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. 1,2
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 4,5,6,7
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Surety Bonds page
What Are Surety Bonds?
A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. 9,10,11,12,13
Key Differences in Surety Bonds
Match the bond form to the project
Baldwin describes contract, commercial, court and fidelity bonds, including bid, performance/payment, maintenance, license and subdivision forms. Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds. Contractors should compare the obligee’s exact wording against these lists: related labels do not establish identical forms, and Baldwin notes obligations depend on the requested bond and project. 3 8
Program building and project delivery
Baldwin says it helps establish bonding programs, prepare applications and connect clients with surety markets. BHSI specifically says its surety team supports public-private partnership and project-delivery arrangements, with target accounts ranging from regional to global contractors and suppliers. A contractor on a complex delivery model can weigh those stated services, while recognizing that BHSI capacity and bond approval depend on underwriting. 3 8
What to Confirm in Surety Bonds 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.
The 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 reviewsBerkshire Hathaway Specialty Insurance
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsOffering Details
The Baldwin Group vs Berkshire Hathaway Specialty Insurance: Surety Bonds: documented features by provider
| Criteria | Baldwin Surety Bond Brokerage and Advisory | U.S. Surety |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Surety Bond. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 3Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. | Confirm in your quote. |
| Who It’s For | Baldwin serves construction and commercial businesses, naming contractors, specialty trades, infrastructure contractors, auto dealers, freight brokers, private equity, homebuilders, real estate, manufacturers and oil and gas among its audiences. 3Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | BHSI names regional, national and global contractors and construction suppliers or service firms among its target accounts. 8Company-reported. A target description does not establish approval, bonding capacity or qualification for a particular contract. |
| Coverage Features | Baldwin describes contract, commercial, court and fidelity bond categories, and lists bid, performance/payment, maintenance, license and subdivision bonds. Bond obligations depend on the bond form, obligee and requested project. 3Company-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. | BHSI lists performance, payment, advance-payment, maintenance, supply and warranty bonds. 8Company-reported. The catalogue identifies bond types; actual obligations are set by each bond form, principal, obligee and governing jurisdiction. BHSI lists performance, payment, advance-payment, maintenance, supply and warranty bonds as separate bond types. 8Company-reported. Each bond carries its own obligation; the product list does not establish bond form terms or approval. |
| Limits and Retentions | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. 3Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. | Confirm in your quote. |
| Risk Services | Baldwin describes establishing bonding programs, securing project bonds, improving capacity, connecting clients with surety markets and helping prepare applications. Its request form asks for project and financial documents. 3Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | BHSI says its surety team supports public-private partnership and project-delivery arrangements. 8Company-reported. The page does not specify the scope or availability of that support for an individual account. |
Full Comparison
More The Baldwin Group vs Berkshire Hathaway Specialty Insurance Comparisons
Other Surety Bonds Comparisons
Sources
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.
- Surety Bond Insurance for Construction & Commercial Sectors. The Baldwin Group; Surety advisor/client/insurer relationship descriptions lines 40–58; bond functions, bond forms and business sectors in “Surety Snapshot” and “Industry Coverage,” lines 60–150; accessed 2026-09-29. Accessed 2026-09-30.
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Surety. Berkshire Hathaway Specialty Insurance; Retained canonical source record locator: U.S. Surety product highlights list performance, payment, advance-payment, maintenance, supply and warranty bonds; target contractors and construction suppliers/services; lines 6–32. Prior access 2026-09-28; direct re-open failed in this session. Accessed 2026-09-28.
Surety Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
- Surety bonds. U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
- 40 U.S. Code § 3131 — Bonds of contractors of public buildings or works. Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
- Surety Bonds. Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
- Surety Bonds Insurance. Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance? Accessed 2026-09-16.
