---
title: "Founder Shield vs TechInsurance Professional Liability (E&O) Insurance"
description: "TechInsurance publishes a median E&O premium from its own book of business; Founder Shield's page names no cost figure at all."
canonical: "https://spot.insure/compare/foundershield-vs-techinsurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

TechInsurance publishes a median E&O premium from its own book of business; Founder Shield's page names no cost figure at all.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and TechInsurance for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

TechInsurance says its E&O policyholders pay a median of $88 a month based on its own customer data, while Founder Shield's E&O page publishes no cost figure and instead names a carrier-rating standard for its placements. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [1](https://foundershield.com/ "Founder Shield") [2](https://apx.foundershield.com/ "Quote Portal") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [5](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [8](https://www.techinsurance.com/about-us "About TechInsurance") [9](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Published Cost

TechInsurance discloses a specific figure drawn from its own book of business:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

Founder Shield's E&O page does not publish a comparable cost figure; it instead names a carrier-selection standard, placing policies only with carriers rated A- or better by AM Best chosen for the client's industry. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

### Policy Trigger

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") Founder Shield's E&O page does not state whether the policies it places are written claims-made or occurrence. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

### Who Each Page Names as a Fit

TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") Founder Shield instead names venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Confirm whether TechInsurance's $88-a-month median applies to a business like yours, since it depends on location, risk level, limits, deductible and claims history. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Founder Shield's rating standard is A- or better by AM Best; ask it to name the actual carrier that would issue your policy. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask TechInsurance which insurer issues the policy, since the product page does not name one. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Ask Founder Shield whether the policy it places for you is claims-made or occurrence, and what retroactive date would apply. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

## Offering Details

| Criteria | Founder Shield Errors & Omissions Insurance | TechInsurance Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [7](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. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) |
| Issuing Insurer | 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..) | The reviewed page does not name the issuing insurer for an E&O policy. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Not publicly disclosed; scope: Errors and omissions product page as read on 2026-09-23..) |
| 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. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Who should get errors and omissions insurance coverage? section..) |
| 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. [6](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..) | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)<br><br>TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section..) |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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. [7](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..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. [10](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, How does E&O insurance coverage work? section..) |

## Full Comparison

- [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-vs-techinsurance): 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 E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [Founder Shield vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/commercial-property)
- [Founder Shield vs TechInsurance Cyber Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/cyber)
- [Founder Shield vs TechInsurance D&O Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/directors-officers)
- [Founder Shield vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/employment-practices)
- [Founder Shield vs TechInsurance Fidelity Bonds](https://spot.insure/compare/foundershield-vs-techinsurance/fidelity-bonds)
- [Founder Shield vs TechInsurance General Liability Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/general-liability)
- [Founder Shield vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/umbrella-excess)
- [Founder Shield vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/professional-errors-omissions)
- [Alliance Risk vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/professional-errors-omissions)
- [At-Bay vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-foundershield/professional-errors-omissions)
- [At-Bay vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/professional-errors-omissions)
- [Beazley vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-foundershield/professional-errors-omissions)
- [Beazley vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-techinsurance/professional-errors-omissions)

## Sources

### Founder Shield

1. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
2. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
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.
4. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/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.
5. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
6. [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.
7. [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.

### TechInsurance

8. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
9. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
10. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foundershield-vs-techinsurance/professional-errors-omissions.md)
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