Founder Shield vs Travelers Crime Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Crime Insurance with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ¹¹Company-reported. Product page "What is fidelity and crime coverage?" section.

Founder Shield says it places policies, including Founder Shield Crime 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.

The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ¹¹Company-reported. Product page video legal footer.

Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of their exposure to internal or external theft. ⁶Company-reported. Crime Insurance product page.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ¹¹Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

Founder Shield lists employee dishonesty (theft or embezzlement by an identified employee), forgery or alteration of financial instruments, computer fraud, and funds-transfer fraud from social engineering as the branches of crime coverage it places. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ¹¹Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.

Not described in the reviewed sources.

The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. ¹¹Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

Not described in the reviewed sources.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ¹¹Company-reported. Product page Resources section.

You request Founder Shield Crime 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. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

Fidelity and crime coverage is bought through a Travelers independent agent. ¹¹Company-reported. Product page "Find an insurance agent" call to action.