--- title: "The Baldwin Group vs Chubb" description: "Compare Baldwin’s broker and risk-advisory role with Chubb’s insurer products and agent-assisted access." canonical: "https://spot.insure/compare/baldwin-vs-chubb" page-type: "provider-comparison" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/baldwin-vs-chubb) # The Baldwin Group vs Chubb Compare Baldwin’s broker and risk-advisory role with Chubb’s insurer products and agent-assisted access. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights The Baldwin Group advises on commercial risk and places coverage through insurers, while Chubb’s underwriting companies issue its policies and buyers generally work through an agent or broker. Identify the producer, issuing company, and policy terms for the same risks before comparing these different roles. [13](https://baldwin.com/business-insurance/ "Commercial Liability Insurance & Risk Management") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### The Baldwin Group Role: Broker. Broker Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29. Read the [full reliability assessment](https://spot.insure/insurance-providers/baldwin/reliability). ### Chubb Role: Insurance carrier. Carrier & MGA Spot Score: **6.4/10** (partial score; 40% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Federal Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a statutory figure. Statutory capital, surplus and results are reported only in combination across the subsidiary group, and no current product is mapped to an issuing entity, so the issuing entity’s own resources are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://spot.insure/insurance-providers/chubb/reliability). ## The Baldwin Group Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## Chubb Reviews Review Score: 6.9 / 10 from 5 rated sources, equally weighted. Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations. - NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance) - Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com) - Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159) - ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html) - MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews). ## Introduction Baldwin is an insurance advisor and intermediary; Chubb is a group of underwriting companies that issue policies. This is the central distinction: compare Baldwin’s proposed placement and advisory service with the Chubb policy an agent can access, rather than treating the two names as equivalent insurers. Choose Chubb when its quoted form and issuing company fit your risk; choose Baldwin when you want an advisor to assess and place a broader program across markets. [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [64](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") ## Coverage Comparison | Coverage Type | The Baldwin Group | Chubb | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Listed for digital-infrastructure projects and in commercial real-estate construction risk. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") | Listed: Chubb offers builders risk insurance. [47](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [46](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue. [32](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Transportation page lists cargo insurance; it does not state a particular transit form or coverage terms. [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: Chubb offers cargo insurance. [49](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html "Worldwide Ocean Cargo Insurance") | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Listed for government-contracting, transportation and digital-infrastructure exposures. [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: Chubb offers commercial auto insurance. [42](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [32](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Listed for real-estate, professional-services and other named commercial sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: Chubb offers commercial property insurance. [40](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | | [Crime](https://spot.insure/coverage/crime) | Listed: Listed as commercial crime or crime/fidelity within specified sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations. [36](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [30](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [16](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") | Listed: Chubb offers cyber insurance. [35](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [34](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [20](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") | Listed: Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront. [38](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance") [36](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") | | [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Baldwin’s filing attributes employee-benefit services to Insurance Advisory Solutions; commercial-sector pages describe employee-benefit solutions. This is advisory/benefits scope, not a medical plan catalogue. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") | Not listed | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Listed as employment-practices liability for the named commercial sector examples. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: Chubb offers employment practices liability insurance. [36](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [39](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Listed as machinery/equipment breakdown for digital-infrastructure and transportation exposures. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: Chubb offers equipment breakdown insurance. [48](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [30](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | | [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Baldwin’s professional-services coverage snapshot lists commercial crime/fidelity bond; it does not specify bond terms or eligibility. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") | Not listed | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Listed as fiduciary liability for named commercial-sector audiences. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: Chubb offers fiduciary liability insurance. [36](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [39](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: Listed as general liability for professional-services clients and as a consideration for other named business sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: Chubb offers general liability insurance within its commercial package products. [32](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [45](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") | | [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Listed as intellectual-property liability in the professional-services coverage snapshot. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") | Not listed | | [Key person](https://spot.insure/coverage/key-person) | Listed: Listed as a benefit/insurance solution in the M&A practice context; ask which legal entity and carrier provide it. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Not listed | | [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Listed under professional and specialty risk on the real-estate page; no terms or eligibility are specified. [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") | Listed: Chubb offers kidnap and ransom insurance. [36](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [39](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | [Management liability](https://spot.insure/coverage/management-liability) | Listed: Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [20](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") | Listed: Chubb offers management liability insurance. [36](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [39](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | [Media liability](https://spot.insure/coverage/media) | Not listed | Listed: Chubb offers media liability insurance through DigiTech ERM for technology companies. [35](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") | | [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: Chubb offers product recall insurance for businesses handling finished consumer goods. [51](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Chubb Recall Plus For Consumer Goods") [53](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Listed as professional liability/E&O for professional-services and government-contractor audiences. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms. [35](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [30](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | | [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: The M&A practice says its team can negotiate and place representations-and-warranty policies. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies. [52](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Dedicated surety practice describes bond advisory/placement across contract, commercial and subdivision contexts. [23](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") | Listed: Chubb offers surety bonds. [50](https://www.chubb.com/us-en/surety.html "Surety Bonds") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies. [35](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Baldwin lists inland and ocean marine among coverages that may be considered for digital-infrastructure clients; this entry covers inland marine only. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: Chubb offers inland marine insurance. [46](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") [53](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Listed among coverages that may be considered for digital-infrastructure clients and within the M&A practice’s P&C strategy. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: Chubb offers umbrella and excess liability insurance. [41](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [32](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [14](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") | Listed: Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies. [33](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance For Small Business") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between the Baldwin Group and Chubb ### Advisor Access and Policy Issuer Chubb says most commercial buyers use an independent agent or broker, and different Chubb companies issue different placements. Baldwin’s disclosed group structure likewise does not itself identify the producer or insurer for each policy. In practice, the quote and declarations matter more than the brand-level comparison: get the licensed producer, issuing company, and form identified for every line. [54](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [55](https://www.chubb.com/us-en/contact.html "Contact Chubb") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") ### Program Scope and Account Service Baldwin describes a RiskMap advisory process and commercial practices for named sectors. Chubb lists product-specific service routes, from agent-first support to billing, renewal servicing, and document or claim-status tools for some account types. Those are different service models, and neither is automatically included for every buyer. Ask Baldwin for the advisor’s deliverables and account cadence; ask the Chubb agent which policyholder services your product and account receive. [3](https://baldwin.com/business-insurance/ "Business Insurance") [55](https://www.chubb.com/us-en/contact.html "Contact Chubb") Chubb’s buyer-facing pages do not publish rates or policy fees, while Baldwin’s group disclosure describes possible commissions, client fees, and other arrangements without mapping them to a particular policy. Compare actual premium, fees, broker compensation, payment terms, and any optional services in writing. [54](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") ## What to Confirm in Quotes For each line, compare insurer, limits, deductibles, exclusions, and endorsements on the proposed forms. Confirm who handles routine service and claim reporting, and whether the advisor or agent will assist with renewal and claims. Chubb lists around-the-clock claims reporting channels; Baldwin describes claims advocacy, but neither description guarantees a coverage decision or payment. [57](https://www.chubb.com/us-en/claims.html "Chubb Claims") [8](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/ "Risk Mitigation Services") ## Compare Services What each provider documents about the services you may need. | Criteria | The Baldwin Group | Chubb | | --- | --- | --- | | Business role | The 2025 Form 10-K describes The Baldwin Insurance Group, Inc. as an insurance distribution firm and holding-company parent and sole managing member of The Baldwin Insurance Group Holdings, LLC. That filing uses “Baldwin” for the Inc. parent and its consolidated subsidiaries and affiliates. The January 1, 2026 transparency disclosure defines “The Baldwin Group” as Holdings LLC and its affiliated entities; the September 14, 2026 investor release uses “The Baldwin Group” as the brand for the Inc. parent and affiliates. These source-specific group descriptions do not identify the licensed producer or insurer for a particular policy. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [9](https://ir.baldwin.com/news-releases/news-release-details/baldwin-group-go-private-through-majority-investment-sequence/ "The Baldwin Group to Go Private Through Majority Investment by Sequence Holdings and Dell Family Office") (Evidence: Company-reported; scope: The Baldwin Group's consolidated US and international corporate group as described in its 2025 filing; not a claim that the parent company is the licensed producer, managing general agent, or insurer for any particular policy.; verified: 2026-09-28.)

On September 14, 2026, The Baldwin Insurance Group, Inc. entered a merger agreement with The Baldwin Insurance Group Holdings, LLC (“OpCo LLC”), Square Acquisition Parent, Inc. (“Parent”), Square Acquisition Merger Sub I, Inc. (“Merger Sub”), and Square Acquisition Merger Sub II, LLC (“LLC Merger Sub”). The SEC filing says Parent is wholly owned by Sequence AI Holdings, Inc. DFO Management, LLC and affiliated investment entities committed equity financing to Parent; DFO is not identified as Parent’s owner. Subject to the agreement’s conditions, LLC Merger Sub will merge into OpCo LLC and OpCo LLC survives; Merger Sub will merge into the Company, which survives as a wholly owned subsidiary of Parent. The agreement separately calls for OpCo LLC to form Seller LLC, which forms Seller Intermediate and Seller Merger Sub; after the initial mergers, Seller Merger Sub will merge into OpCo LLC. Seller Merger Sub is distinct from Square Acquisition Merger Sub II, LLC. The filing also says that Holders, as defined in the Stockholders Agreement, of a majority of the Class B shares held by those Holders executed a written consent; approval by holders of at least a majority of outstanding voting shares remained a closing condition. On September 28, 2026, Baldwin’s site still carried the go-private announcement and its release forecast a Q1 2027 close; these sources do not establish a completed acquisition. [11](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_8k.htm "The Baldwin Insurance Group, Inc. Form 8-K dated September 14, 2026") [12](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_ex0201.htm "Agreement and Plan of Merger, dated September 14, 2026 (Exhibit 2.1 to Form 8-K)") [9](https://ir.baldwin.com/news-releases/news-release-details/baldwin-group-go-private-through-majority-investment-sequence/ "The Baldwin Group to Go Private Through Majority Investment by Sequence Holdings and Dell Family Office") [10](https://baldwin.com/ "The Baldwin Group") (Evidence: Company-reported; scope: The signed control transaction as named and described in the September 14, 2026 SEC Form 8-K and merger agreement; status retained as pending on the packet review date, September 28, 2026. DFO is identified as an equity financier to Parent, not as Parent’s owner in the reviewed filing.; verified: 2026-09-28.)

Baldwin’s License page has a “Legal Entity | CA License Number” table listing six entities and their California numbers. The page does not identify license class or current status, or map an entry to a particular product, policy, or placement. [25](https://baldwin.com/license/ "License") (Evidence: Company-reported; scope: Baldwin’s own California-number disclosure, accessed September 29, 2026; license class, current status and placement-specific authority are not stated.; verified: 2026-09-29.) | Businesses buying Chubb coverage receive a policy from a US underwriting company, not from Chubb Limited, the Swiss holding company. Chubb is the marketing name for the group’s insurance subsidiaries and related services. [64](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [27](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [50](https://www.chubb.com/us-en/surety.html "Surety Bonds") (Evidence: Verified; scope: Group identity from the 2025 Form 10-K Item 1 and U.S. website legal disclosures. The holding company is not the risk-bearing insurer on a given U.S. policy.; verified: 2026-09-16.)

Most commercial buyers need an independent agent or broker to reach Chubb; surplus-lines products require a licensed surplus-lines producer. Chubb appoints producers and operates agent portals, while Chubb Insurance Solutions Agency, Inc. administers Chubb Access appointments. [54](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [55](https://www.chubb.com/us-en/contact.html "Contact Chubb") [27](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [63](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf "Chubb New York Region Appointment Materials") (Evidence: Company-reported; scope: U.S. distribution as described on agent-access, contact and terms pages. This does not mean every independent agent is appointed for every product.; verified: 2026-09-16.) | | Application process | 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. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [3](https://baldwin.com/business-insurance/ "Business Insurance") [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. [34](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [35](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [55](https://www.chubb.com/us-en/contact.html "Contact Chubb") [56](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [37](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; verified: 2026-09-16.) | | Servicing and renewals | 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. [3](https://baldwin.com/business-insurance/ "Business Insurance") (Evidence: Company-reported; scope: The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.; verified: 2026-09-28.)

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. [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public contact and service entry points on Baldwin's US-facing site; portal capabilities and service timing were not established by the page.; verified: 2026-09-28.) | Your agent or broker is the first service contact for most Chubb policies. Chubb also offers billing and policy support for eligible small-business accounts, renewal servicing for lower-midmarket clients and Worldview document, certificate and claims-status tools for multinational accounts. [55](https://www.chubb.com/us-en/contact.html "Contact Chubb") [44](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html "Lower Midmarket Insurance Solutions") [52](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") [29](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [43](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html "Customarq Package Insurance Policy") (Evidence: Company-reported; scope: Company-described servicing channels. Staffing and engineer counts are company-reported. Which services apply depends on product, account size and appointment.; verified: 2026-09-16.) | | Fees and compensation | 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. [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | Ask your agent about premium, commissions and fees before choosing a quote: buyer-facing Chubb pages do not publish rates or policy fees, while inland-marine engineering beyond included loss control is fee-for-service. [54](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [32](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [35](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [46](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") (Evidence: Not publicly disclosed; scope: Public U.S. commercial pages listed as sources. Absence of a published schedule is not a finding that coverage is free or that producers are unpaid.; verified: 2026-09-16.) | | Claims assistance | 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. [8](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/ "Risk Mitigation Services") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | You can report claims around the clock through Chubb’s claim line, cyber hotline and product-specific email; eligible small-commercial policyholders can also upload documents in the portal. Published satisfaction figures are company surveys, not a guarantee about your claim. [57](https://www.chubb.com/us-en/claims.html "Chubb Claims") [58](https://www.chubb.com/us-en/claims/report-claim.html "Report A Claim") [59](https://www.chubb.com/us-en/claims/online-mobile-tools.html "Online & Mobile Claims Tools") [34](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [55](https://www.chubb.com/us-en/contact.html "Contact Chubb") (Evidence: Company-reported; scope: U.S. claims contact and portal descriptions. Portal access may be limited for policies underwritten by certain Chubb companies. No independent claims-outcome review was performed.; verified: 2026-09-16.) | ## Related Reading - [What Is the Baldwin Group?](https://spot.insure/insurance-providers/baldwin) - [What Is Chubb?](https://spot.insure/insurance-providers/chubb) ## Related Comparisons - [AIG vs The Baldwin Group](https://spot.insure/compare/aig-vs-baldwin) - [AIG vs Chubb](https://spot.insure/compare/aig-vs-chubb) - [Alliance Risk vs The Baldwin Group](https://spot.insure/compare/alliance-risk-vs-baldwin) - [Alliance Risk vs Chubb](https://spot.insure/compare/alliance-risk-vs-chubb) - [Amelia Risk vs The Baldwin Group](https://spot.insure/compare/amelia-risk-vs-baldwin) - [Amelia Risk vs Chubb](https://spot.insure/compare/amelia-risk-vs-chubb) - [Aon vs The Baldwin Group](https://spot.insure/compare/aon-vs-baldwin) - [Aon vs Chubb](https://spot.insure/compare/aon-vs-chubb) - [Armilla vs The Baldwin Group](https://spot.insure/compare/armilla-vs-baldwin) - [Armilla vs Chubb](https://spot.insure/compare/armilla-vs-chubb) - [At-Bay vs The Baldwin Group](https://spot.insure/compare/at-bay-vs-baldwin) - [At-Bay vs Chubb](https://spot.insure/compare/at-bay-vs-chubb) - [The Baldwin Group vs Beazley](https://spot.insure/compare/baldwin-vs-beazley) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance) - [The Baldwin Group vs biBerk](https://spot.insure/compare/baldwin-vs-biberk) - [The Baldwin Group vs CFC](https://spot.insure/compare/baldwin-vs-cfc) - [The Baldwin Group vs CNA](https://spot.insure/compare/baldwin-vs-cna) - [The Baldwin Group vs Coalition](https://spot.insure/compare/baldwin-vs-coalition) - [The Baldwin Group vs Corgi](https://spot.insure/compare/baldwin-vs-corgi) - [The Baldwin Group vs Coterie Insurance](https://spot.insure/compare/baldwin-vs-coterie) - [The Baldwin Group vs Counterpart](https://spot.insure/compare/baldwin-vs-counterpart) - [The Baldwin Group vs Coverdash](https://spot.insure/compare/baldwin-vs-coverdash) - [The Baldwin Group vs Cowbell](https://spot.insure/compare/baldwin-vs-cowbell) - [The Baldwin Group vs Embroker](https://spot.insure/compare/baldwin-vs-embroker) - [The Baldwin Group vs Founder Shield](https://spot.insure/compare/baldwin-vs-foundershield) - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb) - [Berkshire Hathaway Specialty Insurance vs Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb) - [biBerk vs Chubb](https://spot.insure/compare/biberk-vs-chubb) - [CFC vs Chubb](https://spot.insure/compare/cfc-vs-chubb) - [Chubb vs CNA](https://spot.insure/compare/chubb-vs-cna) - [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition) - [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi) - [Chubb vs Coterie Insurance](https://spot.insure/compare/chubb-vs-coterie) - [Chubb vs Counterpart](https://spot.insure/compare/chubb-vs-counterpart) - [Chubb vs Coverdash](https://spot.insure/compare/chubb-vs-coverdash) - [Chubb vs Cowbell](https://spot.insure/compare/chubb-vs-cowbell) - [Chubb vs Embroker](https://spot.insure/compare/chubb-vs-embroker) - [Chubb vs Founder Shield](https://spot.insure/compare/chubb-vs-foundershield) ## Sources ### [The Baldwin Group Official Website](https://baldwin.com/business-insurance/) 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). 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. 2. [Transparency & Disclosure](https://baldwin.com/transparency-disclosure/). The Baldwin Group; Effective January 1, 2026, opening definition, line 37; compensation disclosures, lines 45–68; accessed 2026-09-28. Accessed 2026-09-28. 3. [Business Insurance](https://baldwin.com/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. 4. [Business Insurance Industries](https://baldwin.com/business-insurance/industries/). The Baldwin Group; “Tailored commercial risk strategies,” lines 21–23; industry spotlights lines 26–170; accessed 2026-09-28. Accessed 2026-09-28. 5. [Business Insurance Quote](https://baldwin.com/business-insurance/quote/). The Baldwin Group; Step 1 of 3, lines 20–34; “Get a quote” link destination at line 33; company/headquarters/contact/consent fields lines 35–79; accessed 2026-09-28. Destination content not inspected. Accessed 2026-09-28. 6. [Innovation Economy](https://baldwin.com/business-insurance/solutions/innovation-economy/). The Baldwin Group; Current page opening: “Innovation Practice”; lines 19–23 describe The Baldwin Group’s Innovation Practice and link “Connect with us” to foundershield.com. No “innovation arm” statement appears on the reopened page. Accessed 2026-09-28. 7. [Contact Us](https://baldwin.com/contact-us/). The Baldwin Group; Business Insurance advisor route, lines 42–46; existing-policy assistance questions and client portal link, lines 80–110; accessed 2026-09-28. Accessed 2026-09-28. 8. [Risk Mitigation Services](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/). The Baldwin Group; Risk Mitigation; Claims Advocacy. Accessed 2026-09-28. 9. [The Baldwin Group to Go Private Through Majority Investment by Sequence Holdings and Dell Family Office](https://ir.baldwin.com/news-releases/news-release-details/baldwin-group-go-private-through-majority-investment-sequence/). The Baldwin Group Investor Relations; September 14, 2026 release; transaction announcement and highlights, lines 36 and 49–51; “About The Baldwin Group” brand definition, lines 64–66; accessed 2026-09-28. Accessed 2026-09-28. 10. [The Baldwin Group](https://baldwin.com/). The Baldwin Group; Current header banner: The Baldwin Group to go private; linked CEO message. Accessed 2026-09-28. 11. [The Baldwin Insurance Group, Inc. Form 8-K dated September 14, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_8k.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Item 1.01, Agreement and Plan of Merger parties/transaction structure at lines 76–83; Parent ownership and DFO equity financing at lines 80–81; closing conditions at lines 115–117; Exhibit 2.1 at lines 230–240. Accessed 2026-09-28. 12. [Agreement and Plan of Merger, dated September 14, 2026 (Exhibit 2.1 to Form 8-K)](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_ex0201.htm). The Baldwin Insurance Group, Inc.; filed as an exhibit with the U.S. Securities and Exchange Commission; Exhibit 2.1 preamble, lines 204–205; recitals, lines 209–210; initial merger sections 2.02–2.03, lines 707–745; Second LLC Merger section 2.10, lines 835–840; accessed 2026-09-28. Accessed 2026-09-28. 13. [Commercial Liability Insurance & Risk Management](https://baldwin.com/business-insurance/). The Baldwin Group; Business Insurance, lines 71–83: commercial coverage experts; Cyber coverage solution; additional coverage tiles continue below; page accessed 2026-09-29. Accessed 2026-09-29. 14. [Workers’ Compensation Insurance](https://baldwin.com/business-insurance/solutions/workers-comp/). The Baldwin Group; “Workers’ compensation, in focus,” lines 33–49; “Risk Reduction,” lines 63–76; coverage services, insurance-market access and dedicated claims advocates; accessed 2026-09-29. Accessed 2026-09-29. 15. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/digital-infrastructure/). The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29. Accessed 2026-09-29. 16. [Cyber Liability Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/cyber/). The Baldwin Group; Opening and expertise lines 19–38; FAQ coverage examples lines 90–100; incident-response support and insurer/partner access; accessed 2026-09-29. Accessed 2026-09-29. 17. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29. Accessed 2026-09-29. 18. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-services/). The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. Accessed 2026-09-29. 19. [Government Contractor Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/government/). The Baldwin Group; GovCon customer/service description lines 21–33; GovTech collaboration, customer scope and coverage considerations lines 93–111; risk-mitigation service lines 113–118; accessed 2026-09-29. Accessed 2026-09-29. 20. [Directors & Officers Liability Insurance](https://baldwin.com/business-insurance/solutions/management-liability/). The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29. Accessed 2026-09-29. 21. [Transportation Insurance & Risk Management](https://baldwin.com/business-insurance/industries/transportation/). The Baldwin Group; Transportation advisors and partner market access lines 42–48; RiskMap and program reviews lines 53–75; listed line options lines 86–113; fleet risk resources lines 118–131; Employee benefits lines 133–173; accessed 2026-09-29. Accessed 2026-09-29. 22. [M&A, Private Equity & VC Risk Management](https://baldwin.com/business-insurance/solutions/private-equity/). The Baldwin Group; Transactional-risk insurance and placement claims lines 72–80; P&C line list lines 101–116; accessed 2026-09-29. Accessed 2026-09-29. 23. [Surety Bond Insurance for Construction & Commercial Sectors](https://baldwin.com/business-insurance/solutions/surety/). 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 2026-09-29. 24. [Locations](https://baldwin.com/locations/). The Baldwin Group; “Find a location,” lines 17–21: company says office teams serve clients nationally in all 50 states; office listing starts at line 28. Accessed 2026-09-29; location presence/service listing does not prove a state agency license or a line’s availability. Accessed 2026-09-29. 25. [License](https://baldwin.com/license/). The Baldwin Group; Table headed “Legal Entity | CA License Number”, six entries, page lines 17–24; accessed 2026-09-29. Accessed 2026-09-29. ### [Chubb Official Website](https://www.chubb.com/us-en/) 26. [Insurance For Individuals & Businesses](https://www.chubb.com/us-en/). Chubb; Businesses; Get a quote; claims statistics; insurance products and client services. Accessed 2026-09-16. 27. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 28. [Commercial Insurance](https://www.chubb.com/us-en/business-insurance.html). Chubb; Industry practices; small businesses, middle market, large and multinational segments; claims paid and satisfaction figures. Accessed 2026-09-16. 29. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16. 30. [Insurance For Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-16. 31. [Technology Services And Consulting Insurance Solutions](https://www.chubb.com/us-en/business-insurance/technology-services-consulting.html). Chubb; Property & casualty and financial-lines coverage solutions lists. Accessed 2026-09-16. 32. [Business Owner’s Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue and 500+ classes including technology; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution: umbrella, workers’ compensation, commercial auto, ForeFront and Cyber ERM/DigiTech ERM. Accessed 2026-09-16. 33. [Workers' Compensation Insurance For Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small-business workers’ compensation for one employee through $30M revenue; claims-service descriptions; supporting products. Accessed 2026-09-16. 34. [Cyber Insurance For Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Agent quoting via Chubb Marketplace and Cyber Central; policyholder incident-response hotline and Cyber Alert app. Accessed 2026-09-16. 35. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16. 36. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; ForeFront Portfolio introduction; available coverages for private, not-for-profit and healthcare organizations: D&O, EPL, fiduciary, employed lawyers, crime, kidnap/ransom and workplace violence expense. Accessed 2026-09-16. 37. [ForeFront Portfolio 3.0 For Private Companies](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html). Chubb; Coverage highlights for private companies; contact-an-agent quote prompt; New Jersey application note. Accessed 2026-09-16. 38. [ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html). Chubb; Opening description: D&O and Entity Liability for smaller privately held companies; listed coverage features. Accessed 2026-09-16. 39. [Management Liability Insurance](https://www.chubb.com/us-en/business-insurance/management-liability.html). Chubb; Public, private/not-for-profit and financial-institution management liability products; fiduciary, crime, kidnap/ransom, workplace violence and employment practices. Accessed 2026-09-16. 40. [Commercial Property Insurance](https://www.chubb.com/us-en/business-insurance/property-product.html). Chubb; Monoline, multi-line and large/complex property offerings; technology listed among served industries; Risk Consulting. Accessed 2026-09-16. 41. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella and excess for smaller through multinational accounts; Express Umbrella portal for appointed brokers. Accessed 2026-09-16. 42. [Commercial Auto Insurance](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html). Chubb; Commercial auto product; technology among served industries. Accessed 2026-09-16. 43. [Customarq Package Insurance Policy](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html). Chubb; Midsize package combining property and liability; supporting excess, cyber, cargo, workers’ compensation and commercial auto. Accessed 2026-09-16. 44. [Lower Midmarket Insurance Solutions](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html). Chubb; Agent-facing lower-midmarket suite including Benchmarq package, financial lines, cyber on Marketplace, surety; technology among appetite SIC codes; quoting through issuance, servicing and renewals. Accessed 2026-09-16. 45. [Environmental Insurance Coverage & Services](https://www.chubb.com/us-en/business-insurance/environmental.html). Chubb; Premises and contractor pollution, TankSafe, GL Plus combining CGL with products and premises pollution and supported umbrella. Accessed 2026-09-16. 46. [Inland Marine Insurance](https://www.chubb.com/us-en/business-insurance/inland-marine.html). Chubb; Inland marine policy overview; builders’ risk, contractors equipment and related tools. Accessed 2026-09-16. 47. [Builders' Risk Insurance](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html). Chubb; Builders’ risk coverage list and target clients; agent submission requirements. Accessed 2026-09-16. 48. [Equipment Breakdown Insurance](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html). Chubb; Monoline and package equipment-breakdown coverage; electronics among target clients. Accessed 2026-09-16. 49. [Worldwide Ocean Cargo Insurance](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html). Chubb; Ocean, air and overland cargo coverages; agent submission path. Accessed 2026-09-16. 50. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction, commercial, transactional and international surety; footer identifying Chubb as marketing name and ACE American as an issuing company; products may not be available in all states. Accessed 2026-09-16. 51. [Chubb Recall Plus For Consumer Goods](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Recall Plus for Consumer Goods introduction; limits; Client Profile, including electronics among target finished products; Restricted Classes. Accessed 2026-09-16. 52. [Multinational Insurance Coverage And Solutions For Large Accounts](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html). Chubb; Core and specialty coverages, including Specialty Coverage: Representations & Warranties, inland marine, professional liability and ESIS; large US and Canadian multinational companies; Worldview servicing platform; work with clients and brokers. Accessed 2026-09-16. 53. [Excess And Surplus Insurance (E&S Insurance)](https://www.chubb.com/us-en/business-insurance/excess-surplus.html). Chubb; Westchester E&S portfolio; Westchester Fire admitted description; Westchester Surplus Lines eligible in 49 states; paper including Illinois Union and ACE companies. Accessed 2026-09-16. 54. [Get Access To Chubb](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html). Chubb; Direct appointments for independent agents and brokers; competitive commissions; 200+ products. Accessed 2026-09-16. 55. [Contact Chubb](https://www.chubb.com/us-en/contact.html). Chubb; Agent as first contact; claims numbers including cyber; Small Business policy service and Marketplace technical support; Federal Insurance Company and ACE American claims contacts. Accessed 2026-09-16. 56. [Chubb Insurance In The U.S.](https://www.chubb.com/us-en/contact-us.html) Chubb; Personal Lines find-an-agent; Small Business quote inquiries directed to chubbsmallbusiness.com; commercial agent callback 1-800-682-4822. Accessed 2026-09-16. 57. [Chubb Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims contact center; client-satisfaction figure for clients with a paid claim; North America claims staffing figure. Accessed 2026-09-16. 58. [Report A Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Phone and email first-notice contacts including small commercial, cyber, financial lines and workers’ compensation. Accessed 2026-09-16. 59. [Online & Mobile Claims Tools](https://www.chubb.com/us-en/claims/online-mobile-tools.html). Chubb; Small Commercial Business client portal claim reporting and document upload; access may be limited for policies underwritten by certain Chubb companies. Accessed 2026-09-16. 60. [About Chubb In The U.S.](https://www.chubb.com/us-en/about-chubb-in-the-us.html) Chubb; U.S. executive leadership and 44 branch locations. Accessed 2026-09-16. 61. [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf). Chubb; Federal Insurance Company (Indiana NAIC 20281) admitted P&C in all 50 states; ACE American (Pennsylvania NAIC 22667) admitted P&C in all 50 states; Westchester Surplus Lines Insurance Company eligible/approved surplus lines outside Georgia domicile. Accessed 2026-09-16. 62. [Chubb Insurance Solutions Agency License Information](https://prs-portalassets.chubb.com/chubbaccess/Agency%20License%20Information%20link.pdf). Chubb; Statement that Chubb Insurance Solutions Agency is licensed in all 50 states; resident NJ license 2853751; California license 969601. Accessed 2026-09-16. 63. [Chubb New York Region Appointment Materials](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf). Chubb; Chubb Access appointments administered by Chubb Insurance Solutions Agency, Inc.; surplus lines sold only through licensed surplus lines producers; products may not be available in all states. Accessed 2026-09-16. 64. [Chubb Limited Form 10-K For The Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm). U.S. Securities and Exchange Commission / Chubb Limited; Item 1 Business: Swiss-incorporated holding company headquartered in Zurich; global insurance and reinsurance organization; operations in 54 countries and territories; commercial P&C including D&O and specialty casualty. Accessed 2026-09-16. 65. [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm). U.S. Securities and Exchange Commission / Chubb Limited; ACE American Insurance Company; Federal Insurance Company group companies; Chubb Excess and Surplus Insurance Services Inc. (California); Chubb INA Holdings LLC. Accessed 2026-09-16. 66. [California Company Profile: Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile). California Department of Insurance; NAIC 20281; California Company ID 0059-6; date authorized 12/18/1902; license status Unlimited-Normal; company type Property & Casualty; domicile Indiana; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16. 67. [California Company Profile: ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile). California Department of Insurance; NAIC 22667; California Company ID 1325-0; date authorized 12/20/1945; license status Unlimited-Normal; company type Property & Casualty; domicile Pennsylvania; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16. 68. [California NAIC Group List: Chubb Ltd Grp 0626](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getGroupList&event=companyProfile&naicGroupNumber=0626). California Department of Insurance; Group roster including Federal Insurance Company, ACE American Insurance Company, Chubb National Insurance Company, Westchester Fire Insurance Company and other Chubb-group companies with California IDs. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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