--- title: "Founder Shield vs HUB International Telehealth Insurance" description: "Founder Shield places A- rated telehealth policies; HUB brokers a multi-line virtual-care package and flags PCF states." canonical: "https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth" page-type: "line-comparison" updated-at: "2026-09-24" --- 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/virtual-care-telehealth) # Founder Shield vs HUB International Telehealth Insurance Founder Shield places A- rated telehealth policies; HUB brokers a multi-line virtual-care package and flags PCF states. ## Research Scope and Use Use this comparison to evaluate Founder Shield and HUB International for Telehealth 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 Virtual Care, Telehealth, and Telemedicine Insurance with A- or better carriers, listing virtual-consultation malpractice and informed-consent claims. HUB brokers professional, tech E&O, products, cyber, general and management liability for virtual-care organizations and flags Patient Compensation Fund rules. [6](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/ "Virtual Care, Telehealth, and Telemedicine Insurance") [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/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") ## 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 Virtual Care and Telehealth Insurance? Virtual care and telehealth insurance addresses liability for healthcare services delivered through technology, including remote consultations. It doesn't automatically extend to cyber incidents, in-person malpractice, or product defects — those need separate confirmation in the quote. [12](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [13](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [14](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | eHealth") ## Key Differences in Telehealth Insurance ### Two Brokerages, Different Homes for the Line Founder Shield is a retail brokerage, described as the innovation arm of The Baldwin Group, and places this line with third-party carriers rated A- or better by AM Best. [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?") [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") ### Claim Types Versus a Line-Item Package 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. [6](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/ "Virtual Care, Telehealth, and Telemedicine Insurance") [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") ## What to Confirm in Telehealth Insurance Quotes - Ask Founder Shield which A- or better carrier is quoting and whether informed-consent claims are on the form. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [6](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/ "Virtual Care, Telehealth, and Telemedicine Insurance") - Ask HUB which insurers quote each line and whether Patient Compensation Fund rules apply. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") - Confirm whether D&O or EPL is included in HUB’s package versus a separate Founder Shield placement. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") - Check HUB’s COVID-19 exclusion flag against the malpractice wording Founder Shield describes. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [6](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/ "Virtual Care, Telehealth, and Telemedicine Insurance") ## Offering Details | Criteria | Founder Shield Virtual Care, Telehealth, and Telemedicine Insurance | HUB International Virtual Care Insurance Brokerage | | --- | --- | --- | | 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 Virtual Care, Telehealth, and Telemedicine 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 a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Virtual care 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 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. [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 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. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Not found in reviewed sources; scope: Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there..) | | Who It’s For | Founder Shield markets this line to telehealth companies, hospitals and clinics offering remote services, digital health startups, and individual practitioners who see patients virtually. [6](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/ "Virtual Care, Telehealth, and Telemedicine Insurance") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page eligibility framing; not a published underwriting appetite by state or care specialty..) | | Coverage Features | 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. [6](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/ "Virtual Care, Telehealth, and Telemedicine Insurance") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy..) | | Risk Services | 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. [11](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability..) | | How to Apply | 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](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..) | Not described in the reviewed sources. | ## 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 Virtual Care and Telehealth Insurance?](https://spot.insure/coverage/virtual-care-telehealth): Virtual care and telehealth insurance addresses liability for remote consultations and other health care delivered through technology. - [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 Representations and Warranties Insurance](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties) - [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 Telehealth Insurance](https://spot.insure/compare/beazley-vs-foundershield/virtual-care-telehealth) - [Beazley vs HUB International Telehealth Insurance](https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth) - [CFC vs Founder Shield Telehealth Insurance](https://spot.insure/compare/cfc-vs-foundershield/virtual-care-telehealth) - [CFC vs HUB International Telehealth Insurance](https://spot.insure/compare/cfc-vs-hub-international/virtual-care-telehealth) - [Founder Shield vs Newfront Telehealth Insurance](https://spot.insure/compare/foundershield-vs-newfront/virtual-care-telehealth) - [HUB International vs Newfront Telehealth Insurance](https://spot.insure/compare/hub-international-vs-newfront/virtual-care-telehealth) ## 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. [Virtual Care, Telehealth, and Telemedicine Insurance](https://foundershield.com/coverage/virtual-care-telemedicine-insurance/). Founder Shield; What Is Virtual Care, Telehealth, and Telemedicine Insurance?; Who Needs This Insurance?; What Does Virtual Care, Telehealth, and Telemedicine 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. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Protecting against emerging risks section; coverage list: virtual care medical professional liability, technology E&O, products liability, cyber liability and data security, general liability, management liability (D&O, EPLI); risk-assessment service description; Connect With a Broker. Accessed 2026-09-23. ### Telehealth Insurance Guide 12. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space. Accessed 2026-09-16. 13. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization. Accessed 2026-09-16. 14. [Digital health insurance | eHealth](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product. Accessed 2026-09-16. Updated 2026-09-24. 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/virtual-care-telehealth.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)