Foundershield vs Hub International: Representations and Warranties Insurance

Founder Shield accepts requests through its website or an insurance advisor and places only with carriers rated at least A-; HUB International directs you to a broker to negotiate deal-specific coverage.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Areas of coverage

Founder Shield

  • role: Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Representations and Warranties Insurance with third-party carriers rather than underwriting the policy itself. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.company-reportedSource ↗
  • eligibility: Founder Shield markets R&W insurance to private equity and other financial sponsors, strategic buyers, corporate sellers divesting a business unit, and family-owned businesses being sold. Representations and Warranties Insurance product page.company-reportedSource ↗
  • coverage: Founder Shield lists financial-statement misstatements, undisclosed tax liabilities, legal or regulatory non-compliance, and undisclosed contracts or leases as the kinds of seller misrepresentations the policy can cover, mostly on the buyer side. Product page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • limits: Founder Shield's page does not publish specific limit figures; it says premiums are typically a percentage of the negotiated policy limit, which is set per transaction. Representations and Warranties Insurance product page, checked 2026-09-23.not-disclosedSource ↗
  • insurer: Founder Shield says it places policies, including Founder Shield Representations and Warranties 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. General carrier-selection FAQ, not specific to this line's placements.company-reportedSource ↗
  • application: You request Founder Shield Representations and Warranties 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. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.company-reportedSource ↗Source ↗

HUB International

  • role: HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes representations and warranties insurance as covering the contractual guarantees a seller makes in a sale agreement, protecting a buyer against the guarantees turning out to be untrue, and says it can reduce or eliminate escrow requirements and support more competitive bidding. Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • coverage: HUB's M&A practice also offers litigation buyout (contingent risk) insurance for pending litigation a seller faces, and tax indemnification insurance for the tax treatment of a historical, pending or future transaction, alongside representations and warranties coverage. Product-page description of related transactional risk products.company-reportedSource ↗
  • eligibility: The M&A insurance page frames this coverage around buyers and sellers in a business sale but does not publish deal-size thresholds, industries served, or other eligibility criteria. Checked the M&A insurance page on 2026-09-23.not-foundSource ↗
  • insurer: The M&A insurance page does not name an issuing insurer; HUB places representations and warranties coverage with insurers that vary by transaction. Checked the M&A insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • application: HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. Product-page call to action as read 2026-09-23.company-reportedSource ↗

What Are the Key Differences Between Founder Shield and HUB International Representations and Warranties Insurance?

Stated Insurer Standard vs Deal-by-Deal Negotiation

Both are brokers. Founder Shield takes R&W requests on its website or through an advisor and places only with insurers rated A- or better by AM Best. It names private equity and other sponsors, strategic buyers, corporate sellers of a business unit, and family-owned businesses, and says premiums are typically a percentage of the limit you negotiate. HUB's M&A practice negotiates cover deal by deal, doesn't name insurers or a rating floor, and publishes no deal-size or industry criteria. Choose Founder Shield if you want a known insurer-quality floor and clear pricing basis; choose HUB if escrow and bid terms matter most or you also need tax or litigation cover. [5] [4] [6] [7]

Named Breach Types vs Escrow and Companion Products

Founder Shield lists the seller misrepresentations R&W covers, mostly for buyers: misstated financial statements, undisclosed tax, legal or regulatory non-compliance, and undisclosed contracts or leases. HUB says R&W protects a buyer if the seller's guarantees prove untrue, can reduce or eliminate escrow, and helps you bid more competitively. HUB also sells litigation buyout insurance for pending suits against the seller and tax indemnification for past, pending or future transactions; Founder Shield doesn't list either. [6] [7]

What Should You Confirm in Founder Shield and HUB International Representations and Warranties Insurance Quotes?

  • Ask both which insurer would issue the policy. [5] [7]
  • Ask both how the policy changes escrow and holdbacks, and which misrepresentation types are covered. [7] [6]
  • Ask HUB whether litigation buyout or tax indemnification is on the same placement. [7]
  • Compare premium as a percentage of limit, and the retention. [6] [7]

Founder Shield places R&W only with insurers rated A- or better and spells out what it covers, such as misstated financials and undisclosed tax or contracts; HUB's M&A brokers use R&W to reduce or eliminate escrow and strengthen your bid, and can add litigation buyout and tax indemnification.

Sources reviewed

  1. 01
    Mergers & Acquisitions

    Beazley · Product overview: buyer and seller protection for inaccuracies in representations or warranties · accessed 2026-09-16

  2. 02
    Transaction liability insurance | Representation and indemnities insurance

    CFC · What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers · accessed 2026-09-16

  3. 03
    Transactional Risk Insurance

    Coverdash · Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products · accessed 2026-09-16

  4. 04
    About Us

    Founder Shield · “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission · accessed 2026-09-23

  5. 05
    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

  6. 06
    Representations and Warranties Insurance

    Founder Shield · What Is Reps & Warranties Insurance?; Who Needs Reps & Warranties Insurance Coverage?; What Does Reps & Warranties Insurance Cover? · accessed 2026-09-23

  7. 07
    Mergers & Acquisitions (M&A) Insurance Broker

    HUB International · M&A/Transactional Risk Insurance overview; Representations & Warranties Insurance section; Litigation Buyout Insurance section; Tax Indemnification Insurance section; Connect With a Broker · accessed 2026-09-23

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