--- title: "Founder Shield vs HUB International: Fidelity Bonds" description: "Founder Shield focuses on ERISA bonds for employee-benefit plan assets; HUB places Crime/Fidelity and Financial Institution Bonds through its ProEx specialists." canonical: "https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "foundershield-vs-hub-international" provider-a: "foundershield" provider-b: "hub-international" coverage-line: "fidelity-bonds" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds) ## Agent Guide **What this page is:** Focused comparison of Founder Shield and HUB International for Fidelity Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Fidelity Bonds 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 Fidelity Bonds: how do they differ? - Which is better for Fidelity Bonds, Founder Shield or HUB International? - What does Founder Shield or HUB International publish about Fidelity Bonds (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Fidelity Bonds. 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 - [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — 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 Fidelity Bonds? Founder Shield brokers ERISA fidelity bonds for plan sponsors and fiduciaries, with minimum bond amounts tied to plan funds handled. HUB International places crime and fidelity offerings through ProEx and directs buyers to a specialist. Founder Shield places ERISA plan bonds; HUB places Crime/Fidelity and financial-institution bonds through ProEx. ## Founder Shield vs HUB International Fidelity Bonds Summary Founder Shield focuses on ERISA bonds for employee-benefit plan assets; HUB places Crime/Fidelity and Financial Institution Bonds through its ProEx specialists. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What Are the Key Differences Between Founder Shield and HUB International Fidelity Bonds? ### Employee-Benefit Plan Assets or Broader Bond Options Founder Shield offers ERISA fidelity bonds for plan sponsors, fiduciaries and small businesses managing a 401(k), with amounts tied to plan funds handled. HUB places Crime/Fidelity and Financial Institution Bonds through ProEx alongside other executive-risk services. Choose Founder Shield if you need an ERISA bond for plan assets; choose HUB if you need financial-institution bonding or broader executive-risk placement. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](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. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](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?") [2](https://foundershield.com/about-us/ "About Us") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What Should You Confirm in Founder Shield and HUB International 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?") [1](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. [4](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. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask HUB which ProEx services attach to the bond placement. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Founder Shield vs HUB International Fidelity Bonds Compared | Criteria | Founder Shield ERISA Fidelity Bond | HUB International Crime and Fidelity Bond Brokerage | | --- | --- | --- | | 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. [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 prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) | | 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. [1](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. [4](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..) | | 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. [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 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. [4](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..) | ## About Founder Shield and HUB International and Fidelity Bonds - [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 Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds) ## Related Pages for Founder Shield vs HUB International Fidelity Bonds - [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 coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets. - [Founder Shield Fidelity Bonds](https://spot.insure/insurance-providers/foundershield/fidelity-bonds) - [HUB International Fidelity Bonds](https://spot.insure/insurance-providers/hub-international/fidelity-bonds) ## Sources for Founder Shield vs HUB International Fidelity Bonds ### Sources About Founder Shield 1. [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. 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. [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. 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). 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