--- title: "Founder Shield vs HUB International" description: "How Founder Shield’s venture-backed growth brokerage, now in the Baldwin group, differs from HUB International’s technology practice and Insureon routing for a company approaching a priced round." canonical: "https://spot.insure/compare/foundershield-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Founder Shield", "HUB International"] --- [Human-readable page](https://spot.insure/compare/foundershield-vs-hub-international) # Founder Shield vs HUB International How Founder Shield’s venture-backed growth brokerage, now in the Baldwin group, differs from HUB International’s technology practice and Insureon routing for a company approaching a priced round. ## Research Scope and Use Use this comparison to evaluate Founder Shield and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Founder Shield focuses on venture-backed and high-growth businesses from early rounds through IPO and is part of the Baldwin group. HUB International is a large independent brokerage with a technology practice and an Insureon digital path for qualifying small commercial accounts. [1](https://foundershield.com/ "Founder Shield") [6](https://foundershield.com/startup-insurance/ "Startup Insurance") [4](https://baldwin.com/partnerships/ "Partnerships") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [32](https://www.hubinternational.com/about-us/ "About Us") [36](https://www.hubinternational.com/contact-us/ "Contact Us") ## Introduction Founder Shield and HUB International both arrange insurance for technology companies that expect funding events, hiring spikes and new offices. Founder Shield’s public focus is venture-backed growth through IPO, now inside the Baldwin group. HUB’s technology page addresses startups and global software or digital-media companies and reports a large technology-client count. The buyer question is which team will re-trade D&O and related lines around a priced round, and whether a HUB inquiry lands with retail specialists or Insureon. [6](https://foundershield.com/startup-insurance/ "Startup Insurance") [4](https://baldwin.com/partnerships/ "Partnerships") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [36](https://www.hubinternational.com/contact-us/ "Contact Us") ## Documented Provider Strengths ### Founder Shield - A focus on venture-backed and high-growth businesses spans early funding rounds through an initial public offering. [1](https://foundershield.com/ "Founder Shield") [6](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.) - Founder Shield asks clients to flag new products, business models, offices and territories so its team can review coverage changes. [19](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") (Evidence: Company-reported; scope: Changes FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change.; verified: 2026-09-15.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [36](https://www.hubinternational.com/contact-us/ "Contact Us") [39](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [41](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [34](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Founder Shield | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [56](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [47](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Contract frustration | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed | | Crime | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [49](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [41](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Digital assets | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed | | Directors and officers | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [40](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [58](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [29](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [57](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [50](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [39](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Generative AI liability | Listed [14](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") | Not listed | | Hired and non-owned auto | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [48](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Intellectual property | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed | | Key person | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [51](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Last-mile delivery | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed | | Management liability | Not listed | Listed [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Media liability | Listed [28](https://foundershield.com/coverage/content-creator/ "Content Creator Insurance") | Not listed | | Medical malpractice | Not listed | Listed [53](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [55](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [55](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [42](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [54](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [52](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Not listed | Listed [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [56](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [55](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Venture capital asset protection | Listed [11](https://foundershield.com/coverage/ "Coverage") | Not listed | | Virtual care and telehealth | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [59](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Listed [11](https://foundershield.com/coverage/ "Coverage") | Listed [45](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Founder Shield and HUB International ### Growth Broker in a Public Brokerage Group Versus HUB Limited Founder Shield’s materials place it in the Baldwin group as a growth-oriented brokerage. [4](https://baldwin.com/partnerships/ "Partnerships") [3](https://foundershield.com/about-us/ "About Us") HUB International Limited remains the parent brand for HUB retail brokerage, distinct from Baldwin. [32](https://www.hubinternational.com/about-us/ "About Us") [33](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Founder Shield’s terms also note a New York disciplinary item that is relevant to producer due diligence; it is not a California license finding. HUB’s California retail producer is unnamed on office pages. Check both producers in the relevant state lookup rather than relying on brand. [2](https://foundershield.com/terms-of-service/ "Terms of Service") [33](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") ### Who the Marketing Copy Is For Founder Shield asks clients to flag new products, models, offices and territories so coverage can be reviewed. HUB San Francisco copy mentions startups and venture capital among Bay Area industries. Neither statement is an eligibility list for a specific round. [1](https://foundershield.com/ "Founder Shield") [29](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") ### Intake Speed Versus Size Routing Founder Shield documents application timing and a binding process. HUB documents contact-us routing, not a published bind clock. If you are under HUB’s 50-employee or $5 million tests, Founder Shield’s growth narrative may still be aimed at you while HUB’s published path is Insureon. [7](https://apx.foundershield.com/ "Quote Portal") [36](https://www.hubinternational.com/contact-us/ "Contact Us") ### Compensation and Group Arrangements Founder Shield discloses broker compensation and Baldwin group compensation. HUB discloses commissions, contingents, wholesale layers and Strategic Carrier incentives. Ask how a D&O tower is paid if Baldwin or HUB wholesale sits in the chain. [3](https://foundershield.com/about-us/ "About Us") [35](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") ## What to Confirm in Quotes - **D&O structure around the next financing,** including Side A and any generative-AI placement Founder Shield discusses separately. [11](https://foundershield.com/coverage/ "Coverage") [40](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") - **Servicing entity after Baldwin and after any Insureon handoff.** [4](https://baldwin.com/partnerships/ "Partnerships") [62](https://www.insureon.com/about-us "About Insureon") - **Certificate and endorsement process** when a new customer contract arrives mid-term. Neither homepage states a timed turnaround. [1](https://foundershield.com/ "Founder Shield") [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Service Comparison Founder Shield vs HUB International: documented services and availability. | Criteria | Founder Shield | HUB International | | --- | --- | --- | | Business role | Founder Shield is a commercial insurance broker: it helps businesses choose coverage and arrange policies with insurers. Its terms say it does not insure the risk or decide whether a claim is covered. [1](https://foundershield.com/ "Founder Shield") [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Brand’s documented intermediary role. No assertion of current state licensure or universal underwriting authority.; verified: 2026-09-15.)

Founder Shield operates within The Baldwin Group, which lists it among its acquired firms. Founder Shield describes itself as the group’s innovation arm. [3](https://foundershield.com/about-us/ "About Us") [4](https://baldwin.com/partnerships/ "Partnerships") (Evidence: Company-reported; scope: Current brand relationship corroborated by the group’s own site. No claim about ultimate investors, public listing status or a current intermediary ownership chain.; verified: 2026-09-15.)

The terms name The Baldwin Group Specialty Solutions, LLC as the contracting company, but the License Status section identifies Foundershield LLC as the producer. The reviewed records do not resolve which entity would appear on a new engagement; ask for its legal name and applicable license. [2](https://foundershield.com/terms-of-service/ "Terms of Service") [5](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/exhibit-211fy2025q4.htm "List of Subsidiaries as of February 26, 2026") [24](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Not found in reviewed sources; scope: The SEC subsidiary list names Specialty Solutions; the 2025 New York record names Foundershield LLC. Neither establishes a name change, merger, successor relationship or the producer on every current transaction.; verified: 2026-09-15.)

New York’s Department of Financial Services reported a $36,600 fine against Foundershield LLC for late filing of excess-line documents for recording and stamping during January 2019–March 2023. The consent order was approved on June 26, 2025. The notice concerns filing compliance, not a finding about claims payments. [24](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Verified; scope: August 21, 2025 disciplinary notice, PDF page 6, visually checked against the original. Does not establish current license status, remediation, policy invalidity or a pattern of claims conduct.; verified: 2026-09-15.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [32](https://www.hubinternational.com/about-us/ "About Us") [33](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [37](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [32](https://www.hubinternational.com/about-us/ "About Us") [62](https://www.insureon.com/about-us "About Insureon") [63](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [64](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [65](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | | Customer focus | Founder Shield focuses on venture-backed and high-growth businesses, from early funding rounds through an initial public offering. Its practices include technology, life sciences, financial services, retail and transportation. [1](https://foundershield.com/ "Founder Shield") [6](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.) | HUB’s San Francisco Mission Street office says its brokers work across commercial lines, personal lines and high-net-worth, and employee benefits, and names Bay Area industries including technology, venture capital, healthcare and life sciences, real estate and construction. The same page says the team helps startups navigate risk. That is office marketing, not a published eligibility list. [29](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [30](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)

HUB’s technology-company page addresses fast-growing startups and established software, hardware or digital-media businesses. It lists a technology-specific mix that includes professional liability/technology E&O, cyber, D&O and other management liability, transactional/warranty insurance, workers’ compensation, employee benefits and key-person coverages. The page also claims more than 5,000 technology companies currently insured; that figure is company-reported and was not independently counted here. [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)

HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [36](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) | | Application process | The Get a Quote link opens a portal with Create Account and Sign In options. Registration offers Google, Microsoft, or an email address and password. [7](https://apx.foundershield.com/ "Quote Portal") [8](https://apx.foundershield.com/register "Create Account") (Evidence: Verified; scope: Public interface directly observed in Chrome on September 15, 2026. No sign-in, identity-provider flow, registration submission, quote or authenticated workflow tested.; verified: 2026-09-15.)

Founder Shield advertises an application that takes under 15 minutes. That is an application-time claim, not a guaranteed time to receive insurer terms or put coverage in force. [6](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Startup page marketing claim. No timed application or binding exercise performed.; verified: 2026-09-15.)

To buy coverage, Founder Shield’s FAQ says you approve a proposal, select a payment method and choose the desired start date. Its team then follows up on documents needing electronic signatures and handles the insurer’s paperwork. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/ "How Do I Bind Coverage?") (Evidence: Company-reported; scope: Documented general process; the actual carrier’s outstanding requirements and confirmation determine the transaction. No completed purchase observed.; verified: 2026-09-15.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [36](https://www.hubinternational.com/contact-us/ "Contact Us") [39](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [41](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [38](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [34](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Servicing and renewals | Founder Shield’s certificate FAQ directs customers to email the team. For a request tied to a contract, it asks for the other party’s legal name and address, required wording, and the insurance requirements from the contract so the team can assess endorsement needs. [18](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-get-a-certificates-of-insurance/ "How Do I Get a Certificates of Insurance?") (Evidence: Company-reported; scope: Company-described COI process. No certificate requested and no turnaround independently measured. A request is not confirmation that all requested wording is covered.; verified: 2026-09-15.)

Founder Shield asks clients to report changes such as a new product, a different business model, a new office or entry into another territory. Its team says it will evaluate those changes and adjust coverage. [19](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") (Evidence: Company-reported; scope: Changes FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change.; verified: 2026-09-15.)

Founder Shield describes a platform for applications and renewals, with ongoing advisor support. Its renewal guide suggests starting 60–90 days before expiration and preparing updated business information and claims history. That is planning guidance, not a promised renewal-service deadline. [1](https://foundershield.com/ "Founder Shield") [20](https://foundershield.com/blog/business-insurance-renewal-checklist-for-startups/ "The Ultimate Business Insurance Renewal Checklist for Startups") (Evidence: Company-reported; scope: Homepage platform description and January 2026 renewal guidance. No authenticated renewal tested, automatic renewal guarantee or fixed service-level agreement found.; verified: 2026-09-15.)

Founder Shield’s terms direct cancellation requests to client support and warn that some insurers retain a minimum earned premium—a portion you cannot recover by cancelling early. Check the proposal’s cancellation terms. [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: General cancellation description; refund amounts, financed balances and effective dates depend on the contract.; verified: 2026-09-15.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [44](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [61](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [58](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | | Fees and compensation | Founder Shield’s pricing FAQ says quotes generally cover one year, unless stated otherwise, and include the fees and charges for that policy period. It describes full payment, carrier installments and financing through premium-finance companies, depending on the policy and payment arrangement. [22](https://foundershield.com/insurance-faqs/general-faqs/what-am-i-actually-getting-for-the-price-of-business-insurance/ "What Am I Actually Getting For the Price of Business Insurance?") (Evidence: Company-reported; scope: General billing description, not a quoted premium, guaranteed financing eligibility or a statement that borrowing costs are included in the insurance price.; verified: 2026-09-15.)

Founder Shield discloses compensation through commissions, fees or interest and invites questions about the amount and nature of that compensation. Its terms say customer charges will be disclosed in advance. [2](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Fees and Charges section. No account-specific compensation amount or universally applicable fee schedule obtained.; verified: 2026-09-15.)

The Baldwin Group’s January 2026 disclosure also describes client fees, commissions tied to volume or profitability, compensation for affiliated placement services, and referral fees from providers such as premium-finance companies. These are possible group arrangements, not a finding that each applies to your Founder Shield policy. [23](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") (Evidence: Company-reported; scope: Group-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.; verified: 2026-09-15.) | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [35](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | ## Related Reading - [What Is Founder Shield Insurance?](https://spot.insure/insurance-providers/foundershield) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Founder Shield](https://spot.insure/compare/alliance-risk-vs-foundershield) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Founder Shield](https://spot.insure/compare/amelia-risk-vs-foundershield) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Founder Shield](https://spot.insure/compare/armilla-vs-foundershield) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Founder Shield Insurance](https://spot.insure/compare/at-bay-vs-foundershield) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - 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[HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Founder Shield Official Website](https://foundershield.com) 1. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15. 2. [Terms of Service](https://foundershield.com/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. 3. [About Us](https://foundershield.com/about-us/). Founder Shield; Opening description and Charting Your path from MVP to IPO. Accessed 2026-09-15. 4. [Partnerships](https://baldwin.com/partnerships/). The Baldwin Group; Brand-change introduction and 2020–2024 acquisitions list, Founder Shield entry. Accessed 2026-09-15. 5. [List of Subsidiaries as of February 26, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/exhibit-211fy2025q4.htm). 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. 6. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider; What Coverage Does your Startup Need?. Accessed 2026-09-15. 7. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15. 8. [Create Account](https://apx.foundershield.com/register). Founder Shield; Public registration screen: Google, Microsoft, email and password options. Accessed 2026-09-15. 9. [How Do I Bind Coverage?](https://foundershield.com/insurance-faqs/general-faqs/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. 10. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/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. 11. [Coverage](https://foundershield.com/coverage/). Founder Shield; Core Coverage and Specialized Coverage lists. Accessed 2026-09-15. 12. [How Do We Purchase “A La Carte” Commercial Insurance?](https://foundershield.com/insurance-faqs/general-faqs/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. 13. [Directors & Officers Insurance](https://foundershield.com/coverage/directors-and-officers-insurance/). Founder Shield; What Does D&O Insurance Cover?; Major Shareholder Exclusion; D&O Insurance Cost and Enhancements. Accessed 2026-09-15. 14. [Generative AI Liability Insurance](https://foundershield.com/coverage/generative-ai-liability-insurance/). Founder Shield; Who Needs coverage; five coverage categories; Generative AI Liability Policy; exclusions; Speak with a Generative AI Liability Insurance Broker. Accessed 2026-09-15. 15. [AI Liability Insurance for Brokers](https://www.testudo.co/brokers). Testudo; What does the policy cover? (six insuring agreements); Limits & pricing; target customers; application materials via Broker Platform. Accessed 2026-09-15. 16. [About Testudo](https://www.testudo.co/about). Testudo; What we do; Coverage you can rely on when it matters. Accessed 2026-09-15. 17. [Licenses and Regulatory Disclosures](https://www.testudo.co/licenses). Testudo; United States entity and non-risk-bearing role; United Kingdom entity disclosure. Accessed 2026-09-15. 18. [How Do I Get a Certificates of Insurance?](https://foundershield.com/insurance-faqs/general-faqs/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. 19. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/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. 20. [The Ultimate Business Insurance Renewal Checklist for Startups](https://foundershield.com/blog/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. 21. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15. 22. [What Am I Actually Getting For the Price of Business Insurance?](https://foundershield.com/insurance-faqs/general-faqs/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. 23. [Transparency & Disclosure](https://baldwin.com/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. 24. [Disciplinary Actions Issued August 21, 2025](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf). 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. 25. [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elsearch.alis). New York State Department of Financial Services; Producer-search entry point; CAPTCHA prevented an entity-specific result during this review. Accessed 2026-09-15. 26. [License](https://baldwin.com/license/). The Baldwin Group; California entity/license table; neither Foundershield LLC nor The Baldwin Group Specialty Solutions, LLC is listed. Accessed 2026-09-15. 27. [Surplus Lines](https://content.naic.org/insurance-topics/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. 28. [Content Creator Insurance](https://foundershield.com/coverage/content-creator/). Founder Shield; What Is Content Creator Insurance? Media liability coverage for creators. Accessed 2026-09-15. ### [HUB International Official Website](https://www.hubinternational.com) 29. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 30. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 31. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 32. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 33. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 34. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 35. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 36. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 37. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 38. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 39. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 40. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 41. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 42. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 43. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 44. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 45. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 46. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 47. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 48. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 49. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 50. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 51. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 52. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 53. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 54. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 55. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 56. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 57. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 58. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 59. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 60. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 61. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 62. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 63. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 64. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 65. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 66. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/foundershield-vs-hub-international.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)