Chubb vs Founder Shield: How Do They Compare for Workers’ Compensation Insurance?

Chubb underwrites workers' comp itself, with nurse case managers and a return-to-work program; Founder Shield is a brokerage that places it with outside carriers rated A- or above by a rating agency, highlighting construction, restaurants, healthcare and retail.

Chubb includes employer’s liability in its base policy without publishing the limit; Founder Shield makes it optional and uses A- or better rated insurers. ^1,⁵

What Are the Key Differences Between Chubb and Founder Shield Workers’ Compensation Insurance?

Employer's Liability: Built In Versus Optional

Chubb's coverage list includes employer-liability limits as part of the base policy, though the specific dollar amounts aren't published. ¹ Founder Shield instead lists an employer-liability add-on as optional, separate from its base coverage of medical expenses, lost wages, rehabilitation and death benefits. ³

Choose Chubb if you want employer’s liability included; choose Founder Shield if you need its A- insurer-rating threshold or serve its listed industries. ³

A Named Carrier-Rating Standard

Founder Shield states a specific quality floor for carrier selection:

Founder Shield says it places policies, including Founder Shield Workers' Compensation 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. ⁵Company-reported. General carrier-selection FAQ, not specific to this line's placements.

Chubb underwrites the policy itself rather than selecting among outside carriers, so a comparable rating standard for a third-party carrier does not apply to its offering. ¹

Eligibility Framed by Revenue Versus by Industry

Chubb frames eligibility by business size, covering as little as one employee up to $30 million in revenue across a wide range of classes including technology. ¹ ² Founder Shield instead names specific buyer segments: construction, restaurants and hospitality, professional offices, healthcare and retail. ³

What Should You Confirm in Chubb and Founder Shield Workers’ Compensation Insurance Quotes?

Ask Chubb for the specific employer-liability limit dollar amounts on your quote. ¹
Ask Founder Shield whether the employer-liability add-on is included in your quoted premium or priced separately. ³
Ask Founder Shield for the specific carrier and its AM Best rating once a placement is proposed. ⁵
If your business exceeds $30 million in revenue, confirm whether Chubb's small-business workers' comp product still applies. ¹

Chubb vs Founder Shield Workers’ Compensation Insurance Compared

Chubb vs Founder Shield: Workers’ Compensation Insurance: documented features by provider

Criteria	Chubb Small Business Workers' Compensation Insurance	Founder Shield Workers' Compensation Insurance
Who It’s For	Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. ^1,²Company-reported. Coverage-highlights list on the small-business workers' compensation page.	Founder Shield's page says most states require workers' compensation as soon as a company hires its first employee, and highlights construction, restaurants/hospitality, professional offices, healthcare and retail as buyer segments. ³Company-reported. Workers' Compensation Insurance product page.
How to Apply	You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ¹Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers.	You request Founder Shield Workers' Compensation 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. ^4,⁵Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.
Coverage Features	Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. ¹Company-reported. Coverage-highlights list; specific options depend on the issued policy.	Founder Shield lists medical expenses, a portion of lost wages, rehabilitation costs, death benefits, and an optional employer-liability add-on as what the policy covers. ³Company-reported. Product page; the issued policy and declarations control actual coverage.
Role in This Line	Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ¹Company-reported. Workers' Compensation for Small Business product page.	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Workers' Compensation Insurance with third-party carriers rather than underwriting the policy itself. ⁴Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.