What Are the Key Differences Between Founder Shield and Relm Insurance Media Liability Insurance?
Retail Creator Placement Versus Professional-Lines Media E&O
Founder Shield places Content Creator Insurance as a retail brokerage product for individual creators and creator agencies. Relm lists Media Errors and Omissions as one of its named professional-lines products, distinct from its general E&O, and sells it through insurance brokers rather than a direct consumer quote. Choose Founder Shield if you are an individual creator; choose Relm if your business needs a broker to address those professional claims. [2] [3] [7]
Audience and Named Insured
Founder Shield’s audience is people posting on Instagram, YouTube, Twitch and TikTok, and it says the named insured can be the creator personally without forming an LLC first. Relm frames the line around clients in new and disruptive sectors under high media scrutiny. Relm’s reviewed page does not say an unincorporated individual can be the named insured. [3] [7]
Claim Heads Each Names
Founder Shield lists defamation, personal and advertising injury, FTC investigation costs tied to sponsored-content rules, and contractual liability from user-generated brand promotions. Relm lists intellectual property and trademark infringement, defamation, invasion of privacy, breach of confidentiality and breach of professional duty. Confidentiality and professional-duty wording is on Relm’s list; FTC sponsored-content defense is on Founder Shield’s. [3] [7]
Who Issues the Policy
Founder Shield says it places this line only with carriers rated A- or better by AM Best, chosen for the client’s industry. Relm’s reviewed professional-lines page does not name an issuing insurer for media E&O placements. [4] [7]
What Should You Confirm in Founder Shield and Relm Insurance Media Liability Insurance Quotes?
- Ask Founder Shield whether the named insured is you or an entity, and whether FTC sponsored-content defense is on the quote. [3]
- Ask Relm’s producing broker whether confidentiality and professional-duty claims are insured on the specimen. [7]
- Confirm the issuing carrier on both quotes. [4] [7]
- Ask Founder Shield whether the social-channel hack extension is attached if account lockout is a live risk. [3]