Foundershield vs Marsh Mclennan Agency: Commercial Crime Insurance

Founder Shield has you request through its website or an advisor, then approaches carriers rated A- or higher; Marsh McLennan Agency invites organizations to speak to an adviser in its executive and professional liability practice.

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

Founder Shield lists employee dishonesty, forgery, computer fraud and social-engineering transfer losses; Marsh McLennan Agency names crime placement without specifying those events.

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
    About Us

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

  4. 04
    Crime Insurance

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

  5. 05
    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

  6. 06
    Executive and Professional Liability | MMA

    Marsh McLennan Agency · Policy suite lists commercial crime/fidelity among executive and professional liability offerings. · accessed 2026-09-30

  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

What Are the Key Differences Between Founder Shield and Marsh McLennan Agency Crime Insurance?

What the Offering Describes

Founder Shield places crime with third-party carriers and highlights it for healthcare, financial services, nonprofits, manufacturing and retail. Marsh McLennan Agency names crime and fidelity for organizations seeking executive-risk solutions but does not state a sector list. If your business holds client funds or valuable inventory, ask Marsh McLennan Agency which carriers it would approach and compare the answer with Founder Shield’s listed sectors. [4] [6]

Limits, Eligibility and Handling

Founder Shield lists employee dishonesty, forgery, computer fraud and funds-transfer fraud from social engineering. Marsh McLennan Agency’s overview does not describe covered agreements or exclusions. Founder Shield also says it selects carriers rated A- or better by AM Best, while the actual insurer depends on placement. Ask both for the insurer and exact social-engineering wording. [4] [6]

Starting a Crime Placement

Founder Shield’s placement team approaches carriers after an online request or adviser conversation; it does not bind the policy directly. Marsh McLennan Agency invites buyers to contact an adviser or specialist. Neither route guarantees acceptance, so provide financial controls and payment procedures and request the carrier’s application requirements. [4] [6]

What Should You Confirm in Founder Shield and Marsh McLennan Agency Crime Insurance Quotes?

  • Which carrier will Founder Shield use, and what authentication controls apply to funds-transfer fraud? Ask Marsh McLennan Agency for the full agreement list, carrier rating basis and any owner or executive dishonesty exclusions. [4] [6]

Crime coverage

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 ↗

Marsh McLennan Agency

  • role: Marsh McLennan Agency describes arranging crime for the audience stated on the cited product page. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Organizations seeking executive and professional liability solutions; the page describes a dedicated practice group. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes commercial crime/fidelity as a named executive and professional liability product; the overview does not specify insured events or terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

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