--- title: "The Baldwin Group vs Coalition: Crime Insurance" description: "Coalition publishes a potential $10 million line limit and broker-only distribution; The Baldwin Group describes crime placement without published terms." canonical: "https://spot.insure/compare/baldwin-vs-coalition/crime" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-coalition" provider-a: "baldwin" provider-b: "coalition" coverage-line: "crime" --- 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-coalition/crime) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and Coalition for Crime 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 Crime Insurance questions about The Baldwin Group versus Coalition. 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 Coalition for Crime Insurance: how do they differ? - Which is better for Crime Insurance, The Baldwin Group or Coalition? - What does The Baldwin Group or Coalition publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from The Baldwin Group or Coalition? **Key facts:** - Line: Crime Insurance. Providers: The Baldwin Group and Coalition. - 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 Coalition](https://spot.insure/compare/baldwin-vs-coalition) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence) - [The Baldwin Group vs Coalition Cyber Insurance](https://spot.insure/compare/baldwin-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-coalition/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition Crime Insurance](https://spot.insure/compare/aig-vs-coalition/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Coalition Crime Insurance](https://spot.insure/compare/aon-vs-coalition/crime) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs Coalition: How Do They Compare for Crime Insurance? Coalition publishes a potential $10 million line limit and broker-only distribution; The Baldwin Group describes crime placement without published terms. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and Coalition for Crime 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. ## Summary Coalition identifies potential limits and carrier routes; The Baldwin Group describes brokerage without naming a crime insurer. [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") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ## 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) ## What Is Coalition Insurance? Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. [5](https://www.coalitioninc.com/control "Coalition Control") [6](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [8](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [Coalition profile](https://spot.insure/insurance-providers/coalition) ## What Is Crime Insurance? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [13](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [14](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [15](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## Key Differences in Crime Insurance ### Coverage and Program Structure Coalition places crime as one of four Executive Risks coverages through appointed brokers and says up to $10 million per line may be available to eligible U.S. private and nonprofit organizations. Baldwin lists crime/fidelity without published limits. Confirm Coalition’s organization criteria and compare actual limits with Baldwin’s carrier proposal. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### Placement and Eligibility Coalition says crime responds to theft, fraud and certain cybercrimes subject to exclusions; its carrier depends on admitted or non-admitted placement. Baldwin describes brokerage but does not name a specific crime insurer. Confirm the carrier and how electronic or social-engineering losses are handled in each form. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### Limits and Claims Questions Coalition distributes Executive Risks only through appointed brokers. Baldwin describes advisor-led placement and claims advocacy. Coalition’s route therefore requires an appointed broker; confirm who will submit and service the final placement through either path. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## What to Confirm in Crime Insurance Quotes - What crime limit is available, who issues the policy and which fraud exclusions apply? [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") - Which insurer, crime form and broker contacts will Baldwin provide? [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## Offering Details | Criteria | Baldwin Commercial Crime Brokerage and Advisory | Coalition Executive Risks — Crime Insurance | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Commercial Crime. 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..) | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | | Who It’s For | Baldwin’s professional-services and real-estate pages identify firms and property organizations as clients whose programs may include crime coverage. This does not determine an applicant’s underwriting eligibility. [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..) | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) | | Coverage Features | Baldwin lists commercial crime or crime/fidelity as insurance options for the cited commercial sectors. It does not describe a specific crime policy, covered loss trigger, limit or exclusion. [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..) | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered..) | | 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..) | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) | | Risk Services | Baldwin describes tailored commercial risk guidance, policy planning and claims advocacy for the named practices. It does not claim to adjudicate a carrier’s crime-policy claim. [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..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | ## Full Comparison - [The Baldwin Group vs Coalition](https://spot.insure/compare/baldwin-vs-coalition): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms. - [The Baldwin Group vs Coalition Cyber Insurance](https://spot.insure/compare/baldwin-vs-coalition/cyber) - [The Baldwin Group vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-coalition/employment-practices) - [The Baldwin Group vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-coalition/fiduciary) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) - [AIG vs Coalition Crime Insurance](https://spot.insure/compare/aig-vs-coalition/crime) - [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime) - [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime) - [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) - [Aon vs Coalition Crime Insurance](https://spot.insure/compare/aon-vs-coalition/crime) ## 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. 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. ### Coalition 5. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16. 6. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16. 7. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 8. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16. 9. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23. 10. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23. ### Crime Insurance Guide 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. 12. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 13. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 14. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 15. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. 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). ## Coalition Reviews Review Score: 10.0 / 10 from 1 rated source, equally weighted. Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers. - BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints) - RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews) - BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-coalition/crime.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)