Founder Shield vs HUB International Crime Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Crime Insurance with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

HUB brokers commercial crime insurance rather than underwriting the coverage itself. ¹¹Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Founder Shield says it places policies, including Founder Shield Crime Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ³Company-reported. General carrier-selection FAQ, not specific to this line's placements.

The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. ¹¹Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there.

Founder Shield calls this coverage a priority for healthcare, financial services, non-profit and manufacturing/retail companies because of their exposure to internal or external theft. ⁶Company-reported. Crime Insurance product page.

HUB says crime coverage is available for private, public and not-for-profit organizations. ¹¹Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.

Founder Shield lists employee dishonesty (theft or embezzlement by an identified employee), forgery or alteration of financial instruments, computer fraud, and funds-transfer fraud from social engineering as the branches of crime coverage it places. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ¹¹Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. ¹¹Company-reported. Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data.

Not described in the reviewed sources.

Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. ¹¹Not publicly disclosed. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations.

You request Founder Shield Crime Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. ¹¹Company-reported. Product-page call to action as read 2026-09-23.