AIG vs The Baldwin Group

AIG’s Surplus Lines section says its commercial insurance solutions serve small, middle-market, and large enterprises. The same section separately describes Lexington Casualty as an experienced excess-and-surplus-lines casualty provider; it does not explicitly assign all three customer-size segments to Lexington Casualty. ³Company-reported. AIG’s published Surplus Lines section; customer-size statement and Lexington Casualty description are adjacent but not explicitly attributed to the same business. This does not establish a provider-wide customer focus or product-specific issuer.

Baldwin’s 2025 Form 10-K says its Insurance Advisory Solutions group provides commercial risk-management and employee-benefits solutions for businesses and private-risk management for high-net-worth individuals and their families. Separately, it describes the consolidated group’s clients as individuals, professionals, businesses including niche industries, and specialty insurers. ¹⁶Company-reported. Customer categories reported for the consolidated group and its Insurance Advisory Solutions operation; not a statement that every Baldwin unit serves each segment or that all businesses qualify for a particular product.

Baldwin says its commercial site has dedicated Centers of Excellence and Practice Groups focused on specific needs and lists industries including aviation and aerospace, construction, energy, financial institutions, healthcare, manufacturing, real estate, retail and wholesale, technology, and transportation. These company-described examples are non-exhaustive and do not establish product availability or eligibility. ¹⁹Company-reported. Industries publicly listed on Baldwin's commercial-insurance industry page; examples are non-exhaustive and do not establish eligibility for a particular policy.

AIG lists a North America myAIG portal for brokers and agents to access loss runs, policy documents, applications, and tools, and a separate U.S. portal for producer appointment requests. The public pages do not establish that a business can complete an online purchase or bind coverage directly. ⁴Company-reported. Publicly listed North America broker/agent portal functions and U.S. producer appointment requests. Authenticated workflow and product-specific submission or binding steps were not reviewed.

Baldwin’s business-insurance quote page shows a three-step online intake. Its visible first step asks for a revenue band, company and headquarters details, and contact information; the “Get a quote” link points to app.foundershield.com. Baldwin’s business page and contact page also invite prospects to speak with an advisor. The reviewed evidence does not establish a completed quote, purchase, or policy bind through this route. ^20,21,18,22Company-reported. The specific business-insurance quote page inspected on September 28, 2026; the first of three steps was visible and its quote link pointed to app.foundershield.com. Do not generalize this route to all Baldwin commercial prospects or products.

AIG lists its North America broker portal as a place for brokers and agents to access loss runs, policy documents, applications, and tools. The page does not explain how renewals are managed or promise renewal terms or timing. ⁴Company-reported. Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.

For business insurance, Baldwin describes a five-step RiskMap process: insurance analysis, risk identification, insurance strategy, data-informed decisions, and continual assessment and optimization as risks evolve. ¹⁸Company-reported. The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.

Baldwin's contact page provides an existing-policy assistance route that asks for the policy type and the customer's US state, and links to a client portal. The page also directs business-insurance prospects to speak with an advisor. ²²Company-reported. Public contact and service entry points on Baldwin's US-facing site; portal capabilities and service timing were not established by the page.

AIG says its companies compensate brokers and independent agents with commissions set at policy purchase, renewal, placement, or servicing, and may also pay contingent compensation. Specific compensation varies; the disclosure directs buyers to their broker or agent for policy-specific information. ⁶Company-reported. AIG's disclosure for business placed by brokers and independent agents with U.S. AIG offices issuing policies in the United States and territories for specified lines; its ranges describe business written in 2024 and exclude stated categories. Not a statement of any buyer's commission or total insurance cost.

In a disclosure effective January 1, 2026, The Baldwin Group says compensation may include insurer-paid commissions, negotiated client fees, and contingent commissions tied to goals measured across a book of business. It also describes separate compensation for certain insurer-partner administration, claims, wholesaling, and managing-general-agent services, among other arrangements. The disclosure is group-wide and does not say which arrangements apply to a particular policy. ¹⁷Company-reported. The Baldwin Group's group-level compensation disclosure effective January 1, 2026; not the fee or commission terms for a specific commercial account, affiliate, insurer, or placement.

AIG says insureds and brokers can report primary property or casualty claims online for Auto Liability, General Liability, Property, and Aerospace, attach documents, and track adjuster assignment and claim closure. AIG says options vary by line and country. ⁵Company-reported. AIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation.

Baldwin says its claims-advocacy team works with clients, their claim service providers, and other partners before, during, and after a loss to help manage claims and consider resolution strategies. This describes an advocacy service, not who decides coverage or pays a particular claim. ²³Company-reported. Company-described commercial claims-advocacy service; it does not establish that Baldwin is the insurer or claim decision-maker for a policy, or guarantee a claim outcome.