Founder Shield vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?

Risklytics lists a typical request of $1 million to $10 million and starts umbrella through an online application; Founder Shield takes requests through its website or an advisor, with carriers rated A- or above.

Risklytics is the pick when an enterprise contract demands more liability than your primary carries, typically $1 million to $10 million, applied for online with no broker fee. Founder Shield's umbrella page speaks to business owners, professionals and wealthy individuals, and it uses only insurers rated A- or better. ^4,^1,³

What Are the Key Differences Between Founder Shield and Risklytics Umbrella and Excess Liability Insurance?

A Contract Requirement or General Extra Protection

Risklytics sees the need arise with an enterprise master services agreement or a site owner asking for $5 million or more. It stacks the layer over general liability, commercial auto and employer's liability, rarely over tech errors and omissions, using specialist insurers that take robotics, autonomy and AI risk. Founder Shield's page mixes business and personal buyers, naming doctors, lawyers, architects and property owners, and doesn't say whether it offers a business-only umbrella. Choose Risklytics if you build robots, autonomous systems or AI and a customer is asking for higher limits; choose Founder Shield if you want a broker to pick a strongly rated insurer for your industry. ⁴ ⁵ ¹ ³

What the Extra Layer Pays For

Founder Shield's umbrella picks up bodily injury, property damage and personal claims such as libel or slander once your primary limits are used up. Risklytics describes its layer by the policies underneath rather than by claim type. ¹ ⁴

What Should You Confirm in Founder Shield and Risklytics Umbrella and Excess Liability Insurance Quotes?

Ask Founder Shield whether the quote is a business umbrella and which policies sit underneath. ¹
If your contract asks for higher tech errors and omissions limits, ask Risklytics whether its layer can cover that. ⁴
Ask both which insurer issues the policy; neither site names one. ³ ⁵
Ask Founder Shield about its fees; Risklytics says it charges none on top of premium. ² ⁶

Founder Shield vs Risklytics Umbrella and Excess Liability Compared

Founder Shield vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Founder Shield Umbrella Insurance	Risklytics Extra Limits (Umbrella) Insurance
Who It’s For	Founder Shield's page describes umbrella coverage broadly for high-net-worth individuals, business owners, property owners, and professionals such as doctors, lawyers or architects; it does not distinguish a business-only umbrella product from personal umbrella coverage. ¹Company-reported. Umbrella Insurance product page; wording mixes personal and commercial umbrella use cases.	Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. ⁴Company-reported. Lines page.
How to Apply	You request Founder Shield Umbrella 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. ^2,³Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.	You start Risklytics Extra Limits (Umbrella) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^6,⁵Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Founder Shield describes umbrella insurance as extra liability coverage above the limits of underlying policies, responding to bodily injury, property damage, and personal-liability claims like libel or slander once primary limits are exhausted. ¹Company-reported. Product page; the issued policy and declarations control actual coverage.	Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.
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 Umbrella 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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Issuing Insurer	Founder Shield says it places policies, including Founder Shield Umbrella 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.	Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^4,⁵Company-reported. Lines page and about page; no specific insurer is published for this line.