What Are the Key Differences Between Coalition and Founder Shield Crime Insurance?
Broker-Access Suite Versus Industry-Matched Carrier Screen
Coalition offers up to $10 million per line through appointed brokers to eligible private and nonprofit U.S. organizations, with employee, asset and plan-asset ceilings. Founder Shield names healthcare, financial services, nonprofits, manufacturing and retail as priority crime sectors and says it selects A- or better carriers matched to the buyer’s industry. Choose Coalition if your organization fits its private/nonprofit caps and your broker can access the suite; choose Founder Shield if you are in a named sector and want an industry-matched carrier screen. [3] [6] [7]
Carrier You Can Name Before the Quote
Coalition’s disclaimer names Zurich American Insurance Company (NAIC 16535) as admitted Executive Risks paper and says Coalition Insurance Solutions, Inc. also uses unaffiliated non-admitted insurers, so a crime policy’s issuer follows the placement route. Founder Shield says it works only with AM Best A- or better carriers matched to industry appetite and does not name a crime issuer. [4] [7]
Crime Events Each Program Describes
Coalition describes theft, fraud and certain cybercrimes. Founder Shield lists employee dishonesty, forgery or alteration, computer fraud and funds-transfer fraud from social engineering. [3] [6]
Limits and How You Start
Coalition says Executive Risks limits up to $10 million per coverage line, including crime, may be available. Founder Shield’s reviewed crime pages do not publish a limit band; you request placement through its website or an advisor, and its team then approaches carriers. [3] [5] [7]
What Should You Confirm in Coalition and Founder Shield Crime Insurance Quotes?
- Ask Coalition whether crime sits on Zurich American admitted paper or unaffiliated surplus paper. [4]
- Ask Founder Shield which A-rated carrier would issue crime and whether that carrier’s form matches Coalition’s Executive Risks wording. [7]
- Compare Coalition’s published per-line $10 million figure with the limit Founder Shield actually binds. [3] [6]
- Confirm you sit inside Coalition’s private or not-for-profit size caps, or whether Founder Shield is approaching markets for healthcare, financial services, non-profit or manufacturing. [3] [6]