Founder Shield vs HUB International Telehealth Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Virtual Care, Telehealth, and Telemedicine 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 a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. ¹¹Company-reported. Virtual care 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 Virtual Care, Telehealth, and Telemedicine 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 virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. ¹¹Not found in reviewed sources. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there.

Founder Shield markets this line to telehealth companies, hospitals and clinics offering remote services, digital health startups, and individual practitioners who see patients virtually. ⁶Company-reported. Virtual Care, Telehealth, and Telemedicine Insurance product page.

HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. ¹¹Company-reported. Product-page eligibility framing; not a published underwriting appetite by state or care specialty.

Founder Shield lists medical-malpractice claims from a virtual consultation, data-privacy breaches, technological failures that affect patient care, licensing and regulatory issues, and failure to obtain informed consent as what the policy responds to. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

HUB lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. ¹¹Company-reported. Product-page coverage list; the issued policies and their exclusions control an actual claim.

HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. ¹¹Company-reported. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy.

Not described in the reviewed sources.

HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. ¹¹Company-reported. Product-page service description; a company-reported capability.

You request Founder Shield Virtual Care, Telehealth, and Telemedicine 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.