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. 1,2
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. 4,5,6,7,8
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. 9,10,11
Key Differences in Fidelity Bonds
How limits are assessed
Gallagher says it places fidelity bonds with outside carriers and sets limits using peer analysis and an exposure index developed with surety and accounting associations, tied to the client’s ERISA requirement. Baldwin lists crime/fidelity options for professional-services firms but does not describe a bond-limit method. Ask both how the plan’s assets and handled funds translate into the requested amount. 6 3
Review of claim conditions
Gallagher says its team reviews whether a carrier allows appropriate treatment of older incidents and whether the claim trigger is too difficult to prove. Baldwin describes market navigation and tailored advice without a fidelity-specific claims review process. Buyers should ask for the bond’s trigger and prior-act treatment in writing before comparing premiums. 6 3
What to Confirm in Fidelity Bonds Quotes
- What ERISA requirement and peer group drive Gallagher’s limit recommendation? Which prior-incident and proof-of-loss terms would Baldwin’s carrier use?
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
The Baldwin Group
Review Score
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.[8][1][2][4][9][10]
Read The Baldwin Group reviewsGallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsOffering Details
The Baldwin Group vs Gallagher: Fidelity Bonds: documented features by provider
| Criteria | Baldwin Commercial Fidelity Bond Brokerage and Advisory | Gallagher Fidelity Bond Insurance |
|---|---|---|
| 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. 3Company-reported. 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 fidelity bond coverage with outside carriers alongside its employee-dishonesty (crime) coverage; it does not underwrite the bond. 6Company-reported. Group-level executive-and-financial-risk practice page; fidelity bonds are described jointly with crime coverage, not as a fully separate section. |
| Issuing Insurer | Confirm in your quote. | The executive-and-financial-risk page does not name the insurer that would issue a given client's fidelity bond. 6Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| 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. 3Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | Gallagher ties fidelity bond limit-setting to a client's required bond limits under ERISA, indicating this offering is aimed at plan sponsors and fiduciaries needing ERISA fidelity bonding rather than a general commercial audience. 6Company-reported. Group-level executive-and-financial-risk practice page. |
| 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. 3Company-reported. 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. | Confirm in your quote. |
| 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. 3Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. | The page does not publish specific fidelity bond limits or premium ranges beyond describing the ERISA-linked methodology used to recommend a limit. 6Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Risk Services | Baldwin describes market navigation and tailored risk and insurance advice for accountants, architects, engineers, financial advisers, lawyers, consultants and surveyors. 3Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | Gallagher says its methodology for fidelity bond and crime limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. 6Company-reported. Group-level executive-and-financial-risk practice page. |
| Claims Support | Confirm in your quote. | Gallagher says it reviews coverage to confirm the carrier allows appropriate treatment of older incidents and does not use claims triggers that are too difficult to prove, a review it applies to the same crime-and-fidelity offering. 6Company-reported. Group-level executive-and-financial-risk practice page; a stated review practice, not a guarantee of claim payment. |
Full Comparison
More The Baldwin Group vs Gallagher Comparisons
Other Fidelity Bonds Comparisons
Sources
The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. 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.
- 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.
- Professional Liability Insurance & 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.
Gallagher
- 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.
- Insurance for Technology & IT Businesses. 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.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. 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.
