---
title: "Founder Shield vs HUB International Fidelity Bonds"
description: "Founder Shield brokers a named ERISA fidelity product; HUB lists Crime/Fidelity and financial institution bonds under ProEx without ERISA dollar rules."
canonical: "https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Founder Shield vs HUB International Fidelity Bonds

Founder Shield brokers a named ERISA fidelity product; HUB lists Crime/Fidelity and financial institution bonds under ProEx without ERISA dollar rules.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and HUB International for Fidelity Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Founder Shield’s ERISA Fidelity Bond page names plan sponsors and restates the federal bonding percentages and caps. HUB International places Crime/Fidelity and Financial Institution Bonds through ProEx, with analytics and litigation support, and does not publish ERISA statutory amounts on that page. [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [1](https://foundershield.com/ "Founder Shield") [2](https://apx.foundershield.com/ "Quote Portal") [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://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?") [5](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [12](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Fidelity Bonds

### ERISA Product Page Versus ProEx Catalogue

Founder Shield sells placement of a named ERISA Fidelity Bond through its retail brokerage. HUB places crime and fidelity coverage, including financial institution bonds, through ProEx alongside other executive-liability and financial-institution lines, without a dedicated ERISA-bond product page in the reviewed source. [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [7](https://foundershield.com/about-us/ "About Us") [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Limits and Covered Conduct

Founder Shield restates ERISA’s 10% of funds handled, $1,000 minimum and $500,000 maximum (up to $1 million with employer securities), and lists theft, embezzlement, forgery, misappropriation and larceny of plan assets. HUB’s ProEx list names Crime/Fidelity and Financial Institution Bonds but gives no insuring-agreement detail, exclusions or published bond penalties. [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Markets and How You Start

Founder Shield says it approaches AM Best A- or better carriers by industry after you request the bond on its site or through an advisor. HUB says ProEx places more than $2 billion in premium with carriers it calls top-rated, without naming them for this line, and tells you to contact a ProEx specialist; that team also offers analytics, litigation support and risk-management services. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [7](https://foundershield.com/about-us/ "About Us") [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What to Confirm in Fidelity Bonds Quotes

- Ask Founder Shield which A-rated carrier will issue the ERISA bond and the penalty relative to plan assets. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond")
- Ask HUB whether you need Crime/Fidelity, a financial institution bond, an ERISA bond, or a combination. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Compare covered persons: Founder Shield names plan handlers; HUB’s list does not. [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask HUB which ProEx services attach to the bond placement. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Offering Details

| Criteria | Founder Shield ERISA Fidelity Bond | HUB International Crime and Fidelity Bond Brokerage |
| --- | --- | --- |
| 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 ERISA Fidelity Bond with third-party carriers rather than underwriting the policy itself. [7](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 places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds..) |
| Issuing Insurer | Founder Shield says it places policies, including Founder Shield ERISA Fidelity Bond, 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. [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: General carrier-selection FAQ, not specific to this line's placements..) | No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) |
| Who It’s For | Founder Shield says this bond is required for plan sponsors offering a retirement plan, the fiduciaries who manage it, third-party administrators, and even small businesses with a simple 401(k). [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") (Evidence: Company-reported; scope: ERISA Fidelity Bond product page..) | No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description..) |
| Coverage Features | Founder Shield lists theft and embezzlement of plan assets, forgery, misappropriation and larceny by those who handle a benefit plan's funds as what an ERISA fidelity bond covers. [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") (Evidence: Company-reported; scope: Product page; the issued bond and its terms control actual coverage..) | HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list only; these are catalogue entries, not policy-form descriptions..) |
| Limits and Retentions | Founder Shield's page states the federal ERISA bonding requirement: at least 10% of plan funds handled, with a minimum bond of $1,000 and a maximum of $500,000 (up to $1 million for plans holding employer securities). This is the statutory minimum, not a Founder Shield-specific limit. [6](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") (Evidence: Company-reported; scope: Product page describing the ERISA statutory bonding requirement..) | Published bond penalty amounts, limits or retentions were not found on the ProEx page. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations..) |
| Risk Services | Not described in the reviewed sources. | HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single bond placement..) |
| How to Apply | You request Founder Shield ERISA Fidelity Bond 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](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 prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) |

## Full Comparison

- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity bonds and employee-dishonesty coverage protect against specified losses caused by dishonest employees or people handling plan assets.
- [Founder Shield vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cargo-transit)
- [Founder Shield vs HUB International Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-hub-international/commercial-property)
- [Founder Shield vs HUB International Crime Insurance](https://spot.insure/compare/foundershield-vs-hub-international/crime)
- [Founder Shield vs HUB International Cyber Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cyber)
- [Founder Shield vs HUB International D&O Insurance](https://spot.insure/compare/foundershield-vs-hub-international/directors-officers)
- [Founder Shield vs HUB International Employee Health Benefits](https://spot.insure/compare/foundershield-vs-hub-international/employee-health-benefits)
- [Founder Shield vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/employment-practices)
- [Founder Shield vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/fiduciary)
- [Founder Shield vs HUB International General Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/general-liability)
- [Founder Shield vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foundershield-vs-hub-international/hired-non-owned-auto)
- [Founder Shield vs HUB International Key Person Insurance](https://spot.insure/compare/foundershield-vs-hub-international/key-person)
- [Founder Shield vs HUB International Product Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/product-liability)
- [Founder Shield vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-hub-international/professional-errors-omissions)
- [Founder Shield vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties)
- [Founder Shield vs HUB International Telehealth Insurance](https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth)
- [Founder Shield vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/umbrella-excess)
- [Founder Shield vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-hub-international/workers-compensation)
- [Beazley vs Founder Shield Fidelity Bonds](https://spot.insure/compare/beazley-vs-foundershield/fidelity-bonds)
- [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds)
- [Coverdash vs Founder Shield Fidelity Bonds](https://spot.insure/compare/coverdash-vs-foundershield/fidelity-bonds)
- [Coverdash vs HUB International Fidelity Bonds](https://spot.insure/compare/coverdash-vs-hub-international/fidelity-bonds)
- [Founder Shield vs Gallagher Fidelity Bonds](https://spot.insure/compare/foundershield-vs-gallagher/fidelity-bonds)
- [Founder Shield vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/foundershield-vs-heffernan/fidelity-bonds)

## Sources

### Founder Shield

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. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
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.
4. [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.
5. [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.
6. [ERISA Fidelity Bond](https://foundershield.com/coverage/erisa-fidelity-bond/). Founder Shield; What Is ERISA Fidelity Bond Insurance?; Who Needs ERISA Fidelity Bond Insurance Coverage?; What Does ERISA Fidelity Bond Insurance Cover?. Accessed 2026-09-23.
7. [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.

### HUB International

8. [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.
9. [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.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
11. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Fidelity Bonds Guide

12. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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