Founder Shield vs HUB International D&O Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Directors & Officers 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 D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^11,12Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.

Founder Shield says it places policies, including Founder Shield Directors & Officers 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 D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^11,12Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote.

Founder Shield targets D&O at public and private businesses, venture-backed companies (it says almost every institutional term sheet requires the coverage), and businesses owing more than $1 million to creditors. ⁶Company-reported. Directors & Officers Insurance product page.

HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.

Founder Shield describes a three-part structure: Side A pays individual directors/officers directly when the company cannot or will not indemnify them, Side B reimburses the company for indemnification it pays, and Side C provides entity coverage for the company itself. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim.

HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

Founder Shield's page describes a typical market base layer of $5 million to $10 million in combined A-B-C coverage, but does not publish a specific limit Founder Shield itself offers; actual limits are set on the quote. ⁶Company-reported. General market description on the product page, not a stated Founder Shield minimum or maximum.

Published D&O policy limits or retentions were not found on the reviewed pages. ^11,12Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ¹²Company-reported. ProEx page team and services description; not specific to a single D&O engagement.

You request Founder Shield Directors & Officers 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 D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ¹¹Company-reported. D&O product page call to action.

Not described in the reviewed sources.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ¹²Company-reported. ProEx page claims and legal support section.