AIG vs The Baldwin Group: How Do They Compare for Fiduciary Liability Insurance?

AIG markets Fiduciary Liability Insurance Edge and related plan-fiduciary options. AIG’s page describes insurance protection but does not identify the issuing subsidiary for a specific account. ³Company-reported. Role in this product is limited to the description on the linked AIG source.

The source describes The Baldwin Group’s brokerage or advisory role for Fiduciary Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. ^6,7Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.

AIG describes fiduciary coverage for business executives and people or entities overseeing 401(k), pension and employee welfare plans. The page does not establish eligibility for every plan sponsor or plan type. ³Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.

Baldwin identifies employee-benefit plan sponsors and fiduciaries within its professional and real-estate management-liability discussions. The pages do not state a policy eligibility schedule. ^6,7Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.

AIG says Fiduciary Edge addresses personal liability imposed on directors, officers and employees who oversee benefit plans and the sponsoring company. It describes certain penalty and compliance-program extensions subject to sublimits and policy terms. ³Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.

Baldwin describes fiduciary insurance as addressing claims against plan sponsors and fiduciaries alleging violations in plan or asset management, and lists fiduciary liability among real-estate management risks. Actual terms are policy-specific. ^6,7Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.

The page says some penalties, fees and expenses are subject to sublimits but does not publish a buyer-specific limit schedule. Confirm all sublimits and conditions in the quote and policy. ³Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.

The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. ^6,7Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources.

AIG describes specialized underwriting and claims teams and lists the IRS Audit Protector program, settlor coverage and an ACA extension as product options. Availability and scope of each option must be confirmed in the issued form. ³Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.

Baldwin describes management-liability program advice and risk assessment for its clients. The public pages do not state account-specific plan review, insurer or claims service terms. ^6,7Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.