---
title: "The Baldwin Group vs Gallagher: Professional Liability (E&O) Insurance"
description: "Gallagher lists professional liability for service firms and its comparison explains how the quoted terms differ."
canonical: "https://spot.insure/compare/baldwin-vs-gallagher/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-gallagher"
provider-a: "baldwin"
provider-b: "gallagher"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/baldwin-vs-gallagher/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group and Gallagher 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 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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, The Baldwin Group or Gallagher?
- What does The Baldwin Group or Gallagher 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 Gallagher?

**Key facts:**
- Line: Professional Liability (E&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
- [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)
- [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 D&O Insurance](https://spot.insure/compare/baldwin-vs-gallagher/directors-officers) — 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 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 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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs Gallagher: How Do They Compare for Professional Liability (E&O) Insurance?

Gallagher lists professional liability for service firms and its comparison explains how the quoted terms differ.

## How to Use the The Baldwin Group vs Gallagher Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate The Baldwin Group and Gallagher 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 Gallagher Professional Liability (E&O) Insurance Summary

Gallagher describes E&O protection for alleged negligence, copyright infringement, and work by temporary staff or independent contractors. The Baldwin Group names accountants, architects, engineers, advisers, lawyers, consultants, and surveyors; Gallagher describes professional-liability brokerage and risk advice [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions 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. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [5](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [8](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 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. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](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 Gallagher Professional Liability (E&O) Insurance?

### Gallagher: Coverage

Gallagher describes E&O protection for alleged negligence, copyright infringement, and work by temporary staff or independent contractors. The Baldwin Group lists E&O for professional services but does not detail contractor treatment. A firm relying on subcontractors should check insured-person definitions and exclusions. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

### Gallagher: Buyer Scope

The Baldwin Group names accountants, architects, engineers, advisers, lawyers, consultants, and surveyors; Gallagher describes professional-liability brokerage and risk advice. Confirm each provider’s appetite for your exact profession and ask for the insurer before comparing terms. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

## What Should You Confirm in The Baldwin Group and Gallagher Professional Liability (E&O) Insurance Quotes?

- Ask Gallagher 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 Gallagher Professional Liability (E&O) Compared

| Criteria | Baldwin Professional Liability and E&O Brokerage Advisory | Gallagher Small Business Errors and Omissions Insurance |
| --- | --- | --- |
| 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..) | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business E&O product page..) |
| Issuing Insurer | Confirm in your quote. | The E&O product page does not name the insurer that would issue a given business's policy. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) |
| 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..) | Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting..) |
| 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..) | Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line..)<br><br>Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page market-commentary section; a general market view, not a quote for any specific business..) |
| 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..) | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) |
| 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. |
| How to Apply | Confirm in your quote. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. [9](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) |

## Related Pages for The Baldwin Group vs Gallagher

- [The Baldwin Group vs Gallagher](https://spot.insure/compare/baldwin-vs-gallagher): 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 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 D&O Insurance](https://spot.insure/compare/baldwin-vs-gallagher/directors-officers)
- [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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/professional-errors-omissions)

## Sources for The Baldwin Group vs Gallagher

### 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 Gallagher

4. [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.
5. [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.
6. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
7. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
8. [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.
9. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### Sources for the Professional Liability (E&O) Insurance Guide

10. [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.
11. [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.
12. [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.
13. [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).

## 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).

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