--- title: "The Baldwin Group vs Counterpart: Professional Liability (E&O) Insurance" description: "Counterpart lists professional liability for service firms and its comparison explains how the quoted terms differ." canonical: "https://spot.insure/compare/baldwin-vs-counterpart/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-counterpart" provider-a: "baldwin" provider-b: "counterpart" coverage-line: "professional-errors-omissions" --- 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-counterpart/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and Counterpart for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance questions about The Baldwin Group versus Counterpart. 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 Counterpart for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, The Baldwin Group or Counterpart? - What does The Baldwin Group or Counterpart publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from The Baldwin Group or Counterpart? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: The Baldwin Group and Counterpart. - 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 Counterpart](https://spot.insure/compare/baldwin-vs-counterpart) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [The Baldwin Group vs Counterpart Crime Insurance](https://spot.insure/compare/baldwin-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Counterpart D&O Insurance](https://spot.insure/compare/baldwin-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Counterpart General Liability Insurance](https://spot.insure/compare/baldwin-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs Counterpart: How Do They Compare for Professional Liability (E&O) Insurance? Counterpart lists professional liability for service firms and its comparison explains how the quoted terms differ. ## How to Use the The Baldwin Group vs Counterpart Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate The Baldwin Group and Counterpart for Professional Liability (E&O) 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 Counterpart Professional Liability (E&O) Insurance Summary Counterpart lists separate professional-liability programs for miscellaneous professionals, architects and engineers, allied healthcare, and lawyers. Counterpart presents sample limits and retentions for selected professions and says its professional programs support modular limits [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability 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) ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## What Is Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between The Baldwin Group and Counterpart Professional Liability (E&O) Insurance? ### Counterpart: Separate Professions Counterpart lists separate professional-liability programs for miscellaneous professionals, architects and engineers, allied healthcare, and lawyers. The Baldwin Group names many of these occupations but describes a broad E&O offering. A regulated or specialized firm should ask which dedicated form fits its services. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### Counterpart: Buyer Scope Counterpart presents sample limits and retentions for selected professions and says its professional programs support modular limits. The Baldwin Group publishes no buyer-specific limits. Ask for the actual available limit and retention for your profession before comparing premiums. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## What Should You Confirm in The Baldwin Group and Counterpart Professional Liability (E&O) Insurance Quotes? - Ask Counterpart to confirm your profession, services, and any applicable form exclusions or limits. - Ask The Baldwin Group which carrier and policy form it proposes and request the applicable trigger, limits, and exclusions. ## The Baldwin Group vs Counterpart Professional Liability (E&O) Compared | Criteria | Baldwin Professional Liability and E&O Brokerage Advisory | Counterpart Professional Liability | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Professional Liability and E&O. 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..) | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited marketing pages do not identify the insurer for a particular professional-liability risk or state..) | | Who It’s For | Baldwin names accountants, architects, engineers, financial advisers, lawyers, management consultants and surveyors as professional-services clients. [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..) | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Each page has its own occupation scope; no single eligibility rule applies across all four products..) | | Coverage Features | Baldwin lists professional liability/E&O coverage for its professional-services practice. The page does not define the professional services insured, covered errors, claims-made conditions, limits or exclusions. [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..) | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: These are distinct program summaries and do not establish identical policy triggers or coverages..) | | 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..) | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Published examples are illustrative, not terms available to a particular applicant..) | | Risk Services | Baldwin describes tailored insurance and risk-mitigation solutions for professional firms and guidance on market shifts and business exposures. [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..) | Confirm in your quote. | ## Related Pages for The Baldwin Group vs Counterpart - [The Baldwin Group vs Counterpart](https://spot.insure/compare/baldwin-vs-counterpart): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [The Baldwin Group vs Counterpart Crime Insurance](https://spot.insure/compare/baldwin-vs-counterpart/crime) - [The Baldwin Group vs Counterpart D&O Insurance](https://spot.insure/compare/baldwin-vs-counterpart/directors-officers) - [The Baldwin Group vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-counterpart/employment-practices) - [The Baldwin Group vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-counterpart/fiduciary) - [The Baldwin Group vs Counterpart General Liability Insurance](https://spot.insure/compare/baldwin-vs-counterpart/general-liability) - [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) - [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) - [Alliance Risk vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/professional-errors-omissions) - [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) - [Aon vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-baldwin/professional-errors-omissions) - [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) ## Sources for The Baldwin Group vs Counterpart ### 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. ### Sources About Counterpart 4. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 5. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 6. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30. 7. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28.. Accessed 2026-09-28. 8. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session.. Accessed 2026-09-28. 9. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30. 10. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### Sources for the Professional Liability (E&O) Insurance Guide 11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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). ## Counterpart Review Scores for 2026 Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-counterpart/professional-errors-omissions.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)