--- title: "The Baldwin Group vs Gallagher: D&O Insurance" description: "Gallagher describes SPAC and IPO D&O bundles and an in-house claims-advocacy team, while Baldwin describes general D&O advice and benchmarking." canonical: "https://spot.insure/compare/baldwin-vs-gallagher/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-gallagher" provider-a: "baldwin" provider-b: "gallagher" coverage-line: "directors-officers" --- 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-gallagher/directors-officers) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and Gallagher for D&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 D&O Insurance questions about The Baldwin Group versus Gallagher. 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 Gallagher for D&O Insurance: how do they differ? - Which is better for D&O Insurance, The Baldwin Group or Gallagher? - What does The Baldwin Group or Gallagher publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from The Baldwin Group or Gallagher? **Key facts:** - Line: D&O Insurance. Providers: The Baldwin Group and Gallagher. - 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 Gallagher](https://spot.insure/compare/baldwin-vs-gallagher) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence) - [The Baldwin Group vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Crime Insurance](https://spot.insure/compare/baldwin-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Cyber Insurance](https://spot.insure/compare/baldwin-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Employee Health Benefits](https://spot.insure/compare/baldwin-vs-gallagher/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/employment-practices) — 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 Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher General Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-gallagher/representations-warranties) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Gallagher D&O Insurance](https://spot.insure/compare/aig-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Gallagher D&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Gallagher D&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs Gallagher: How Do They Compare for D&O Insurance? Gallagher describes SPAC and IPO D&O bundles and an in-house claims-advocacy team, while Baldwin describes general D&O advice and benchmarking. ## How to Use the The Baldwin Group vs Gallagher D&O Insurance Comparison Use this comparison to evaluate The Baldwin Group and Gallagher for D&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 Gallagher D&O Insurance Summary Gallagher markets D&O to SPACs and IPO companies, bundles related lines and cites a claims-advocacy team with in-house attorneys. Baldwin describes D&O advice and benchmarking across public, pre-IPO and real-estate contexts. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](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 Gallagher? Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between The Baldwin Group and Gallagher D&O Insurance? ### Public-Company Focus Both brokers discuss IPO-stage D&O, but Gallagher is more specific: it markets placement to SPACs through the de-SPAC process and to companies listing by IPO or direct listing. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") Baldwin mentions public-company, IPO and SPAC programs alongside real-estate owners, REITs, lenders and associations. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") ### Bundling and Claims Support Gallagher describes pairing D&O with representations and warranties, E&O, cyber and tax coverage around an IPO, and a claims-advocacy team with in-house attorneys. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") Baldwin describes management-liability advice, benchmarking and program guidance, and its reviewed pages mention no dedicated claims team. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment..) ### Neither Is the Insurer Both are brokers; Gallagher says the carrier is selected during placement and Baldwin is not identified as the risk-bearing insurer. Neither publishes limits or retentions. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") ## What Should You Confirm in The Baldwin Group and Gallagher D&O Insurance Quotes? - Ask each broker which carriers it would approach for your profile. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask Baldwin whether claims advocacy is included for D&O. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") - Ask for Side A, B and C limits and retentions in each proposal. [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") ## The Baldwin Group vs Gallagher D&O Insurance Compared | Criteria | Baldwin Directors and Officers Liability Brokerage and Advisory | Gallagher Directors and Officers (D&O) Liability Insurance | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Directors and Officers Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | | Issuing Insurer | Confirm in your quote. | The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | | Who It’s For | Baldwin’s management-liability practice discusses public-company, IPO and SPAC D&O programs; its real-estate practice names owners, managers, REITs, lenders and associations. These contexts do not guarantee placement eligibility. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (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..) | Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page, SPAC and IPO subsections..) | | Coverage Features | Baldwin describes D&O insurance as protecting individual directors/officers and the entity against certain alleged management-related losses, and discusses Coverage A, B and C as common policy grants. This is general product education, not a buyer’s policy wording. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (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..) | Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement..) | | 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/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | The executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | | Risk Services | Baldwin describes management-liability advice, D&O benchmarking and program guidance, including public-company and pre-IPO contexts. Benchmarking is not a coverage term or quote. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page, SPAC subsection..) | | Claims Support | Confirm in your quote. | Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment..) | ## Related Pages for The Baldwin Group vs Gallagher D&O Insurance - [The Baldwin Group vs Gallagher](https://spot.insure/compare/baldwin-vs-gallagher): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [The Baldwin Group vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-auto) - [The Baldwin Group vs Gallagher Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-property) - [The Baldwin Group vs Gallagher Crime Insurance](https://spot.insure/compare/baldwin-vs-gallagher/crime) - [The Baldwin Group vs Gallagher Cyber Insurance](https://spot.insure/compare/baldwin-vs-gallagher/cyber) - [The Baldwin Group vs Gallagher Employee Health Benefits](https://spot.insure/compare/baldwin-vs-gallagher/employee-health-benefits) - [The Baldwin Group vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/employment-practices) - [The Baldwin Group vs Gallagher Fidelity Bonds](https://spot.insure/compare/baldwin-vs-gallagher/fidelity-bonds) - [The Baldwin Group vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/fiduciary) - [The Baldwin Group vs Gallagher General Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/general-liability) - [The Baldwin Group vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-gallagher/kidnap-ransom) - [The Baldwin Group vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-gallagher/professional-errors-omissions) - [The Baldwin Group vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-gallagher/representations-warranties) - [The Baldwin Group vs Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/surety-bonds) - [The Baldwin Group vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/umbrella-excess) - [The Baldwin Group vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-gallagher/workers-compensation) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) - [AIG vs Gallagher D&O Insurance](https://spot.insure/compare/aig-vs-gallagher/directors-officers) - [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) - [Alliance Risk vs Gallagher D&O Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/directors-officers) - [Amelia Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/directors-officers) - [Amelia Risk vs Gallagher D&O Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/directors-officers) ## Sources for The Baldwin Group vs Gallagher D&O Insurance ### 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. [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. 4. [Directors & Officers Liability Insurance](https://baldwin.com/business-insurance/solutions/management-liability/). The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29.. Accessed 2026-09-30. ### Sources About Gallagher 5. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16. 6. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16. 7. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Directors and Officers (D&O) Liability insurance section; Special-Purpose Acquisition Companies (SPACs) section; IPO and direct listings section; Executive and Financial Risk Practice Summary. Accessed 2026-09-23. 8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 9. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16. ### Sources for the D&O Insurance Guide 10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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). ## Gallagher Review Scores for 2026 Review Score: 9.3 / 10 from 3 rated sources, equally weighted. Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service. - J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com) - BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-gallagher/directors-officers.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)