Aon vs Foundershield: Commercial Crime Insurance

Founder Shield places crime with carriers rated A- or higher for healthcare, finance, nonprofit and retail firms; Aon is a global broker serving law, accounting and consulting firms.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

Aon identifies law, accounting and consulting firms as its Professional Services Practice audience. Founder Shield calls crime a priority for healthcare, financial-services, nonprofit and manufacturing or retail organizations exposed to internal or external theft.

What Are the Key Differences Between Aon and Founder Shield Crime Insurance?

Sector focus and crime exposure

Aon names law, accounting and consulting firms as the audience for its professional-services practice. Founder Shield calls out healthcare, financial services, nonprofits, and manufacturing or retail because of internal or external theft exposure. These descriptions give buyers different starting points for a conversation, but neither is a binding eligibility decision; a firm outside the named groups should ask directly rather than infer that it cannot be placed. [1] [5]

Placement and carrier selection

Aon describes global brokerage and advisory support, not policy issuance. Founder Shield says its team requests crime coverage through its website or an advisor, then approaches third-party carriers; it reports choosing carriers rated A- or better by AM Best. That gives Founder Shield buyers a stated placement process, while the specific issuing insurer still depends on the quote. [1] [4]

What Should You Confirm in Aon and Founder Shield Crime Insurance Quotes?

  • Ask Aon how its professional-services audience applies to your operation and ask Founder Shield which theft exposures and policy conditions the carrier will accept. [1] [5]
  • Ask Founder Shield to name the proposed insurer and confirm its rating, crime limit, retention and any social-engineering conditions in the quote. [1] [5]

Crime coverage

Aon

  • role: Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
  • eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
  • coverage: Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
  • services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
  • insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
  • limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

Founder Shield

  • role: 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. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.company-reportedSource ↗
  • eligibility: 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. Crime Insurance product page.company-reportedSource ↗
  • coverage: 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. Product page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • insurer: 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. General carrier-selection FAQ, not specific to this line's placements.company-reportedSource ↗
  • application: 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. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.company-reportedSource ↗Source ↗

Sources consulted

  1. 01
    Professional Services Practice

    Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  3. 03
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  4. 04
    About Us

    Founder Shield · “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission · accessed 2026-09-23

  5. 05
    Crime Insurance

    Founder Shield · What Is Crime Insurance?; Who Needs Crime Insurance Coverage?; What Does Crime Insurance Cover? · accessed 2026-09-23

  6. 06
    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

  7. 07
    Crime Terms and Conditions

    The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16

  8. 08
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  9. 09
    Commercial Crime Coverage Application

    Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

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