---
title: "Founder Shield vs HUB International: D&O Insurance"
description: "Founder Shield is a startup-focused broker that uses only carriers rated A- or better and cites a typical $5–10 million base layer. HUB's ProEx practice serves private, nonprofit and public companies, with an attorney-staffed claims group from pre-claim wording review through recovery."
canonical: "https://spot.insure/compare/foundershield-vs-hub-international/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-hub-international"
provider-a: "foundershield"
provider-b: "hub-international"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/foundershield-vs-hub-international/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Founder Shield and HUB International for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Founder Shield versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Founder Shield vs HUB International for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Founder Shield or HUB International?
- What does Founder Shield or HUB International publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Founder Shield and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# Founder Shield vs HUB International: How Do They Compare for D&O Insurance?

Founder Shield places D&O for public and private companies and describes a three-part structure; HUB International brokers for private, public, and nonprofit organizations with specialist claims support.

Founder Shield suits venture-backed startups that want a typical $5–10 million D&O layer from A- or better carriers, while HUB suits nonprofits and public companies that want attorney-led claims support.

## Founder Shield vs HUB International D&O Insurance Summary

Founder Shield is a startup-focused broker that uses only carriers rated A- or better and cites a typical $5–10 million base layer. HUB's ProEx practice serves private, nonprofit and public companies, with an attorney-staffed claims group from pre-claim wording review through recovery. [1](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Are the Key Differences Between Founder Shield and HUB International D&O Insurance?

### Startups and Borrowers vs Nonprofits and Public Companies

Founder Shield targets venture-backed companies, saying almost every institutional term sheet requires D&O, and businesses owing more than $1 million to creditors. HUB targets private companies with customer and supplier relationships, nonprofits with advisory boards, and public companies with shareholders. Choose Founder Shield if you're a venture-backed startup or carry significant debt; choose HUB if you're a nonprofit, a public company or an established private company that wants claims attorneys on your side. [1](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

### What You Get Beyond the Placement

HUB says its ProEx practice places over $2 billion in premium and adds analytics, litigation support and risk-management services, and its claims group reviews policy wording before any claim. Founder Shield's D&O pages describe no claims team; what it offers is a carrier-quality floor, placing only with insurers rated A- or better by AM Best for your industry. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## What Should You Confirm in Founder Shield and HUB International D&O Insurance Quotes?

- Ask Founder Shield which carrier it chose and how your limit compares with the $5–10 million typical layer. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [1](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance")
- Ask Founder Shield who handles your claim if you're sued. [1](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance")
- Ask HUB which insurer would issue the policy and for limits and retentions; its pages publish neither. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask HUB who from its Claims & Legal Risks Group would work your file. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Founder Shield vs HUB International D&O Insurance Compared

| Criteria | Founder Shield Directors & Officers Insurance | HUB International Directors and Officers Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | 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. [1](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page target-market description; not an underwriting appetite statement..) |
| How to Apply | 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. [2](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page call to action..) |
| Coverage Features | 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. [1](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant..) |
| 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 Directors & Officers Insurance with third-party carriers rather than underwriting the policy itself. [2](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer..) |

## About Founder Shield and HUB International and D&O Insurance

- [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Founder Shield vs HUB International D&O Insurance

- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Founder Shield D&O Insurance](https://spot.insure/insurance-providers/foundershield/directors-officers)
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)

## Sources for Founder Shield vs HUB International D&O Insurance

### Sources About Founder Shield

1. [Directors & Officers Insurance](https://foundershield.com/coverage/directors-and-officers-insurance/). Founder Shield; What Is D&O Insurance; Who Needs D&O Insurance Coverage; What Does D&O Insurance Cover?. Accessed 2026-09-23.
2. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
3. [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; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.

### Sources About HUB International

4. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
5. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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

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