Founder Shield vs HUB International Product 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 Product 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 general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ¹¹Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

Founder Shield says it places policies, including Founder Shield Product 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.

HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. ¹¹Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote.

Founder Shield markets product liability to manufacturers, distributors, and retail/e-commerce companies that make or sell physical products. ⁶Company-reported. Product Liability Insurance product page.

HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ¹¹Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.

Founder Shield lists manufacturing defects, design defects and inadequate labeling as scenarios the policy responds to, covering defense fees, settlements or judgments, and medical costs. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ¹¹Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim.

HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ¹¹Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

Not described in the reviewed sources.

Published product liability policy limits or retentions were not found on the reviewed page. ¹¹Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote.

The reviewed page does not describe risk-management or product-safety services Founder Shield itself provides for this line; it notes only that insurers generally may offer such services. ⁶Not found in reviewed sources. Product Liability Insurance product page, checked 2026-09-23.

HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. ¹¹Company-reported. Casualty product page strategic-approach description.

You request Founder Shield Product 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.

Not described in the reviewed sources.