The Baldwin Group vs 
CNA: How Do They Compare for Builders Risk Insurance?
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
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 5,6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
Key Differences in Builders Risk Insurance
Advisory Scope and Marine Classification
The Baldwin Group describes builders risk within its real-estate services, including project budgeting, contract support, safety procedures and claims advocacy. CNA places Builders Risk in its Inland Marine catalogue and separately lists Hull Builders Risk under Ocean Marine. That classification matters when the project involves vessels or marine construction: CNA’s catalogue treats hull work as a separate category, while Baldwin’s reviewed material discusses real-estate and digital-infrastructure audiences. Confirm which CNA line matches the insured property before asking Baldwin to arrange the placement. 3 8
What the Public Descriptions Establish
CNA’s marine brochure describes property-damage cover for construction projects and cites natural disasters, vandalism and theft as examples. Baldwin calls builders risk construction-project insurance but does not name a carrier, form or granted policy terms. Neither overview sets the specific limit or deductible for your project. For a useful comparison, ask CNA for the proposed Inland Marine wording and ask Baldwin for the actual insurer and schedule, then compare covered property and exclusions in the documents. 3 9
What to Confirm in Builders Risk 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.
The Baldwin Group
Review Score
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 reviewsCNA
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsOffering Details
The Baldwin Group vs CNA: Builders Risk Insurance: documented features by provider
| Criteria | Baldwin Builders Risk Brokerage and Risk Advisory | Builders Risk (Inland Marine) |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Builders Risk Brokerage and Risk Advisory. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. | CNA lists Builders Risk under Inland Marine and Hull Builders Risk under Ocean Marine as separate catalogue items. 8Company-reported. The catalogue categories identify separate marketed products and do not determine which form fits a specific project. |
| Who It’s For | Baldwin’s real-estate page names developers, owners, managers, merchant builders, community associations, REITs, lenders, private equity and family offices; the digital-infrastructure page separately lists builders’ risk as a potential coverage consideration. These are audiences and practice scopes, not eligibility approvals. 3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | CNA’s Marine page categorizes Builders Risk under inland marine and separately lists Hull Builders Risk under ocean marine. 8Company-reported. The categories distinguish land construction risks from marine hull projects; neither listing guarantees that CNA will quote a project. |
| Coverage Features | Baldwin describes builders’ risk as insurance for construction projects and lists builders’ risk and construction liability among real-estate construction services. It does not identify a carrier, project-specific form or granted policy terms. 3,4Company-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. | CNA lists Builders Risk among Inland Marine coverages and describes property-damage cover for construction projects in its marine brochure. 8,9Company-reported. This is company marketing, not a coverage grant; policy wording and project facts control. The brochure gives natural-disaster, vandalism and theft as examples of project property damage the product is intended to address. 9Company-reported. The examples are not a complete peril list; the source directs buyers to the relevant policy for actual terms. |
| 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. 3,4Not 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 project insurance budgeting, contract support, safety procedures, proactive risk management, loss-control surveys, claims advocacy and dedicated claims consultants for real-estate clients. 3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | Confirm in your quote. |
Full Comparison
More The Baldwin Group vs CNA Comparisons
Other Builders Risk Insurance 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.
- 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 2026-09-30.
- Commercial Real Estate Insurance & Risk Management. 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 2026-09-30.
CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Inland & Ocean Marine Insurance. CNA; U.S. page, sections Inland Marine and Ocean Marine: Builders Risk listed among inland products and Hull Builders Risk among ocean products; page retrieved through official-site search 2026-09-30. Accessed 2026-09-30.
- Marine Capabilities Brochure. CNA; Additional Offerings section: Builders Risk for construction projects with property damage from named examples; brochure product overview, not policy wording. Official document retrieved 2026-09-30. Accessed 2026-09-30.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
