Founder Shield vs HUB International: How Do They Compare for Hired and Non-Owned Auto Insurance?

Founder Shield offers liability-only HNOA through third-party carriers; HUB International arranges it as an endorsement, with physical-damage options also described.

HUB can add theft or physical-damage options to HNOA attached to auto or GL; Founder Shield’s product covers liability only. ^1,⁵

What Are the Key Differences Between Founder Shield and HUB International Hired and Non-Owned Auto Insurance?

Physical-Damage Option Versus Liability-Only Cover

Founder Shield explicitly limits its HNOA product to liability and says physical damage to hired or non-owned vehicles is not covered. HUB attaches HNOA to auto or GL and can add theft or physical-damage coverage for non-owned vehicles used for business. ¹ ⁵ Choose HUB if you need vehicle theft or physical-damage options; choose Founder Shield if liability-only protection is enough and you want carriers rated A- or better.

Who Each Broker Names

Founder Shield markets HNOA to salespeople, delivery drivers, rental users, volunteer organizations and small businesses without a fleet. HUB says the exposure applies across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors, including employees or contractors driving rented, leased or personal vehicles. ¹ ⁵

Carriers and Services

Founder Shield says it places only with carriers rated A- or better by AM Best, chosen for the client’s industry. HUB’s reviewed pages do not name the issuing insurer; the carrier depends on the underlying commercial auto or general liability placement. HUB recommends technology-driven fleet tools (automated documentation, real-time insurance data, driver monitoring, usage-based insurance). Founder Shield’s reviewed HNOA pages do not describe those fleet-technology services. Neither side publishes HNOA dollar limits on the reviewed pages. ³ ⁴ ⁵ ¹

What Should You Confirm in Founder Shield and HUB International Hired and Non-Owned Auto Insurance Quotes?

Ask HUB whether theft or physical damage is on the rider, and ask Founder Shield to confirm the liability-only grant. ⁵ ¹
Ask Founder Shield which A- or better carrier will issue the policy. ³
Ask HUB whether contractors and gig-economy drivers are covered. ⁵
Get limits and the underlying policy the HUB rider attaches to. ⁵ ¹

Founder Shield vs HUB International Hired and Non-Owned Auto Compared

Founder Shield vs HUB International: Hired and Non-Owned Auto Insurance: documented features by provider

Criteria	Founder Shield Hired and Non-Owned Auto Insurance	HUB International Hired and Non-Owned Auto Insurance Brokerage
Who It’s For	Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. ¹Company-reported. HNOA product page.	HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. ⁵Company-reported. HNOA blog post sector list; not an underwriting appetite statement.
Coverage Features	Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. ¹Company-reported. Product page; the issued policy and declarations control actual coverage. Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). ¹Company-reported. HNOA product page.	HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. ⁵Company-reported. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim. HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. ⁵Company-reported. HNOA blog post coverage-structure section.
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 Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. ²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.	HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. ^4,⁵Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.

Criteria

Founder Shield Hired and Non-Owned Auto Insurance

HUB International Hired and Non-Owned Auto Insurance Brokerage

Who It’s For

Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. ¹Company-reported. HNOA product page.

HUB says HNOA exposure applies to organizations across transportation, hospitality, education, healthcare, nonprofit and shared or gig-economy sectors whose employees or contractors drive rented, leased or personal vehicles for work. ⁵Company-reported. HNOA blog post sector list; not an underwriting appetite statement.

Coverage Features

Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. ¹Company-reported. Product page; the issued policy and declarations control actual coverage.

Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). ¹Company-reported. HNOA product page.

HUB describes HNOA coverage as protecting a business when it rents or leases a vehicle, and when an employee's personal vehicle is used for work and the personal auto policy excludes or limits business use, leaving the business exposed if a claim exceeds the employee's own limits. ⁵Company-reported. HNOA blog post description of hired and non-owned exposures; the issued endorsement's wording and limits control an actual claim.

HUB says HNOA liability is typically added as a rider or endorsement to an existing commercial auto or general liability policy, with additional protection available for theft or physical damage to non-owned vehicles used for business. ⁵Company-reported. HNOA blog post coverage-structure section.

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 Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. ²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

HUB brokers hired and non-owned auto (HNOA) liability coverage as part of its commercial auto practice, arranging it as an endorsement or rider on a client's commercial auto or general liability policy rather than underwriting it directly. ^4,⁵Company-reported. Commercial auto product page coverage list and the HNOA blog post; neither page names an underwriting entity.