--- title: "The Baldwin Group vs HUB International: Builders Risk Insurance" description: "Compare The Baldwin Group’s project budgeting and claims advocacy with HUB International’s builders risk mitigation vendors and site-safety tools." canonical: "https://spot.insure/compare/baldwin-vs-hub-international/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-hub-international" provider-a: "baldwin" provider-b: "hub-international" coverage-line: "builders-risk" --- 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-hub-international/builders-risk) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and HUB International for Builders Risk 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 Builders Risk Insurance questions about The Baldwin Group versus HUB International. 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 HUB International for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, The Baldwin Group or HUB International? - What does The Baldwin Group or HUB International publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from The Baldwin Group or HUB International? **Key facts:** - Line: Builders Risk Insurance. Providers: The Baldwin Group and HUB International. - 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 HUB International](https://spot.insure/compare/baldwin-vs-hub-international) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [The Baldwin Group vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Crime Insurance](https://spot.insure/compare/baldwin-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Cyber Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Fidelity Bonds](https://spot.insure/compare/baldwin-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International General Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-hub-international/representations-warranties) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Builders Risk Insurance](https://spot.insure/compare/aig-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Chubb Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs HUB International: How Do They Compare for Builders Risk Insurance? Compare The Baldwin Group’s project budgeting and claims advocacy with HUB International’s builders risk mitigation vendors and site-safety tools. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and HUB International for Builders Risk 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. ## Summary The Baldwin Group lists project budgeting, loss-control surveys and claims advocacy for real-estate clients. HUB pairs builders risk with site security, leak detection, fire-resistant coatings and an app showing carrier underwriting requirements. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") ## 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 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [13](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ### 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") ## What to Confirm in Builders Risk Insurance Quotes - Ask Baldwin which carrier and policy terms accompany the advisory and claims services for your project. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") - Ask HUB whether the mitigation vendors are optional or required, what they cost, and how the app’s underwriting requirements affect your quote. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ## Offering Details | 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (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..) | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (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..) | 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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: 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](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [The Baldwin Group vs HUB International](https://spot.insure/compare/baldwin-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [The Baldwin Group vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cargo-transit) - [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto) - [The Baldwin Group vs HUB International Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-property) - [The Baldwin Group vs HUB International Crime Insurance](https://spot.insure/compare/baldwin-vs-hub-international/crime) - [The Baldwin Group vs HUB International Cyber Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cyber) - [The Baldwin Group vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/employment-practices) - [The Baldwin Group vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-hub-international/equipment-breakdown) - [The Baldwin Group vs HUB International Fidelity Bonds](https://spot.insure/compare/baldwin-vs-hub-international/fidelity-bonds) - [The Baldwin Group vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/fiduciary) - [The Baldwin Group vs HUB International General Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/general-liability) - [The Baldwin Group vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-hub-international/representations-warranties) - [The Baldwin Group vs HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/surety-bonds) - [The Baldwin Group vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/umbrella-excess) - [The Baldwin Group vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-hub-international/workers-compensation) - [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) - [AIG vs HUB International Builders Risk Insurance](https://spot.insure/compare/aig-vs-hub-international/builders-risk) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) - [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [The Baldwin Group vs Chubb Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-chubb/builders-risk) ## Sources ### 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. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/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. 4. [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. ### HUB International 5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 8. [Builder's Risk Insurance Broker & Coverage Policy](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/). 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. 9. [HUB International Launches Builder's Risk Insurance Solutions](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-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 10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 12. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). 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. 13. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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 Reviews 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). ## HUB International Reviews Review Score: 5.6 / 10 from 2 rated sources, equally weighted. 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-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-hub-international/builders-risk.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)