The Baldwin Group vs 
HUB International: How Do They Compare for Builders 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. 1,2
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 5,6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
Key Differences in Builders Risk Insurance
Claims and Risk Services at the Project Site
The Baldwin Group describes budgeting, contract support, safety procedures, loss-control surveys, claims advocacy and dedicated claims consultants for real-estate clients. HUB International describes a builders risk program paired with third-party site security, automated leak detection and fire-resistant coatings, plus an app that displays carrier underwriting requirements. Baldwin’s listed services include support around loss and project management; HUB’s examples are physical risk controls at the site. If either type of support matters to your project, ask for its scope, vendor costs and whether it is required by the insurer. 3 8
Project Selection and Policy Terms
HUB says its program targets owners, general contractors and developers working on frame and non-frame construction. Baldwin lists developers, owners, managers, merchant builders and other real-estate audiences, but calls those practice scopes rather than eligibility approvals. Neither company’s reviewed record names the issuing carrier or provides project-specific limits. A construction type that fits the audience still needs underwriting confirmation; request the carrier, form, coverage schedule and deductible in writing. 3 9
What to Confirm in Builders Risk Insurance Quotes
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
No reviews found
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 reviewsHUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsOffering Details
The Baldwin Group vs HUB International: Builders Risk Insurance: documented features by provider
| Criteria | Baldwin Builders Risk Brokerage and Risk Advisory | HUB Builder's Risk Insurance Solutions |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Builders Risk Brokerage and Risk Advisory. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 8,9Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 8,9Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. |
| Who It’s For | Baldwin’s real-estate page names developers, owners, managers, merchant builders, community associations, REITs, lenders, private equity and family offices; the digital-infrastructure page separately lists builders’ risk as a potential coverage consideration. These are audiences and practice scopes, not eligibility approvals. 3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 9Company-reported. Launch press release target-market description. |
| Coverage Features | Baldwin describes builders’ risk as insurance for construction projects and lists builders’ risk and construction liability among real-estate construction services. It does not identify a carrier, project-specific form or granted policy terms. 3,4Company-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. | HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. 8Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| 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. 3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. | Confirm in your quote. |
| Risk Services | Baldwin describes project insurance budgeting, contract support, safety procedures, proactive risk management, loss-control surveys, claims advocacy and dedicated claims consultants for real-estate clients. 3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. 8,9Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. |
| How to Apply | Confirm in your quote. | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. 8Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More The Baldwin Group vs HUB International Comparisons
Other Builders Risk Insurance 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.
- Digital Infrastructure. The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29. Accessed 2026-09-30.
- Commercial Real Estate Insurance & Risk Management. 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.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
- HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
