--- title: "Founder Shield vs HUB International: Representations and Warranties Insurance" description: "Founder Shield places R&W only with insurers rated A- or better and spells out what it covers, such as misstated financials and undisclosed tax or contracts; HUB's M&A brokers use R&W to reduce or eliminate escrow and strengthen your bid, and can add litigation buyout and tax indemnification." canonical: "https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "foundershield-vs-hub-international" provider-a: "foundershield" provider-b: "hub-international" coverage-line: "representations-warranties" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties) ## Agent Guide **What this page is:** Focused comparison of Founder Shield and HUB International for Representations and Warranties Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Representations and Warranties Insurance questions about Founder Shield versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Founder Shield vs HUB International for Representations and Warranties Insurance: how do they differ? - Which is better for Representations and Warranties Insurance, Founder Shield or HUB International? - What does Founder Shield or HUB International publish about Representations and Warranties Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Representations and Warranties Insurance. Providers: Founder Shield and HUB International. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) — all coverage lines for this pair - [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — how this coverage works - [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile # Founder Shield vs HUB International: How Do They Compare for Representations and Warranties Insurance? Founder Shield accepts requests through its website or an insurance advisor and places only with carriers rated at least A-; HUB International directs you to a broker to negotiate deal-specific coverage. Founder Shield places R&W only with A- or better insurers for sponsors, strategic buyers and family-business sellers, while HUB's M&A brokers use R&W to cut escrow and add tax and litigation-buyout cover. ## Founder Shield vs HUB International Representations and Warranties Insurance Summary Founder Shield places R&W only with insurers rated A- or better and spells out what it covers, such as misstated financials and undisclosed tax or contracts; HUB's M&A brokers use R&W to reduce or eliminate escrow and strengthen your bid, and can add litigation buyout and tax indemnification. [2](https://foundershield.com/about-us/ "About Us") [1](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ## What Are the Key Differences Between Founder Shield and HUB International Representations and Warranties Insurance? ### Stated Insurer Standard vs Deal-by-Deal Negotiation Both are brokers. Founder Shield takes R&W requests on its website or through an advisor and places only with insurers rated A- or better by AM Best. It names private equity and other sponsors, strategic buyers, corporate sellers of a business unit, and family-owned businesses, and says premiums are typically a percentage of the limit you negotiate. HUB's M&A practice negotiates cover deal by deal, doesn't name insurers or a rating floor, and publishes no deal-size or industry criteria. Choose Founder Shield if you want a known insurer-quality floor and clear pricing basis; choose HUB if escrow and bid terms matter most or you also need tax or litigation cover. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [2](https://foundershield.com/about-us/ "About Us") [1](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ### Named Breach Types vs Escrow and Companion Products Founder Shield lists the seller misrepresentations R&W covers, mostly for buyers: misstated financial statements, undisclosed tax, legal or regulatory non-compliance, and undisclosed contracts or leases. HUB says R&W protects a buyer if the seller's guarantees prove untrue, can reduce or eliminate escrow, and helps you bid more competitively. HUB also sells litigation buyout insurance for pending suits against the seller and tax indemnification for past, pending or future transactions; Founder Shield doesn't list either. [1](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ## What Should You Confirm in Founder Shield and HUB International Representations and Warranties Insurance Quotes? - Ask both which insurer would issue the policy. [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://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") - Ask both how the policy changes escrow and holdbacks, and which misrepresentation types are covered. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [1](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") - Ask HUB whether litigation buyout or tax indemnification is on the same placement. [4](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 the retention. [1](https://foundershield.com/coverage/representations-warranties-insurance/ "Representations and Warranties Insurance") [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") ## Founder Shield vs HUB International Representations and Warranties Compared | Criteria | Founder Shield Representations and Warranties Insurance | HUB International Representations and Warranties Insurance | | --- | --- | --- | | 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. [2](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. [4](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..) | | 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. [1](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. [4](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. [4](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..) | | 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. [2](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. [4](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..) | ## About Founder Shield and HUB International - [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/reviews) - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties) ## Related Pages for Founder Shield vs HUB International - [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 can cover loss from inaccurate statements in a business purchase agreement; known issues and purchase-price disputes require separate review. - [Founder Shield Representations and Warranties Insurance](https://spot.insure/insurance-providers/foundershield/representations-warranties) - [HUB International Representations and Warranties Insurance](https://spot.insure/insurance-providers/hub-international/representations-warranties) ## Sources for Founder Shield vs HUB International ### Sources About Founder Shield 1. [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. 2. [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. 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. ### Sources About HUB International 4. [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. Updated 2026-09-25. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)