Founder Shield Hired and Non-Owned Auto Insurance
Founder Shield Hired and Non-Owned Auto Insurance
Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Hired and Non-Owned Auto Insurance with third-party carriers rather than underwriting the policy itself. 2Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.
Issuing Insurer
Founder Shield says it places policies, including Founder Shield Hired and Non-Owned Auto 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.
Who It’s For
Founder Shield markets HNOA to businesses with mobile employees such as salespeople or delivery drivers, companies that rent vehicles, organizations that rely on volunteers, and small businesses without a company fleet. 1Company-reported. HNOA product page.
Coverage Features
Founder Shield says HNOA is a liability-only policy covering third-party bodily injury, third-party property damage and legal defense costs when an employee uses a personal or rented vehicle for business and their personal auto policy denies or limits the claim. 1Company-reported. Product page; the issued policy and declarations control actual coverage.
Founder Shield notes HNOA does not cover physical damage to the hired or non-owned vehicle itself, accidents involving company-owned vehicles, or injuries to the employee driving (covered instead by workers' compensation). 1Company-reported. HNOA product page.
How to Apply
You request Founder Shield Hired and Non-Owned Auto 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. 2,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.
Founder Shield Hired and Non-Owned Auto Insurance Compared
Other Founder Shield Coverage Lines
Sources
- Hired and Non-Owned Auto Insurance. Founder Shield; What Is Hired and Non-Owned Auto Insurance?; Who Needs Hired and Non-Owned Auto Insurance Coverage?; What Does Hired and Non-Owned Auto Insurance Cover? Accessed 2026-09-23.
- About Us. Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
- 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.
