Foundershield vs Liberty Mutual: Telehealth Insurance

Founder Shield brokers virtual care and telehealth insurance with third-party carriers. Liberty Mutual describes digital-health professional liability for virtual care delivery and has a dedicated healthcare practice for tailored liability solutions.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

What Are the Key Differences Between Founder Shield and Liberty Mutual Telehealth Insurance?

Coverage Package and State Rules

HUB brokers a virtual-care package that can include medical professional liability, technology errors and omissions, products, cyber, general liability and management liability. It also flags Patient Compensation Fund state rules and questions about virtual-care bodily injury and data security. Liberty Mutual identifies digital-health professional liability and telehealth-related liability risk but does not publish policy forms or eligible services and states. HUB’s record maps more coverage categories and specific issues to examine; compare each against Liberty Mutual’s quoted form. [6] [8]

Service Scope

HUB says it assesses operational, financial and strategic risks for virtual-care organizations. Liberty Mutual describes a dedicated healthcare practice offering tailored liability solutions but its source does not define telehealth-specific service components. Ask what services and policy lines HUB will arrange and which healthcare services Liberty Mutual’s proposal includes. [6] [8]

What Should You Confirm in Founder Shield and Liberty Mutual Telehealth Insurance Quotes?

  • Does HUB’s proposal include medical, technology, cyber and products liability, and how does it handle Patient Compensation Fund states?
  • Which virtual-care injuries, data exposures and provider types are covered by Liberty Mutual’s form?

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 ↗

Liberty Mutual

  • role: Liberty Mutual’s healthcare-liability page names digital-health professional liability for virtual and telehealth care delivery. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The source says this solution addresses liability and risks associated with virtual or telehealth care delivery; it does not publish a policy form or telehealth-specific exclusions. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The source positions the solution within healthcare liability for healthcare professionals and organizations; it does not define eligible services, states or provider types. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • services: Liberty Mutual describes a dedicated healthcare practice offering flexible, tailored liability solutions to healthcare organizations. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

HUB specifies multiple coverages and virtual-care issues to review, while Liberty Mutual’s source identifies a healthcare liability solution for telehealth.

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

  8. 08
    Healthcare liability

    Liberty Mutual Business Insurance · Opened September 29, 2026. Lines 118–120 describe US healthcare liability solutions; lines 129–144 name digital-health professional liability for virtual/telehealth care, hospital professional liability, miscellaneous medical professional liability, physician-group-practice professional liability, and other healthcare-specific solutions. The source shows a mix of specialty insurance and reinsurance; map only the explicitly named healthcare coverages and preserve each program/package scope. · accessed 2026-09-29

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