---
title: "Founder Shield vs HUB International: Fiduciary Liability Insurance"
description: "Founder Shield uses fiduciary carriers rated A- or better by AM Best for plan sponsors; HUB targets employers with health or retirement plans and names participant, DOL and PBGC claims."
canonical: "https://spot.insure/compare/foundershield-vs-hub-international/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-hub-international"
provider-a: "foundershield"
provider-b: "hub-international"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Founder Shield and HUB International for Fiduciary Liability 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 Fiduciary Liability 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 Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Founder Shield or HUB International?
- What does Founder Shield or HUB International publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability 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
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Fiduciary Liability Insurance?

Founder Shield brokers fiduciary coverage for 401(k) sponsors and individual plan fiduciaries; HUB International focuses on employers offering health-care or retirement plans and lists administrator-related claim scenarios.

Founder Shield places fiduciary with insurers rated A- or better by AM Best; HUB serves employers with health and retirement plans and details participant, DOL and PBGC claim scenarios.

## Founder Shield vs HUB International Fiduciary Liability Insurance Summary

Founder Shield uses fiduciary carriers rated A- or better by AM Best for plan sponsors; HUB targets employers with health or retirement plans and names participant, DOL and PBGC claims. [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/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## What Are the Key Differences Between Founder Shield and HUB International Fiduciary Liability Insurance?

### Shared Point: Not D&O

Founder Shield says its coverage responds to ERISA plan-administration duty claims, not general management or bodily-injury claims. HUB also states fiduciary exposure is not covered by D&O, so a D&O policy alone will not address these plan-related claims. [1](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### Carrier Standard Versus Unnamed Placement

Founder Shield says it places only with A- or better AM Best carriers matched by industry. HUB’s product page does not name an insurer and leaves the carrier to the placement. Both are brokers, not issuers. [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/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### Claim Lists

Founder Shield names risky investments, poor advice, benefits processing errors, and improper denial or change of benefits. HUB’s list also includes a plan’s insurer, mutual fund, or administrator making bad choices, conflicts of interest, insufficient funding, and incorrect plan termination, and it names possible claimants including the Department of Labor and the PBGC. [1](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### How You Reach a Person

Founder Shield takes website or advisor requests, then approaches markets. HUB uses “Connect With a Broker” and publishes a prevention video without describing a formal plan-review service. [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?") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## What Should You Confirm in Founder Shield and HUB International Fiduciary Liability Insurance Quotes?

- Ask both brokers to confirm fiduciary is not folded into D&O, matching their published distinctions. [1](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Get HUB’s proposed issuer and Founder Shield’s A-rated market name. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Check whether DOL or PBGC actions are treated as covered claims on the form, as HUB’s audience description suggests. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Treat HUB’s $1 million figure as a claim-cost example, not a limit. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## Founder Shield vs HUB International Fiduciary Liability Compared

| Criteria | Founder Shield Fiduciary Liability Insurance | HUB International Fiduciary Liability Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Founder Shield markets fiduciary liability to plan sponsors offering a 401(k) or similar plan and to the individual fiduciaries who handle plan funds or property. [1](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary Liability product page..) | HUB targets fiduciary liability brokerage at employers offering health-care or retirement benefit plans who face potential litigation from plan participants, the Department of Labor or the Pension Benefit Guaranty Corporation. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page target-audience description; not a published underwriting appetite..) |
| How to Apply | You request Founder Shield Fiduciary 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](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 fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page calls to action..) |
| Coverage Features | Founder Shield lists claims of risky plan investments, poor investment advice, administrative errors in benefits processing, and improper denial or change of benefits as scenarios fiduciary liability responds to. [1](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)<br><br>Founder Shield distinguishes fiduciary liability from D&O and general liability: it responds to breach-of-fiduciary-duty claims tied to ERISA plan administration, not general management or bodily-injury claims. [1](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary Liability product page..) | HUB lists fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim..)<br><br>HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page statement distinguishing fiduciary liability from D&O..) |
| 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 Fiduciary Liability 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 fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer..) |

## About Founder Shield and HUB International and Fiduciary Liability

- [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 Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Founder Shield vs HUB International

- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Founder Shield Fiduciary Liability Insurance](https://spot.insure/insurance-providers/foundershield/fiduciary)
- [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary)

## Sources for Founder Shield vs HUB International

### Sources About Founder Shield

1. [Fiduciary Liability Insurance](https://foundershield.com/coverage/fiduciary-liability-insurance/). Founder Shield; What Is Fiduciary Liability Insurance?; Who Needs Fiduciary Liability Insurance Coverage?; What Does Fiduciary Liability 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. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Target audience: employers offering health-care and retirement benefit plans; list of covered claim scenarios; statement distinguishing fiduciary liability from D&O; $1 million defense-and-settlement-cost reference; "Prevent Fiduciary Liability Claims" video; Connect With a Broker / Contact a HUB broker calls to action. 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.

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