Coterie Insurance vs Founder Shield: How Do They Compare for Business Insurance?

Coterie offers small-business property and liability through agents; Founder Shield brokers specialized coverage for venture-backed and growing companies.

An Overview of Coterie Insurance and Founder Shield

A company opening offices after a venture round may have investor and product risks beyond routine property and liability. Choose Coterie if you need a BOP or general-liability policy; choose Founder Shield if investors, product launches or acquisitions add specialized risks. ² ²⁴ ³⁴

What Stands Out About Coterie Insurance and Founder Shield?

Coterie Insurance at a Glance

Agents can prepare and bind eligible small-business quotes from prefilled information in one dashboard. ^5,^6,²Company-reportedCompany-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.
Manage documents, certificates, policy changes and claim reports online, with agent help for coverage questions. ^10,⁸Company-reportedPublic policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.

Founder Shield at a Glance

Startup programs serve companies from early venture stages through IPO. ^24,²⁹Company-reportedStated customer focus, not an audited customer census or an eligibility guarantee.
Review coverage as your products, business model or locations change. ⁴²Company-reportedChanges FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change.

Coterie Insurance vs Founder Shield Coverage Lines Compared

Coverage	Coterie Insurance	Founder Shield
Business owner’s policy	Listed ^2,¹³Coterie offers a business owner’s policy through its agent channel.	Not listed
Cargo and transit	Not listed	Listed ³⁴Founder Shield lists transit and transportation coverage for goods in transit or stored offsite.
Commercial property	Not listed	Listed ³⁴Founder Shield lists property insurance among its core offerings.
Contract frustration	Not listed	Listed ³⁴Founder Shield lists Key Person & Contract Frustration among its specialized offerings.
Crime	Not listed	Listed ³⁴Founder Shield lists crime insurance among its core offerings.
Cyber liability	Not listed	Listed ³⁴Founder Shield lists cyber liability among its core offerings.
Digital assets	Not listed	Listed ³⁴Founder Shield lists digital-asset insurance among its specialized offerings.
Directors and officers	Not listed	Listed ³⁴Founder Shield lists directors and officers insurance among its core offerings.
Employee health and benefits	Not listed	Listed ³⁴Founder Shield lists Employee Health & Benefits among its services.
Employment practices liability	Not listed	Listed ³⁴Founder Shield lists employment practices liability among its core coverage services.
Fidelity bonds	Not listed	Listed ³⁴Founder Shield lists ERISA fidelity bonds among its specialized coverages.
Fiduciary liability	Not listed	Listed ³⁴Founder Shield lists fiduciary liability among its core coverages.
General liability	Listed ^2,³Coterie offers general liability policies for small businesses through its partner distribution.	Listed ³⁴Founder Shield lists general liability among its core coverage offerings.
Generative AI liability	Not listed	Listed ³⁷Founder Shield markets generative-AI liability for US businesses with revenue up to $10 billion that use generative AI but do not sell it as a standalone product.
Hired and non-owned auto	Not listed	Listed ³⁴Founder Shield lists hired and non-owned auto among its specialized coverage offerings.
Intellectual property	Not listed	Listed ³⁴Founder Shield arranges intellectual property insurance.
Key person	Not listed	Listed ³⁴Founder Shield lists key person insurance among its specialized coverages.
Last-mile delivery	Not listed	Listed ³⁴Founder Shield lists last-mile delivery among its specialized coverage offerings.
Media liability	Not listed	Listed ⁵¹Founder Shield arranges media liability insurance for content creators.
Product liability	Not listed	Listed ³⁴Founder Shield lists product liability insurance.
Professional errors and omissions (E&O)	Listed ^2,¹⁴Coterie lists miscellaneous professional liability for eligible small businesses in participating states.	Listed ³⁴Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Representations and warranties	Not listed	Listed ³⁴Founder Shield lists representations and warranties insurance for mergers and acquisitions.
Umbrella and excess liability	Not listed	Listed ³⁴Founder Shield lists umbrella insurance.
Venture capital asset protection	Not listed	Listed ³⁴Founder Shield lists venture capital asset protection for management and investment-advisory liability.
Virtual care and telehealth	Not listed	Listed ³⁴Founder Shield lists virtual care and telehealth insurance for tech-enabled healthcare companies.
Workers’ compensation	Not listed	Listed ³⁴Founder Shield lists workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Coterie Insurance and Founder Shield Coverage, Line by Line

Open what Coterie Insurance and Founder Shield each document for one coverage line.

General Liability Insurance
- Coterie Insurance General Liability Insurance
- Founder Shield General Liability Insurance
Professional Liability (E&O) Insurance
- Coterie Insurance Professional Liability (E&O) Insurance
- Founder Shield Professional Liability (E&O) Insurance

Coterie Insurance and Founder Shield Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Coterie Insurance Reliability Scores

Managing general agent

Carrier & MGA

5.1/ 10

Provider assessment

Founder Shield Reliability Scores

Broker

5.3/ 10

Provider assessment

Coterie Insurance and Founder Shield Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Coterie Insurance Review Score

7.0/ 10

Review Score

2 rated sources

Coterie’s BBB complaint record is a concern; its single Trustpilot review is too small a sample to offset that. Ask how complaints and service problems are resolved.

Read Coterie Insurance reviews

Founder Shield Review Score

7.4/ 10

Review Score

1 rated source

Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.

Read Founder Shield reviews

Key Differences Between Coterie Insurance and Founder Shield

Premises Coverage, Product Liability and Appetite

A small consumer-products company preparing to raise investment and open a second office still needs property and general liability coverage relevant to a Coterie business owner’s policy (BOP). Founder Shield’s catalogue adds separate questions about product liability, directors and officers (D&O) and intellectual property. A single expanding business can need both the basic package and specialist placements; the brokerage relationship and the Coterie program are different levels of that decision. ⁴ ³⁴

Coterie publishes a defined BOP appetite covering revenue, employees and insured property. Founder Shield describes selecting insurers partly for their ability to accommodate growth. Use the expected operating plan when asking for proposals: which products fit now, what changes require re-underwriting, and which coverage would need moving if the business outgrows an insurer’s appetite? The brokerage’s stated selection approach is useful context, not a guarantee that the same insurer will accept every later expansion. ¹³ ³³

Additional Locations and Contract Certificates

Businesses with multiple locations should ask about separate policies because Coterie’s FAQ says each location needs its own policy. ¹⁰Company-reportedGeneral policyholder FAQ as of September 15, 2026; confirm how mailing, temporary, project and additional locations are treated in the proposed form.

For that second office, ask the Coterie agent to identify the additional policy, its effective date and any separate fees. Founder Shield asks clients to report new offices and territories so its team can evaluate coverage changes. Its general service promise does not establish that a particular insurer will place both locations on one policy; ask for the proposed location schedule. The practical difference is the work required to keep every address insured and every renewal visible. ¹⁰ ⁸ ⁴²

The same discipline applies to a new customer contract. Coterie documents certificate tools and policy-change requests. Founder Shield’s certificate FAQ asks for the counterparty’s details, required wording and insurance clause so the team can evaluate endorsement needs. A certificate records insurance information; the endorsement changes the policy. Send the clause early enough for the agent to resolve any actual coverage change. ¹⁰ ⁴¹

Directors and Officers Coverage and Package Choices

Founder Shield’s D&O guide identifies an especially relevant issue for a funding round: exclusions for claims by major shareholders. An investor’s requested D&O limit is therefore only the start of the discussion. Ask how the incoming investor and board structure interact with the offered exclusion and insured-person definitions. Coterie’s employment practices endorsement addresses another management-related exposure; it should not be treated as a substitute for D&O. ³⁶ ¹²

Founder Shield also offers individual coverages instead of requiring every startup to buy the same bundle. A proposal can distinguish policies already adequate for the business from new placements, provided the advisor confirms how they work together. Coterie’s existing agent may also arrange coverage outside the Coterie program; the documented product catalogue does not establish the full capabilities of that agent. ³⁵ ⁶

Buying Workflows, Issuing Insurers and Renewals

Coterie’s agent checks business details and selects coverage in its dashboard. Founder Shield describes approving a proposal, selecting payment and an intended start date, followed by the team’s handling of signatures and insurer paperwork. For the expanding company, name one person responsible for checking that each location and new coverage has actually taken effect. Application completion or a requested start date is not insurer acceptance. ⁵ ⁸ ³²

Coterie carrier partners issue policies; Founder Shield’s terms say it arranges insurance without bearing the risk or making coverage determinations. Founder Shield’s Baldwin Group affiliation does not identify the insurer on a placement, just as Coterie’s investors do not identify its policy issuer. Keep the producer and insurer named separately in the proposal. ⁸ ¹⁹ ²⁵ ²⁷

At renewal, Coterie permits automatic renewal where applicable; Founder Shield’s guide recommends beginning preparation ahead of expiration. A growing company should use either process to update locations, operations and investor requirements. Neither automatic payment nor an advisory review establishes that every changed exposure has been accepted. ⁸ ⁴³

Fees, Cancellation Costs and Claims Contacts

Compare the cost of the full proposed program, including policies that remain in place. Coterie discloses policy and payment charges and a possible risk-program fee; Founder Shield discloses commissions, fees or interest and warns that some insurers keep a minimum earned premium on early cancellation. Staggering new policies or replacing one midyear can therefore require a cancellation-cost calculation as well as an annual premium comparison. ⁸ ²⁵ ⁴⁵

Founder Shield describes claims advocacy and progress tracking; Coterie provides claims intake and specialty response routes. These services can help coordinate a report, but neither description demonstrates better claims outcomes. Keep insurer-specific notice instructions with each policy so an incident at the new office reaches the correct party. ⁴⁴ ¹¹

What Should You Confirm in Coterie Insurance and Founder Shield Quotes?

The operating plan and location schedule: Which addresses and activities require separate policies, and when does each start? ¹⁰ ⁴²
Investor and customer insurance clauses: Does proposed D&O address shareholder claims, and which contract requests require endorsements rather than certificates? ³⁶ ⁴¹
An insurer-by-policy proposal: Which markets were approached, why were they selected, and what growth would trigger another review? ³³ ¹³
A transition budget: Identify extra policy fees, cancellation amounts and the renewal action for every retained or new placement. ⁸ ²⁵

Coterie Insurance vs Founder Shield Services Compared

What each provider documents about the services you may need

Criteria	Coterie Insurance	Founder Shield
Customer focus	New, home-based and other small or micro businesses can request Coterie quotes if their industry, location and risk meet underwriting appetite. ^1,^5,⁶Company-reportedCompany-described customer focus; no claim that every small business is eligible.	Venture-backed and high-growth businesses from early rounds through IPO can use Founder Shield’s industry practices in technology, life sciences, finance, retail and transportation. ^24,²⁹Company-reportedStated customer focus, not an audited customer census or an eligibility guarantee.
Coverage lines	Small businesses can compare a BOP, standalone general liability or miscellaneous professional liability; a BOP combines liability and property while the other lines are separate. ^2,^4,^3,¹⁴Company-reportedCurrent direct product pages and December 2025 product guides reviewed; optional endorsements are recorded separately rather than treated as standalone lines. Coterie’s BOP guide lists up to $10 million revenue and 50 employees, reduced to $5 million and 15 for contractors, plus property limits up to $1 million for buildings and $500,000 for business property. State, industry and quote affect availability and limits. ^13,⁸Company-reportedDecember 2025 agent brochure; marketing summary, not policy wording or an eligibility guarantee. You can add some optional protections, including cyber, workplace violence, EPL, restaurant and liquor, contractors equipment, hired/non-owned auto liability, equipment breakdown and drone liability; these are endorsements, not separate standalone policies. ^12,^13,^15,¹⁶Company-reportedApril 2026 endorsement directory and December 2025 BOP guide; selection depends on base product, business class, state and underwriting. Service firms considering Coterie MPL should check the claims-made reporting window: the guide includes a 60-day extended reporting period and offers longer periods for purchase, while retroactive coverage and limits depend on terms and eligibility. ^14,⁸Company-reportedDecember 2025 MPL guide; an actual proposal and policy control coverage. If you need workers’ compensation or commercial auto, look elsewhere: Coterie says it does not write those policies. Its hired/non-owned auto endorsement is liability protection, not physical-damage auto insurance. ^11,¹³Company-reportedCurrent claims FAQ and BOP guide; does not address products another agent or partner may place outside Coterie.	You can ask Founder Shield about general liability, property, workers’ compensation, cyber, E&O, D&O, EPL, fiduciary, crime and specialty options such as IP, product, delivery, acquisition and venture-capital coverage. ³⁴Company-reportedPublished offer categories only. Coverage availability, limits and wording are carrier- and risk-specific; no blanket package entitlement. Founder Shield offers individual policies or startup packages and says it can adjust limits, deductibles and endorsements to fit a business’s needs. ³⁵Company-reportedEndorsements are changes to policy wording. Customization is company-described, not automatic insurer acceptance of every requested term. When comparing D&O, check whether your quote protects individual directors, reimburses the company when it indemnifies them and covers the company itself; Founder Shield flags major-shareholder claims as an exclusion, and the form controls. ³⁶Company-reportedD&O educational product page, not a proprietary Founder Shield specimen. No universal Side C wording, exclusion threshold, retention or form number established. US businesses using AI internally may fit Founder Shield’s standalone generative-AI liability product up to $10 billion revenue; AI sellers, standard cyberattacks and intentional misuse are excluded. ³⁷Company-reportedCompany product summary; a business that both sells and uses AI needs account-specific eligibility review. Do not treat broad AI-industry marketing as acceptance into this product. For AI liability, check when claims must be made and reported and whether defense costs reduce your limit; Founder Shield lists potential AI-output, IP, defamation, data-disclosure, injury and property-damage exposures. ³⁷Company-reportedProduct description only. No specimen policy inspected; exact reporting windows, definitions, exclusions, sublimits and retention remain quote-specific. Confirm whether regulatory violations are covered: Founder Shield lists five AI coverage categories, while Testudo’s current broker page lists six and adds that category; the proposed form controls. ^37,³⁸Conflicting sourcesUnresolved difference between linked distributor and underwriting-provider summaries as accessed September 15, 2026. Could reflect different versions or scope; no inference that every Founder Shield quote includes or excludes the sixth agreement.
Application process	A licensed agent starts a quote in Coterie's dashboard with the client's business name and address, selects the principal industry, confirms or edits prefilled details, customizes coverage and pays to bind an eligible policy. Business owners who do not already have an agent can use Coterie's agent finder. ^5,^6,²Company-reportedCompany-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration. Eligible standard risks may get a quote in under two minutes, according to Coterie, but a quote is not coverage until eligibility is confirmed, underwriting approves it and the policy is issued. ^6,⁸Company-reportedMarketing speed statement and controlling website terms; no independent timing test was performed.	You can start by creating an account through Founder Shield’s quote portal using Google, Microsoft or email sign-in. ^30,³¹VerifiedPublic interface directly observed in Chrome on September 15, 2026. No sign-in, identity-provider flow, registration submission, quote or authenticated workflow tested. Founder Shield says its application takes under 15 minutes, but that does not guarantee how quickly insurers will quote or when coverage can start. ²⁹Company-reportedStartup page marketing claim. No timed application or binding exercise performed. To bind coverage, Founder Shield says you approve the proposal, choose payment and a start date, then sign remaining documents while its team handles insurer paperwork. ³²Company-reportedDocumented general process; the actual carrier’s outstanding requirements and confirmation determine the transaction. No completed purchase observed.
Access to insurers	Check the insurer named on every Coterie policy: carrier partners issue coverage, with a separate Spinnaker Specialty route for surplus policies beginning CSE and Spinnaker Insurance Company named for eligible coastal Texas BOPs. ^8,^11,¹⁷Company-reportedPublic carrier disclosures reviewed for the general platform, surplus-lines claim routing and the September 2026 coastal Texas BOP program; not an exhaustive carrier map.	Founder Shield advertises access to 200+ carriers, but that does not promise your account will receive 200 quotes; its broker says it first looks for markets willing to insure your industry and risk. ^29,³³Company-reportedCompany network and selection claims. No complete roster, direct-appointment census, market submission log or competitive quote exercise obtained. Founder Shield says it works exclusively with AM Best A-rated carriers; verify the current rating of the insurer named on your specific policy. ³³Company-reportedNo financial-strength rating assigned to the broker, Testudo or an unnamed insurer. Ask for the exact issuing entity and verify the rating attached to that entity. Ask for the insurer or Lloyd’s syndicates on your quote: Founder Shield distributes the AI product and names Testudo as underwriter, while Testudo says its US entity places insurance without taking the risk. ^37,^39,⁴⁰Company-reportedProduct-specific company disclosures. Do not equate an underwriting intermediary with a risk-bearing insurer or assign this placement chain to other Founder Shield products. Regulatory approvals and ratings are not independently established.
Servicing and renewals	Policyholders can manage documents, certificates, policy changes and claim reports online; use your agent or broker for coverage questions. Coterie also provides sample forms to help you review proposed terms. ^10,⁸Company-reportedPublic policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship. Businesses with multiple locations should ask about separate policies because Coterie’s FAQ says each location needs its own policy. ¹⁰Company-reportedGeneral policyholder FAQ as of September 15, 2026; confirm how mailing, temporary, project and additional locations are treated in the proposed form. Set renewal preferences before the next term: most Coterie policies are 12 months and may renew automatically, with charges using the saved payment method unless the policy says otherwise. ⁸Company-reportedWebsite terms effective December 16, 2025; the proposed policy, renewal notice and applicable state law control.	For a contract certificate, email Founder Shield the other party’s legal name and address, required wording and the contract insurance clause so the team can assess endorsement needs. ⁴¹Company-reportedCompany-described COI process. No certificate requested and no turnaround independently measured. A request is not confirmation that all requested wording is covered. Tell Founder Shield when products, business model, offices or territories change so it can review whether your coverage needs adjustment. ⁴²Company-reportedChanges FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change. Start preparing for renewal 60–90 days before expiration with updated business information and claims history; Founder Shield calls this planning guidance, not a service deadline. ^24,⁴³Company-reportedHomepage platform description and January 2026 renewal guidance. No authenticated renewal tested, automatic renewal guarantee or fixed service-level agreement found. Check minimum-earned-premium terms before binding because some insurers keep part of the premium if you cancel early; Founder Shield directs cancellation requests to support. ²⁵Company-reportedGeneral cancellation description; refund amounts, financed balances and effective dates depend on the contract.
Fees and compensation	Include Coterie’s fees in your total-cost comparison: terms list a variable one-time new/renewal policy fee, $7 installment fee, up to $10 late fee and up to $35 insufficient-funds fee; amounts vary by state and line and some are nonrefundable. ⁸Company-reportedWebsite fee terms effective December 16, 2025; not every fee applies to every policy or state. Ask whether a Coterie policy includes a Manage My Risk Program fee; it is earned when paid and nonrefundable after midterm cancellation, but its amount is not published. ⁸Company-reportedManage My Risk Program terms effective December 16, 2025; applicability and the quoted fee require account-specific disclosure. Ask whether your agent receives commission or other compensation because Coterie says it may pay commissions through a third-party processor; public sources do not state the rate for your policy. ^9,⁸Company-reportedPublic privacy and platform terms; no producer agreement or account-specific compensation disclosure was reviewed.	Compare the full annual cost and payment schedule: Founder Shield says quotes generally cover one year and may offer full pay, carrier installments or outside financing. ⁴⁵Company-reportedGeneral billing description, not a quoted premium, guaranteed financing eligibility or a statement that borrowing costs are included in the insurance price. Ask Founder Shield for the nature and amount of commissions, fees or interest on your account; it says charges are disclosed in advance. ²⁵Company-reportedFees and Charges section. No account-specific compensation amount or universally applicable fee schedule obtained. Check whether group-level fees, commissions or referral payments apply to your placement; The Baldwin Group’s disclosure describes possible volume/profitability and affiliate compensation but does not say each applies to Founder Shield. ⁴⁶Company-reportedGroup-wide disclosure, not account-specific remuneration. Client fees can be in lieu of or additional to retail commissions. No inferred misconduct or automatic financial conflict outcome.

Sources

51 documents, numbered as cited. Open the sources

Sources for Coterie Insurance vs Founder Shield

Coterie Insurance Official Website

1
About Coterie Insurance. Coterie Insurance; Agent and broker focus; company history; investors; agency name, NPN and Wisconsin license in footer. Accessed 2026-09-15.
2
Insurance for Small Businesses. Coterie Insurance; General Liability, Business Owners Policies and Professional Liability sections: About business owners policies (BOP), About general liability (GL) policies (offered through partners), About professional liability (MPL) policies; Find an Agent; agent distribution; footer agency disclosure. Accessed 2026-09-16.
3
General Liability Insurance for Small Business. Coterie Insurance; General liability product page: How General Liability Insurance Works; Common Questions, including standalone or BOP; Find an Agent. Accessed 2026-09-16.
4
Business Owner's Policy for Small Businesses. Coterie Insurance; Package components and exclusions from the typical BOP description. Accessed 2026-09-15.
5
Agents and Business Insurance Brokers. Coterie Insurance; How It Works steps; nationwide product statement; dashboard service statement. Accessed 2026-09-15.
6
Instant Bindable Small Business Insurance Quotes for Agents. Coterie Insurance; Built for Agents and Brokers; online workflow; core lines; endorsements; availability sections. Accessed 2026-09-15.
7
Quick Start: Quote and Bind Small Business Insurance With Coterie. Coterie Insurance; Five-Step Quote-to-Bind Workflow and Does Coterie Work in All 50 States sections. Accessed 2026-09-15.
8
Terms and Conditions. Coterie Insurance; Effective December 16, 2025; Sections 1, 5, 6 and 10. Accessed 2026-09-15.
9
Privacy Policy. Coterie Insurance; Introduction; Section 6, Payment and Commissions Processing; carrier privacy links. Accessed 2026-09-15.
10
Policyholder Resources. Coterie Insurance; Account, policy-change, certificate, claims, multiple-location and sample-policy sections. Accessed 2026-09-15.
11
Claims. Coterie Insurance; Reporting routes; response timing; settlement timing; excluded workers' compensation and auto claims; cyber and workplace-violence FAQs. Accessed 2026-09-15.
12
Coterie Insurance Endorsements. Coterie Insurance; Cyber, Workplace Violence, Employment Practices, Restaurant, Liquor Liability and Contractors Equipment list; product caveat. Accessed 2026-09-15.
13
BOP Product Overview. Coterie Insurance; Pages 1–5: Business Owners Policy Product Highlights for Agents and Brokers; eligibility criteria, base property and liability coverages, additional extensions and mandatory forms. Accessed 2026-09-16.
14
Miscellaneous Professional Liability Policy Overview and Product Highlights. Coterie Insurance; Pages 1–7: purpose, eligible professions and operations, unavailable jurisdictions and state availability, limits, claims-made terms and exclusions. Accessed 2026-09-16.
15
Cyber Insurance Overview. Coterie Insurance; Pages 1-2: coverage, criteria, limits and Cyberscout services. Accessed 2026-09-15.
16
Workplace Violence Insurance Overview. Coterie Insurance; Pages 1-2: endorsement status, criteria, services and limits. Accessed 2026-09-15.
17
Coterie's Coastal Business Insurance Appetite. Coterie Insurance; September 11, 2026 state-by-state coastal BOP eligibility, limits, exclusions and Texas carrier statement. Accessed 2026-09-15.
18
Current Moratoriums. Coterie Insurance; Active BOP catastrophe moratoriums, updated September 2-4, 2026; effect on new business and changes. Accessed 2026-09-15.
19
Allianz X Announces Strategic Investment in Coterie Insurance. Coterie Insurance and Allianz X; September 11, 2025 announcement; MGA role; Series C investment and reinsurance relationship. Accessed 2026-09-15.
20
Allianz X Portfolio and News. Allianz X; Current Direct Investments and September 11, 2025 Coterie strategic-investment entry. Accessed 2026-09-15.
21
Coterie BOP and GL Products Available Through Progressive. Coterie Insurance; November 20, 2025 agency relationship and Progressive BusinessQuote Explorer distribution scope. Accessed 2026-09-15.
22
Coterie Insurance Agency, LLC Entity Record. Florida Department of State, Division of Corporations; Active foreign LLC record; January 6, 2026 annual report; Coterie Applications, Inc. listed as member. Accessed 2026-09-15.
23
Licensed Property and Casualty Agencies. Massachusetts Division of Insurance; Coterie Insurance Agency, LLC; license 19000811; approval period December 28, 2025 through December 28, 2026. Accessed 2026-09-15.

Founder Shield Official Website

24
Founder Shield. Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
25
Terms of Service. Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
26
About Us. Founder Shield; Opening description and Charting Your path from MVP to IPO. Accessed 2026-09-15.
27
Partnerships. The Baldwin Group; Brand-change introduction and 2020–2024 acquisitions list, Founder Shield entry. Accessed 2026-09-15.
28
List of Subsidiaries as of February 26, 2026. The Baldwin Insurance Group, Inc. (SEC filing); Exhibit 21.1, list as of February 26, 2026: The Baldwin Group Specialty Solutions, LLC, Florida. Accessed 2026-09-15.
29
Startup Insurance. Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
30
Quote Portal. Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
31
Create Account. Founder Shield; Public registration screen: Google, Microsoft, email and password options. Accessed 2026-09-15.
32
How Do I Bind Coverage? Founder Shield; Jonathan Selby answer, November 25, 2024: proposal approval, payment, effective date and electronic signatures. Accessed 2026-09-15.
33
How Do You Decide Which Carriers to Approach? Founder Shield; Jonathan Selby answer, November 25, 2024: appetite, stated rating standard and carrier-selection criteria. Accessed 2026-09-15.
34
Coverage. Founder Shield; Core Coverage: Crime Insurance, Cyber Liability, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Property Insurance; Specialized Coverage: Digital Asset Insurance, ERISA Fidelity Bond, Hired & Non-Owned Auto, Intellectual Property, Key Person & Contract Frustration, Last-Mile Delivery Insurance, Transit & Transportation; product cards: Errors & Omissions, Product Liability, Representations and Warranties, Umbrella Insurance, VCAP, Virtual Care & Telehealth Insurance, Workers Compensation; Health & Benefits: Employee Health & Benefits; Get a Quote and Learn More links. Accessed 2026-09-16.
35
How Do We Purchase “A La Carte” Commercial Insurance? Founder Shield; Jonathan Selby answer, November 25, 2024: individual coverages, limits, deductibles and endorsements. Accessed 2026-09-15.
36
Directors & Officers Insurance. Founder Shield; What Does D&O Insurance Cover?; Major Shareholder Exclusion; D&O Insurance Cost and Enhancements. Accessed 2026-09-15.
37
Generative AI Liability Insurance. Founder Shield; Who Needs Generative AI Liability Insurance Coverage?; five coverage categories; Generative AI Liability Policy; What Does A Generative AI Liability Policy Not Cover?; Speak with a Generative AI Liability Insurance Broker; Get a Quote. Accessed 2026-09-16.
38
AI Liability Insurance for Brokers. Testudo; What does the policy cover? (six insuring agreements); Limits & pricing; target customers; application materials via Broker Platform. Accessed 2026-09-15.
39
About Testudo. Testudo; What we do; Coverage you can rely on when it matters. Accessed 2026-09-15.
40
Licenses and Regulatory Disclosures. Testudo; United States entity and non-risk-bearing role; United Kingdom entity disclosure. Accessed 2026-09-15.
41
How Do I Get a Certificates of Insurance? Founder Shield; Luke Kaltreider answer, November 25, 2024: email requests, contract wording and endorsement needs. Accessed 2026-09-15.
42
What If Our Company Grows A Lot or Things Change During the Year? Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
43
The Ultimate Business Insurance Renewal Checklist for Startups. Founder Shield; January 12, 2026; Know Your Part in the Renewal Process; The Early Start Advantage (60–90 days). Accessed 2026-09-15.
44
Claims. Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
45
What Am I Actually Getting For the Price of Business Insurance? Founder Shield; Carl Niedbala answer, November 25, 2024: policy period, quoted charges, installments and premium financing. Accessed 2026-09-15.
46
Transparency & Disclosure. The Baldwin Group; Effective January 1, 2026; How The Baldwin Group is Compensated, including client fees, contingent commissions, affiliate services and referral fees. Accessed 2026-09-15.
47
Disciplinary Actions Issued August 21, 2025. New York State Department of Financial Services; Page 6 of 12, Region: New York, Foundershield LLC; $36,600 fine; consent order approved June 26, 2025. Accessed 2026-09-15.
48
Insurance License Search. New York State Department of Financial Services; Producer-search entry point. Accessed 2026-09-15.
49
License. The Baldwin Group; California entity/license table; neither Foundershield LLC nor The Baldwin Group Specialty Solutions, LLC is listed. Accessed 2026-09-15.
50
Surplus Lines. National Association of Insurance Commissioners; Background, Issue; updated October 27, 2025: nonadmitted specialized insurers cover risks unavailable in the admitted market. Accessed 2026-09-15.
51
Content Creator Insurance. Founder Shield; Content Creator Insurance product introduction; What Is Content Creator Insurance? FAQ: media liability coverage for creators. Accessed 2026-09-16.

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Founder Shield is a startup-focused broker with a distinct generative-AI product route; AIG publishes a broad commercial insurer portfolio.
Alliance Risk vs Coterie Insurance
Alliance Risk brokers a broad range of commercial coverage; Coterie's core small-business lines include general liability, BOP and professional liability; technology E&O and management coverage are separate needs.

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