Founder Shield vs HUB International General Liability Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield General Liability 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 commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ¹¹Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

Founder Shield says it places policies, including Founder Shield General Liability 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 general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. ¹¹Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.

Founder Shield says general liability suits most businesses with a physical or customer-facing presence, including retail stores, tech startups, home-based businesses and property renters. ⁶Company-reported. General Liability product page.

Not described in the reviewed sources.

Founder Shield lists third-party bodily injury, property damage, personal and advertising injury (libel, slander, copyright infringement, invasion of privacy), and legal defense costs as what the policy covers. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

Founder Shield notes general liability excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), and damage to the policyholder's own property (covered by commercial property insurance). ⁶Company-reported. General Liability product page.

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ¹¹Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

Not described in the reviewed sources.

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ¹¹Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Not described in the reviewed sources.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ¹¹Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

You request Founder Shield General 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. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ¹¹Company-reported. Product-page copy; no online quote or bind flow is described.