Founder Shield vs HUB International Umbrella and Excess 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 Umbrella 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 umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹¹Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

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

The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. ¹¹Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there.

Founder Shield's page describes umbrella coverage broadly for high-net-worth individuals, business owners, property owners, and professionals such as doctors, lawyers or architects; it does not distinguish a business-only umbrella product from personal umbrella coverage. ⁶Company-reported. Umbrella Insurance product page; wording mixes personal and commercial umbrella use cases.

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹¹Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

Founder Shield describes umbrella insurance as extra liability coverage above the limits of underlying policies, responding to bodily injury, property damage, and personal-liability claims like libel or slander once primary limits are exhausted. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

Not described in the reviewed sources.

Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. ¹¹Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. ¹¹Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail.

You request Founder Shield Umbrella 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.