The Baldwin Group vs 
HUB International: How Do They Compare for Cargo and Transit 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. 4,5,6
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 8,9,10,11
Key Differences in Cargo and Transit Insurance
Shipment Transit and Stock Throughput
The Baldwin Group describes cargo placement and program review for transportation businesses but does not specify which transit stages its cargo form covers. HUB International describes marine cargo insurance for loss or damage to freight in transit by land, sea or air, and separately offers stock throughput from manufacturing through final delivery. A business seeking protection before goods are shipped should ask HUB whether stock-throughput fits; for Baldwin, ask the selected carrier to define whether the policy begins at the plant or only during transit. Both descriptions require confirmation against the issued policy. 3 7
Industry Scope and Quote Access
HUB’s marine practice lists ocean cargo, ports, vessels, shipyards and supply-chain or logistics businesses, and directs buyers to a marine specialist rather than an online quote. Baldwin addresses road, rail, pipeline and air transportation firms and describes reviewing and optimizing programs. Neither public record names the cargo insurer for an individual placement, and HUB’s page does not publish per-shipment limits. Explain your cargo role and ask each specialist for the carrier, limits and storage terms. 3 7
What to Confirm in Cargo and Transit 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: Cargo and Transit Insurance: documented features by provider
| Criteria | Baldwin Cargo Insurance Brokerage and Advisory | HUB International Marine Cargo Insurance Brokerage |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Cargo Insurance. 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. | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. 7Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. 7Not found in reviewed sources. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Baldwin’s transportation practice addresses road, rail, pipeline and air businesses, each of which may have distinct risk and insurance needs. The page does not publish applicant eligibility by carrier or jurisdiction. 3Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. 7Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region. |
| Coverage Features | Baldwin lists cargo insurance among coverage solutions it may source for transportation clients. It does not specify a cargo form, covered transit stages, commodity schedule or policy entitlement. 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. | HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. 7Company-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. 3Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. 7Not publicly disclosed. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Baldwin describes helping transportation clients review and optimize programs, mitigate losses and source insurance for operations, inventory, equipment and employees. 3Company-reported. 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. | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. 7Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More The Baldwin Group vs HUB International Comparisons
Other Cargo and Transit 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.
- Transportation Insurance & Risk Management. The Baldwin Group; Transportation advisors and partner market access lines 42–48; RiskMap and program reviews lines 53–75; listed line options lines 86–113; fleet risk resources lines 118–131; Employee benefits lines 133–173; 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.
- Marine Insurance Broker Policy & Coverage. HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
