Founder Shield vs HUB International: How Do They Compare for Product Liability Insurance?

Founder Shield is a retail brokerage, the innovation arm of The Baldwin Group, placing product liability for makers and online sellers; HUB International brokers it through its casualty practice, with assessments to set limits and program structure.

Founder Shield serves manufacturers, distributors and retail or e-commerce sellers through carriers rated A- or better by AM Best. HUB places product liability with regional, national and specialty insurers and can add recall, crisis-response and other casualty lines. ^2,^3,⁴

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

Choose by Product and Program Scope

Founder Shield focuses on manufacturers, distributors and retail or e-commerce companies and says it uses insurers rated A- or better by AM Best. HUB serves sectors including transportation, construction, healthcare, hospitality, manufacturing and real estate and can place broader casualty lines. Choose Founder Shield if you sell physical goods and prioritize an A- or better insurer; choose HUB if you are building a casualty program that may include product recall or crisis-response coverage. ¹ ³ ⁴

HUB also arranges product recall, crisis response, sexual-misconduct liability, active-assailant protection and Violent Acts Liability. Founder Shield’s reviewed product page focuses on product liability scenarios such as manufacturing defects, design defects and inadequate labeling rather than listing companion casualty lines. ⁴ ¹

Set Your Limits and Retentions

HUB says its casualty team uses risk-financing assessments to set retentions, program structures and limits. Founder Shield approaches carriers after you request a quote through its website or an adviser, but does not publish example product-liability limits. Ask both for the proposed insurer, limit and retention. ⁴ ² ³

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

Ask Founder Shield which A- or better carrier it proposes and what limits are available for your products. ³
Ask HUB which insurer would issue the policy and whether recall or crisis coverage is included. ⁴
Compare HUB’s recommended retention and structure with Founder Shield’s proposed limit. ⁴ ¹
Confirm how your industry fits the actual insurer’s appetite and form. ¹ ⁴

Founder Shield vs HUB International Product Liability Compared

Founder Shield vs HUB International: Product Liability Insurance: documented features by provider

Criteria	Founder Shield Product Liability Insurance	HUB International General & Product Liability Insurance Brokerage
Who It’s For	Founder Shield markets product liability to manufacturers, distributors, and retail/e-commerce companies that make or sell physical products. ¹Company-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. ⁴Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.
Coverage Features	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. ¹Company-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. ⁴Company-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. ⁴Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.
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 Product Liability 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 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. ⁴Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

Criteria

Founder Shield Product Liability Insurance

HUB International General & Product Liability Insurance Brokerage

Who It’s For

Founder Shield markets product liability to manufacturers, distributors, and retail/e-commerce companies that make or sell physical products. ¹Company-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. ⁴Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.

Coverage Features

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. ¹Company-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. ⁴Company-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. ⁴Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

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 Product Liability 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 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. ⁴Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.