Aon vs 
The Baldwin Group: How Do They Compare for Cyber Insurance?
What Is Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 1,2
What Is the Baldwin Group?
Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. 4,5
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 7,8
Key Differences in Cyber Insurance
Coverage menu and placement-specific terms
Aon says it reviews cyber offerings because insurer terms vary and describes brokerage rather than a standard policy. The Baldwin Group lists typical policy components such as breach notification, interruption, data recovery, extortion, fraud, network claims, regulatory defense, media liability and forensics, while warning that terms and sublimits depend on the policy. Buyers can use that menu to identify needs, then check each item against the proposed declarations and endorsements. 3 6
Risk services and response relationships
Aon describes claims advocacy and relationships with third-party response providers; their contracts are separate and referral remuneration may occur. The Baldwin Group lists risk assessment, peer benchmarking, employee training, incident response and claims advocacy. Buyers should ask who delivers each service, whether it costs extra and whether it remains available after a claim, since the summaries do not set account-specific service terms. 3 6
What to Confirm in Cyber Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Aon
Review Score
3 rated sources
Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]
Read Aon reviewsThe Baldwin Group
Review Score
No reviews found
The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.[8][1][2][4][9][10]
Read The Baldwin Group reviewsOffering Details
Aon vs The Baldwin Group: Cyber Insurance: documented features by provider
| Criteria | Aon Cyber brokerage and risk-advisory offering | Cyber Advisory and Coverage Options |
|---|---|---|
| Role in This Line | Aon describes cyber insurance brokerage and risk-advisory services. It is not identified as the risk-bearing insurer, and the global page does not name the carrier for a particular placement. 3Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance. | Confirm in your quote. |
| Issuing Insurer | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. 3Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available. | Confirm in your quote. |
| Who It’s For | Aon describes cyber services for organizations managing cyber risk. Its global practice page does not publish a complete industry, revenue, security-control or state-by-state eligibility schedule. 3Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state. | Confirm in your quote. |
| Coverage Features | Aon describes cyber insurance as one part of cyber risk financing and says it reviews policy offerings because terms and conditions vary. For professional-services firms, it discusses coordinating cyber and professional-liability coverage. This is brokerage guidance and does not establish the terms of any cyber policy. 3Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control. | The Baldwin Group says typical cyber policies may include breach response and notification costs, business interruption and data recovery, extortion and fraud, third-party network claims, regulatory defense, media liability, and forensic costs. Actual terms, sublimits, and exclusions depend on the policy. 6Company-reported. Educational examples of typical policy coverages, not a promise of coverage under a buyer’s policy. |
| Limits and Retentions | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. 3Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed. | Confirm in your quote. |
| Risk Services | Aon describes cyber claims advocacy and preparation and relationships with third-party incident-response providers. The retained official source notes that provider contracts are separate, no performance guarantee is made, and referral remuneration may occur; confirm the providers, scope and compensation applicable to a client. 3Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated. | The Baldwin Group describes cyber advisory services, access to coverage options, and industry partners. Its reviewed cyber page does not identify an insurer or a specific placement entity; confirm both in the quote or policy. 6Company-reported. Company-reported advisory and market-access description; no carrier, underwriting, or binding authority is established. The Baldwin Group lists cyber risk assessment and peer benchmarking, employee training and mitigation tools, incident-response and claims advocacy, and access to specialized coverage and vendors. 6Company-reported. Company-described service menu; engagement scope and outcomes are not guaranteed. |
Full Comparison
More Aon vs The Baldwin Group Comparisons
Other Cyber Insurance Comparisons
Sources
Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Cyber Risk. Aon; Global cyber risk financing/insurance overview and brokerage practice; claims preparation and advocacy, incident response providers and referral remuneration disclosures, lines 194–230 as retained in Aon’s official source record; Professional Services Practice cyber cross-reference, lines 151–156. Accessed 2026-09-30.
The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
- Business Insurance. The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
- Cyber Liability Insurance & Risk Management. The Baldwin Group; Cyber, “Proactive Defense” and “Specialized Coverage & Vendor Access” lines 18–24, services lines 63–87; Cyber FAQ typical coverages lines 92–103 and insurer policy changes lines 116–117; page accessed 2026-09-29. Accessed 2026-09-29.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
