Are the Key Differences Between Founder Shield and Resilience Cyber Insurance?

Named Homeland Paper Versus an A- Broker Screen

Resilience's US disclosure says cyber products are distributed by Ocrea Risk Services, LLC doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. Founder Shield places Founder Shield Cyber Liability Insurance only with carriers rated A- or better and never names the issuer. You can ask Resilience which Homeland entity would write you. You still have to ask Founder Shield who writes you at all. Choose Resilience if you want named US underwriters, a $20 million posted ceiling and bundled monitoring; choose Founder Shield if you want a brokerage A- screen and will confirm the carrier on the quote. ⁵ ³

Monitoring and eCrime Versus Typical Exclusions

Resilience pairs the policy with Risk Operations Center threat monitoring and AttackIQ breach-and-attack simulations, advertises cyber limits up to $20 million primary or excess, and lists eCrime coverage up to $500,000. Founder Shield lists typical exclusions instead: stolen-IP value, internal upgrades and possible future lost profits. Those are not substitutes. ⁴ ¹

Claims Desk Versus Advisor Placement

Resilience describes a 24/7 in-house claims and incident-response team with one manager from triage through settlement. You request Founder Shield cyber through its website or an advisor; the placement team then approaches carriers. ⁶ ²

What Should You Confirm in Founder Shield and Resilience Cyber Insurance Quotes?

Ask Resilience which Homeland company would issue the policy. ⁵
Ask Founder Shield which A-rated carrier it approached. ³
Ask Resilience whether the $20 million figure is primary or excess and what retention applies. ⁴

Founder Shield vs Resilience Cyber Insurance Compared

Founder Shield vs Resilience: Cyber Insurance: documented features by provider

Criteria	Founder Shield Cyber Liability Insurance	Resilience Cyber Insurance
Who It’s For	Founder Shield calls cyber coverage a priority for healthcare, financial services, SaaS and e-commerce companies, citing their exposure to data breaches and business interruption. ¹Company-reported. Cyber Liability product page.	Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ⁴Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).
Coverage Features	Founder Shield lists loss or damage to electronic data, income loss and extra expense from a system outage, cyber extortion payments, and breach-notification and reputation-management costs as the branches of cyber coverage it places. ¹Company-reported. Product page; the issued policy and declarations control actual coverage. Founder Shield says cyber policies typically exclude loss of value from stolen IP, internal technology system upgrades, and possible future lost profits. ¹Company-reported. Product page; specific exclusions depend on the issued policy.	Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ⁴Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
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 Cyber Liability Insurance with third-party carriers rather than underwriting the policy itself. ²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.	Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ⁴Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.
Issuing Insurer	Founder Shield says it places policies, including Founder Shield Cyber Liability 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.	Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. ⁵Company-reported. US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published.