Embroker vs Foundershield: Commercial Crime Insurance

Embroker sells a standalone crime policy priced on headcount, revenue and financial controls; Founder Shield is a broker that asks carriers rated A- or higher, emphasizing healthcare, finance, nonprofit and retail clients.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-25

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

The product format may decide the quote: Embroker allows smaller businesses to add crime to an existing BOP or D&O policy, while Founder Shield describes a separate crime placement matched to the client’s industry. Compare the exclusion lists before selecting terms. [3] [5]

How Each Sells Crime

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add it as an endorsement to a BOP or D&O policy. Founder Shield is a retail brokerage, described as the innovation arm of The Baldwin Group, and places Founder Shield Crime Insurance with third-party carriers rather than underwriting. [3] [4]

Coverage Lists

Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. Founder Shield lists employee dishonesty by an identified employee, forgery or alteration, computer fraud, and funds-transfer fraud from social engineering. [3] [5]

Embroker also names exclusions for income loss, indirect losses, executive or partner collusion with employees, third-party liabilities from crime, and cybercrime involving stolen patents, trade secrets or customer lists. Founder Shield’s public list is those four branches of coverage. [3] [5]

How You Ask for a Quote

Embroker’s reviewed crime page directs buyers to a general Get a Quote link rather than a dedicated online crime flow. You request Founder Shield Crime Insurance through its website or an insurance advisor, and its placement team then approaches carriers. [3] [4] [6]

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

  • Ask Embroker whether you are quoting standalone crime, a BOP or D&O endorsement, or a fidelity bond. [3]
  • Ask Founder Shield which A-rated carrier is issuing the policy. [6]
  • Compare Embroker’s published exclusions with Founder Shield’s bound form. [3] [5]

Embroker fits smaller businesses that want standalone crime or a BOP/D&O add-on and can accept its listed exclusions; Founder Shield prioritizes healthcare, financial services, nonprofits and manufacturing or retail.

Sources consulted

  1. 01
    Commercial Insurance Guide

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

  2. 02
    Social Engineering Fraud Insurance

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

  3. 03
    Commercial Crime Insurance: Coverage & Policies

    Embroker · Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost? · accessed 2026-09-23

  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

Crime coverage

Embroker

  • role: Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.company-reportedSource ↗
  • coverage: Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. Product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Product-page What's not included section.company-reportedSource ↗
  • coverage: Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. Product-page FAQ comparing fidelity bonds and commercial crime insurance.company-reportedSource ↗
  • limits: Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. Product-page 'What does Commercial Crime insurance cost?' section.company-reportedSource ↗
  • application: The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. Product page as read on 2026-09-23.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 ↗

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