Foundershield vs Hub International: Telehealth Insurance

Founder Shield brokers virtual care and telehealth insurance through third-party carriers. HUB International arranges virtual-care coverage packages, including professional, technology, cyber, and management liabilities, and helps identify exposure gaps.

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

Founder Shield names virtual-consultation malpractice and informed-consent claims and places cover with A- or better carriers; HUB can arrange a wider package including cyber, D&O and EPL, and flags Patient Compensation Fund states.

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

Broker Access and Insurer Rating

Founder Shield is a brokerage that places telehealth coverage with carriers rated A- or better by AM Best. HUB’s page describes its healthcare practice arranging virtual-care coverage; it does not identify insurers for this line. Ask HUB which carrier would insure each part of your program. [4] [5] [7]

Telehealth Claim Examples

Founder Shield lists malpractice claims arising from virtual consultations, privacy breaches, technology failures affecting patient care, licensing issues and failures to obtain informed consent. This gives telehealth providers concrete scenarios to compare against HUB’s quoted wording. [6] [7]

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

  • Ask Founder Shield which A- or better carrier is quoting and whether informed-consent claims are on the form. [5] [6]
  • Ask HUB which insurers quote each line and whether Patient Compensation Fund rules apply. [7]
  • Confirm whether D&O or EPL is included in HUB’s package versus a separate Founder Shield placement. [7]
  • Check HUB’s COVID-19 exclusion flag against the malpractice wording Founder Shield describes. [7] [6]

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 Virtual Care, Telehealth, and Telemedicine 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 this line to telehealth companies, hospitals and clinics offering remote services, digital health startups, and individual practitioners who see patients virtually. Virtual Care, Telehealth, and Telemedicine Insurance product page.company-reportedSource ↗
  • coverage: 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. Product page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • 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. General carrier-selection FAQ, not specific to this line's placements.company-reportedSource ↗
  • application: 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. 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 a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • 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. Product-page coverage list; the issued policies and their exclusions control an actual claim.company-reportedSource ↗
  • eligibility: 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. Product-page eligibility framing; not a published underwriting appetite by state or care specialty.company-reportedSource ↗
  • coverage: 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. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy.company-reportedSource ↗
  • services: HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. Product-page service description; a company-reported capability.company-reportedSource ↗
  • insurer: 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. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗

Sources reviewed

  1. 01
    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

  2. 02
    Digital health insurance | 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

  3. 03
    Telehealth FAQs

    Florida Department of Health · What is telehealth?; Out-of-State Telehealth Provider registration; Maintain liability coverage or financial responsibility for telehealth services provided to patients in Florida; Florida licensee treating patients outside Florida must review the laws in the location of the patient · 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
    Virtual Care, Telehealth, and 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. 07
    Virtual Care Insurance Brokerage Coverage

    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

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