---
title: "The Baldwin Group vs CNA: Employment Practices Liability Insurance"
description: "CNA documents its EPL wrongful-act and third-party coverage and a Beyond HR helpline, while Baldwin documents brokerage advice and claims advocacy without policy terms."
canonical: "https://spot.insure/compare/baldwin-vs-cna/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-cna"
provider-a: "baldwin"
provider-b: "cna"
coverage-line: "employment-practices"
---

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-cna/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group and CNA for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about The Baldwin Group versus CNA. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- The Baldwin Group vs CNA for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, The Baldwin Group or CNA?
- What does The Baldwin Group or CNA publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from The Baldwin Group or CNA?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: The Baldwin Group and CNA.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [The Baldwin Group vs CNA](https://spot.insure/compare/baldwin-vs-cna) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence)
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [The Baldwin Group vs CNA Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-cna/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Crime Insurance](https://spot.insure/compare/baldwin-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Cyber Insurance](https://spot.insure/compare/baldwin-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA D&O Insurance](https://spot.insure/compare/baldwin-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-cna/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA General Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-cna/inland-marine) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Management Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Surety Bonds](https://spot.insure/compare/baldwin-vs-cna/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs CNA: How Do They Compare for Employment Practices Liability Insurance?

CNA documents its EPL wrongful-act and third-party coverage and a Beyond HR helpline, while Baldwin documents brokerage advice and claims advocacy without policy terms.

## How to Use the The Baldwin Group vs CNA Employment Practices Liability Insurance Comparison

Use this comparison to evaluate The Baldwin Group and CNA for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## The Baldwin Group vs CNA Employment Practices Liability Insurance Summary

CNA lists discrimination, harassment, retaliation and third-party claims under its EPL form, plus Beyond HR resources. Baldwin describes risk assessment and claims advocacy as a broker and does not describe covered acts. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA")

## 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](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/business-insurance/ "Business Insurance")

[The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin)

## 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](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [6](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## What Are the Key Differences Between The Baldwin Group and CNA Employment Practices Liability Insurance?

### Policy Terms Versus Broker Services

CNA's page describes the EPL coverage itself: discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") Baldwin's pages describe a broker's role and do not describe covered employment acts, limits or exclusions. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..)

### Support Around a Claim or Dispute

CNA advertises Beyond HR training and resources and an employment-law helpline that does not give legal advice on specific acts or claims. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") Baldwin describes risk assessment, tailored strategy and claims advocacy, which do not determine an insurer's claim decision. [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management")

### Who Is Eligible

CNA names private, nonprofit and public organizations. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") Baldwin lists professional-services firms and real-estate organizations. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

## What Should You Confirm in The Baldwin Group and CNA Employment Practices Liability Insurance Quotes?

- Ask Baldwin which insurer's form it would propose, since it is not the insurer. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")
- Ask CNA for limits and retentions, which its page does not give. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA")
- Ask whether claims advocacy is included in Baldwin's service. [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management")

## The Baldwin Group vs CNA Employment Practices Liability Compared

| Criteria | Baldwin Employment Practices Liability Brokerage and Advisory | CNA Epack 3 Employment Practices Liability |
| --- | --- | --- |
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Employment Practices Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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 lists professional-services firms and real-estate organizations among audiences whose coverage strategies may include employment-practices liability. The pages do not publish an eligibility schedule for an individual employer. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | CNA identifies private, nonprofit and public organizations among the potential EPL customer classes. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Eligibility remains subject to underwriting and policy state. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..) |
| Coverage Features | Baldwin lists employment-practices liability as a coverage option in its professional-services and real-estate risk programs. It does not describe covered employment acts, third-party claims, limits or exclusions for a particular policy. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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 EPL covers allegations including discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..)<br><br>CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..) |
| 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](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | Confirm in your quote. |
| Risk Services | Baldwin describes risk assessment, tailored coverage strategy and claims advocacy for the named business audiences. These broker services do not determine an insurer’s claim decision. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | CNA advertises Beyond HR workplace training/resources and an employment-law helpline; it says the helpline does not provide legal advice on specific acts or claims. [8](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES "Employment Practices Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability services Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Services are not legal representation or a guarantee of coverage. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current..) |

## Related Pages for The Baldwin Group vs CNA

- [The Baldwin Group vs CNA](https://spot.insure/compare/baldwin-vs-cna): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [The Baldwin Group vs CNA Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-cna/builders-risk)
- [The Baldwin Group vs CNA Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-cna/cargo-transit)
- [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto)
- [The Baldwin Group vs CNA Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-property)
- [The Baldwin Group vs CNA Crime Insurance](https://spot.insure/compare/baldwin-vs-cna/crime)
- [The Baldwin Group vs CNA Cyber Insurance](https://spot.insure/compare/baldwin-vs-cna/cyber)
- [The Baldwin Group vs CNA D&O Insurance](https://spot.insure/compare/baldwin-vs-cna/directors-officers)
- [The Baldwin Group vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-cna/equipment-breakdown)
- [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds)
- [The Baldwin Group vs CNA Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/fiduciary)
- [The Baldwin Group vs CNA General Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/general-liability)
- [The Baldwin Group vs CNA Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-cna/inland-marine)
- [The Baldwin Group vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-cna/kidnap-ransom)
- [The Baldwin Group vs CNA Management Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/management-liability)
- [The Baldwin Group vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-cna/professional-errors-omissions)
- [The Baldwin Group vs CNA Surety Bonds](https://spot.insure/compare/baldwin-vs-cna/surety-bonds)
- [The Baldwin Group vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-cna/umbrella-excess)
- [The Baldwin Group vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-cna/workers-compensation)
- [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices)
- [AIG vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cna/employment-practices)
- [Alliance Risk vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/employment-practices)
- [Alliance Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/employment-practices)
- [Amelia Risk vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/employment-practices)
- [Amelia Risk vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/employment-practices)

## Sources for The Baldwin Group vs CNA

### Sources About The Baldwin Group

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. [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.
3. [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 2026-09-30.
4. [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 2026-09-30.

### Sources About CNA

5. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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.
6. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
7. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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.
8. [Employment Practices Liability | CNA](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.

### Sources for the Employment Practices Liability Insurance Guide

9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. 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. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## The Baldwin Group Review Scores for 2026

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).

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

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