---
title: "Founder Shield vs HUB International Workers’ Compensation Insurance"
description: "HUB publishes specific claim exclusions for workers' comp; Founder Shield describes an A-rated-carrier vetting standard instead."
canonical: "https://spot.insure/compare/foundershield-vs-hub-international/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Founder Shield vs HUB International Workers’ Compensation Insurance

HUB publishes specific claim exclusions for workers' comp; Founder Shield describes an A-rated-carrier vetting standard instead.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and HUB International for Workers’ Compensation 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

HUB's workers' compensation page lists specific claim exclusions, such as self-inflicted injuries and post-termination claims. Founder Shield does not publish exclusions; it says it only places business with carriers rated A- or better by AM Best. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## 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 Workers’ Compensation Insurance?

Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. [12](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [13](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [14](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### What the Reviewed Pages Say About Exclusions

HUB's page names specific circumstances that can exclude a claim: an injury that originated outside the workplace, was self-inflicted, resulted from a fight the employee started, relates to a felony, was claimed after termination or layoff, or occurred while the employee was under the influence. Founder Shield's page does not list exclusions; it instead describes what the policy covers (medical expenses, lost wages, rehabilitation, death benefits and an optional employer-liability add-on). [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [6](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance")

### How Each Broker Picks a Carrier

Founder Shield says it places policies, including Founder Shield Workers' Compensation 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..)

HUB's page does not name an issuing insurer or describe a carrier-selection standard; it says coverage requirements and options vary by state and that HUB helps clients navigate them. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### Eligibility Framing

HUB frames eligibility around state mandates, saying coverage is required in 49 states and the District of Columbia with Texas as the exception. Founder Shield instead frames eligibility around industry segment, naming construction, restaurants, hospitality, professional offices, healthcare and retail as common buyers. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [6](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask HUB which of its listed exclusions apply in the buyer's state, since exclusion language can vary by policy and jurisdiction. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask Founder Shield which AM Best-rated carrier it is proposing and confirm the rating directly with AM Best. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Neither offering discloses a specific insurer upfront; request the issuing carrier's name before binding either quote. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask each whether misclassification of employees versus contractors has been reviewed, since HUB names this as a specific service area. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## Offering Details

| Criteria | Founder Shield Workers' Compensation Insurance | HUB International Workers' Compensation 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 Workers' Compensation 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 workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Workers' compensation 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 Workers' Compensation 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 workers' compensation page does not name an issuing insurer or state fund; HUB places this coverage with insurers or funds that vary by client and state. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | Founder Shield's page says most states require workers' compensation as soon as a company hires its first employee, and highlights construction, restaurants/hospitality, professional offices, healthcare and retail as buyer segments. [6](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance product page..) | HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here..) |
| Coverage Features | Founder Shield lists medical expenses, a portion of lost wages, rehabilitation costs, death benefits, and an optional employer-liability add-on as what the policy covers. [6](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) | HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and state law control an actual claim..)<br><br>HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page exclusions list; actual claim outcomes depend on the specific policy and state law..) |
| Risk Services | Not described in the reviewed sources. | HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. [11](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page misclassification-liability section; a company-reported advisory service..) |
| How to Apply | You request Founder Shield Workers' Compensation 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 Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [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 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)
- [Alliance Risk vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Chubb vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-foundershield/workers-compensation)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)

## 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. [Workers' Compensation Insurance](https://foundershield.com/coverage/workers-compensation-insurance/). Founder Shield; What Is Workers’ Comp Insurance?; Who Needs Workers’ Comp Insurance Coverage?; What Does Workers’ Comp 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. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement statement. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

12. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
13. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
14. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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