---
title: "The Baldwin Group vs CNA: Fidelity Bonds"
description: "CNA identifies employee-dishonesty protection across several bond forms and experienced fidelity claims specialists; Baldwin lists crime/fidelity options without naming forms."
canonical: "https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-cna"
provider-a: "baldwin"
provider-b: "cna"
coverage-line: "fidelity-bonds"
---

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[Human-readable page](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds)

## Agent Guide

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

**Use this page when:** Cite or fetch this for Fidelity Bonds 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 Fidelity Bonds: how do they differ?
- Which is better for Fidelity Bonds, The Baldwin Group or CNA?
- What does The Baldwin Group or CNA publish about Fidelity Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fidelity Bonds from The Baldwin Group or CNA?

**Key facts:**
- Line: Fidelity Bonds. 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
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — 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 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 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 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 Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Beazley Fidelity Bonds](https://spot.insure/compare/baldwin-vs-beazley/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Coverdash Fidelity Bonds](https://spot.insure/compare/baldwin-vs-coverdash/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Founder Shield Fidelity Bonds](https://spot.insure/compare/baldwin-vs-foundershield/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Fidelity Bonds](https://spot.insure/compare/baldwin-vs-gallagher/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs CNA: How Do They Compare for Fidelity Bonds?

CNA identifies employee-dishonesty protection across several bond forms and experienced fidelity claims specialists; Baldwin lists crime/fidelity options without naming forms.

## Research Scope and Use

Use this comparison to evaluate The Baldwin Group and CNA for Fidelity Bonds 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.

## Summary

CNA names dishonesty, janitorial, blanket, scheduled and ERISA bonds, while The Baldwin Group describes a commercial crime/fidelity option for professional-services clients without specifying its form or protected party. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [7](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA 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](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. [4](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [5](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [6](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

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

## What Are Fidelity Bonds?

Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions")

## Key Differences in Fidelity Bonds

### Bond forms and buyer need

CNA lists several fidelity bond types, including employee-dishonesty, janitorial-services, blanket, scheduled and pension-trust bonds. Baldwin lists commercial crime/fidelity bonds for professional-services firms but does not name the form. The right comparison depends on whether you need employee coverage, client protection or an ERISA bond; ask Baldwin to identify which form it will place. [7](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

### Claims support

CNA says experienced claims specialists help resolve surety and fidelity claims. Baldwin describes tailored risk and insurance advice but its reviewed record does not specify fidelity-claim assistance. If claim support is a purchase factor, ask Baldwin whether its broker team assists with notices and carrier communication, then compare the issuer’s claim process with CNA’s stated specialist support. [7](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

## What to Confirm in Fidelity Bonds Quotes

- Which CNA form matches your obligee and employee roles? What fidelity claims assistance will Baldwin provide and who is the issuing surety?

## Offering Details

| Criteria | Baldwin Commercial Fidelity Bond Brokerage and Advisory | CNA Fidelity Bonds |
| --- | --- | --- |
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Commercial Fidelity Bond. 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") (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 among the commercial sectors for which it can arrange crime/fidelity-bond options. The page does not establish a bond applicant’s eligibility or identify a surety. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (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..) | Confirm in your quote. |
| Coverage Features | Baldwin lists a commercial crime/fidelity bond as an option for professional-services clients. It does not describe a specific bond form, protected obligee, covered employee conduct or bond amount. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (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 describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. [7](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern..)<br><br>CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. [7](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility..) |
| 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") (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 market navigation and tailored risk and insurance advice for accountants, architects, engineers, financial advisers, lawyers, consultants and surveyors. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (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 says experienced claims specialists help resolve surety and fidelity claims. [7](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed..) |

## Full Comparison

- [The Baldwin Group vs CNA](https://spot.insure/compare/baldwin-vs-cna): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets.
- [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 Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-cna/equipment-breakdown)
- [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 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 Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds)
- [The Baldwin Group vs Beazley Fidelity Bonds](https://spot.insure/compare/baldwin-vs-beazley/fidelity-bonds)
- [The Baldwin Group vs Coverdash Fidelity Bonds](https://spot.insure/compare/baldwin-vs-coverdash/fidelity-bonds)
- [The Baldwin Group vs Founder Shield Fidelity Bonds](https://spot.insure/compare/baldwin-vs-foundershield/fidelity-bonds)
- [The Baldwin Group vs Gallagher Fidelity Bonds](https://spot.insure/compare/baldwin-vs-gallagher/fidelity-bonds)

## Sources

### 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.

### CNA

4. [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.
5. [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.
6. [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.
7. [CNA Surety - Surety and Fidelity Bonds | CNA Insurance](https://www.cna.com/products/cna-surety). CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.

### Fidelity Bonds Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. 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 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).

## CNA Reviews

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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)