--- title: "Founder Shield vs HUB International Representations and Warranties Insurance" description: "Founder Shield places A-rated R&W with example loss types; HUB brokers escrow-reducing R&W plus litigation-buyout and tax indemnification." canonical: "https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties) # Founder Shield vs HUB International Representations and Warranties Insurance Founder Shield places A-rated R&W with example loss types; HUB brokers escrow-reducing R&W plus litigation-buyout and tax indemnification. ## Research Scope and Use Use this comparison to evaluate Founder Shield and HUB International for Representations and Warranties Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Founder Shield places R&W with A-rated carriers and lists example seller misrepresentations for sponsors, strategics and family sellers. HUB’s M&A practice places R&W to reduce escrow and support bidding, alongside litigation-buyout and tax indemnification insurance. [7](https://foundershield.com/about-us/ "About Us") [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ## What Is Founder Shield Insurance? Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [1](https://foundershield.com/ "Founder Shield") [2](https://apx.foundershield.com/ "Quote Portal") [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://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [5](https://foundershield.com/claims/ "Claims") [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Representations and Warranties Insurance? Representations and warranties insurance addresses financial loss from inaccuracies in the representations or warranties made in a stock or asset purchase agreement. It doesn't cover issues already known before signing, disputes over the purchase price, or every statement made during diligence. [12](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance") [13](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") ## Key Differences in Representations and Warranties Insurance ### How You Reach a Market Founder Shield is a retail brokerage. You request R&W on its website or through an advisor, and it says it places only with carriers rated A- or better by AM Best. HUB also brokers the line, through its mergers-and-acquisitions practice. It directs you to a broker to negotiate deal-specific coverage and does not name an issuer or an AM Best minimum on the reviewed page. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [7](https://foundershield.com/about-us/ "About Us") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") You still need the carrier name on both quotes. Founder Shield tells you the rating screen in advance. HUB tells you the coverage is negotiated per deal. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ### What Each Says R&W Covers Founder Shield lists financial-statement misstatements, undisclosed tax, legal or regulatory non-compliance, and undisclosed contracts or leases as kinds of seller misrepresentations, mostly on the buyer side. HUB describes the same product type as covering the contractual guarantees a seller makes in a sale agreement and protecting a buyer if those guarantees turn out untrue. Both are talking about seller-rep breaches, with different levels of example detail. [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") HUB also says R&W can reduce or eliminate escrow and support more competitive bidding. Founder Shield’s reviewed page does not describe escrow or auction use; it says premiums are typically a percentage of the negotiated limit. Ask both quotes how holdbacks and bid structure actually change. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") ### Who They Name, and What Else They Place Founder Shield names private equity and other sponsors, strategic buyers, corporate sellers of a unit, and family-owned businesses. HUB frames buyers and sellers in a business sale and does not publish deal-size or industry criteria. HUB’s M&A practice also offers litigation-buyout insurance for pending seller litigation and tax indemnification for the tax treatment of a historical, pending or future transaction. Founder Shield’s reviewed R&W page does not list those two companion products. [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ## What to Confirm in Representations and Warranties Insurance Quotes - Name Founder Shield’s A-rated carrier and HUB’s market. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") - Compare escrow, bidding conditions and which misrepresentation types are insured. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") - Ask HUB whether litigation-buyout or tax indemnification is on the same placement. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") - Compare premium as a percentage of limit and retention. [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ## Offering Details | Criteria | Founder Shield Representations and Warranties Insurance | HUB International Representations and Warranties Insurance | | --- | --- | --- | | 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 Representations and Warranties Insurance with third-party carriers rather than underwriting the policy itself. [7](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 representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | | Issuing Insurer | Founder Shield says it places policies, including Founder Shield Representations and Warranties 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. [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: General carrier-selection FAQ, not specific to this line's placements..) | The M&A insurance page does not name an issuing insurer; HUB places representations and warranties coverage with insurers that vary by transaction. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Not found in reviewed sources; scope: Checked the M&A insurance page on 2026-09-23; no carrier is disclosed there..) | | Who It’s For | Founder Shield markets R&W insurance to private equity and other financial sponsors, strategic buyers, corporate sellers divesting a business unit, and family-owned businesses being sold. [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") (Evidence: Company-reported; scope: Representations and Warranties Insurance product page..) | The M&A insurance page frames this coverage around buyers and sellers in a business sale but does not publish deal-size thresholds, industries served, or other eligibility criteria. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Not found in reviewed sources; scope: Checked the M&A insurance page on 2026-09-23..) | | Coverage Features | Founder Shield lists financial-statement misstatements, undisclosed tax liabilities, legal or regulatory non-compliance, and undisclosed contracts or leases as the kinds of seller misrepresentations the policy can cover, mostly on the buyer side. [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) | HUB describes representations and warranties insurance as covering the contractual guarantees a seller makes in a sale agreement, protecting a buyer against the guarantees turning out to be untrue, and says it can reduce or eliminate escrow requirements and support more competitive bidding. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim..)

HUB's M&A practice also offers litigation buyout (contingent risk) insurance for pending litigation a seller faces, and tax indemnification insurance for the tax treatment of a historical, pending or future transaction, alongside representations and warranties coverage. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: Product-page description of related transactional risk products..) | | Limits and Retentions | Founder Shield's page does not publish specific limit figures; it says premiums are typically a percentage of the negotiated policy limit, which is set per transaction. [6](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") (Evidence: Not publicly disclosed; scope: Representations and Warranties Insurance product page, checked 2026-09-23..) | Not described in the reviewed sources. | | How to Apply | You request Founder Shield Representations and Warranties 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](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 you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. [11](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties): Representations and warranties insurance addresses financial loss from inaccurate statements in a business purchase agreement. - [Founder Shield vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cargo-transit) - [Founder Shield vs HUB International Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-hub-international/commercial-property) - [Founder Shield vs HUB International Crime Insurance](https://spot.insure/compare/foundershield-vs-hub-international/crime) - [Founder Shield vs HUB International Cyber Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cyber) - [Founder Shield vs HUB International D&O Insurance](https://spot.insure/compare/foundershield-vs-hub-international/directors-officers) - [Founder Shield vs HUB International Employee Health Benefits](https://spot.insure/compare/foundershield-vs-hub-international/employee-health-benefits) - [Founder Shield vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/employment-practices) - [Founder Shield vs HUB International Fidelity Bonds](https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds) - [Founder Shield vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/fiduciary) - [Founder Shield vs HUB International General Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/general-liability) - [Founder Shield vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foundershield-vs-hub-international/hired-non-owned-auto) - [Founder Shield vs HUB International Key Person Insurance](https://spot.insure/compare/foundershield-vs-hub-international/key-person) - [Founder Shield vs HUB International Product Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/product-liability) - [Founder Shield vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-hub-international/professional-errors-omissions) - [Founder Shield vs HUB International Telehealth Insurance](https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth) - [Founder Shield vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/umbrella-excess) - [Founder Shield vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-hub-international/workers-compensation) - [Beazley vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-foundershield/representations-warranties) - [Beazley vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-hub-international/representations-warranties) - [CFC vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-foundershield/representations-warranties) - [CFC vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-hub-international/representations-warranties) - [Chubb vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-foundershield/representations-warranties) - [Chubb vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-hub-international/representations-warranties) ## Sources ### Founder Shield 1. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15. 2. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15. 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. 4. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15. 5. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15. 6. [Representations and Warranties Insurance](https://foundershield.com/coverage/representations-warranties-insurance/). Founder Shield; What Is Reps & Warranties Insurance?; Who Needs Reps & Warranties Insurance Coverage?; What Does Reps & Warranties Insurance Cover?. Accessed 2026-09-23. 7. [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. ### HUB International 8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 11. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; M&A/Transactional Risk Insurance overview; Representations & Warranties Insurance section; Litigation Buyout Insurance section; Tax Indemnification Insurance section; Connect With a Broker. Accessed 2026-09-23. ### Representations and Warranties Insurance Guide 12. [Transaction liability insurance | Representation and indemnities insurance](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers. Accessed 2026-09-16. 13. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16. Updated 2026-09-23. 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). 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