Founder Shield vs HUB International: How Do They Compare for Cyber Insurance?

Both are brokers: Founder Shield names healthcare, finance, SaaS and e-commerce and lists typical exclusions, while HUB International lists breach services and cites breach statistics.

Founder Shield places cyber only with carriers rated A- or better by AM Best. HUB brokers cyber through specialists, lists response costs such as privacy counsel and forensics, and cites figures that most data-breach claims come from small to midsize businesses. ^3,⁴

What Are the Key Differences Between Founder Shield and HUB International Cyber Insurance?

An A- Floor Versus Specialist Assessment

Founder Shield says it places Founder Shield Cyber Liability Insurance only with carriers rated A- or better, chosen for your industry. HUB brokers cyber rather than underwriting it and connects you with cyber specialists for a policy assessment. You can test Founder Shield against a published rating sentence. You test HUB against which specialist and which market it actually uses. Choose Founder Shield if that A- floor is the reason you hired a broker; choose HUB if you want a specialist assessment and a coverage list that starts with privacy attorneys and IT forensics. ³ ⁴

Industry Priority Versus Any Network That Stores Data

Founder Shield calls cyber a priority for healthcare, financial services, SaaS and e-commerce. HUB frames it as relevant to any business that stores data on a network, without a narrower size or industry list, and cites that data-privacy attacks occur roughly every 40 seconds in the US, that 85 percent of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third parties. Those statistics are HUB's argument, not a quote. ¹ ⁴

How You Start

You request Founder Shield cyber through its website or an advisor. HUB directs you to a broker or its cyber specialists; no online quote is described. ² ⁴

What Should You Confirm in Founder Shield and HUB International Cyber Insurance Quotes?

Ask Founder Shield which A-rated carrier it approached. ³
Ask HUB which carrier would issue the policy; the page does not name one. ⁴
Ask both for limits; neither publishes them. HUB argues response costs can reach six figures, which is not a limit. ⁴

Founder Shield vs HUB International Cyber Insurance Compared

Founder Shield vs HUB International: Cyber Insurance: documented features by provider

Criteria	Founder Shield Cyber Liability Insurance	HUB International Cyber Insurance Brokerage
Who It’s For	Founder Shield calls cyber coverage a priority for healthcare, financial services, SaaS and e-commerce companies, citing their exposure to data breaches and business interruption. ¹Company-reported. Cyber Liability product page.	HUB frames cyber insurance as relevant to any business that stores data on a network, without publishing a narrower eligibility list by size or industry on this page. ⁴Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	You request Founder Shield Cyber Liability 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. ^2,³Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ⁴Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Founder Shield lists loss or damage to electronic data, income loss and extra expense from a system outage, cyber extortion payments, and breach-notification and reputation-management costs as the branches of cyber coverage it places. ¹Company-reported. Product page; the issued policy and declarations control actual coverage. Founder Shield says cyber policies typically exclude loss of value from stolen IP, internal technology system upgrades, and possible future lost profits. ¹Company-reported. Product page; specific exclusions depend on the issued policy.	HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. ⁴Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. ⁴Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Cyber Liability Insurance with third-party carriers rather than underwriting the policy itself. ²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.	HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ⁴Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.