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
Read the The Baldwin Group profile
Read the The Baldwin Group Commercial Property Insurance page
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
Read the HUB International profile
Read the HUB International Commercial Property Insurance page
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 9,10,11
Key Differences in Commercial Property Insurance
Coverage and Buyer Fit
HUB itemizes building, business personal property, business interruption, contingent interruption, equipment breakdown and catastrophe perils, noting named-storm availability varies. Baldwin describes property strategies without listing these components. Compare HUB’s menu with the terms Baldwin’s proposed carrier actually includes, especially for storm and income exposures. 8 3
Services and Access
HUB describes single-carrier, layered, parametric, captive and reinsurance structures and explains insurance-to-value to address coinsurance penalties. Baldwin lists valuation, catastrophe modeling and policy audits. Buyers with catastrophe exposure can ask how values are tested and which structure fits their retention. 8 3
Terms to Confirm
HUB names industries from agribusiness and construction to healthcare, manufacturing, real estate and technology; Baldwin identifies real-estate and professional-services clients. Confirm that your precise occupancy and property values fit each brokerage’s markets. 8 3
What to Confirm in Commercial Property 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: Commercial Property Insurance: documented features by provider
| Criteria | Baldwin Commercial Property Brokerage and Risk Advisory | HUB International Commercial Property Insurance Brokerage |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Commercial Property 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 commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. 8Company-reported. Commercial property product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The commercial property page does not name an issuing insurer; HUB places property business with carriers that vary by client and program structure. 8Not found in reviewed sources. Checked the commercial property product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Baldwin names commercial property clients across real-estate owners, developers, managers and professional-services firms. The pages do not publish a universal occupancy or underwriting schedule. 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 says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. 8Company-reported. Product-page industries-served list; not a published underwriting appetite by property type or region. |
| Coverage Features | Baldwin lists property insurance and commercial property solutions for these businesses, including tailored strategies for buildings and portfolios. The pages do not specify insured property, causes, valuation or limits for a buyer. 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 lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. 8Company-reported. Product-page coverage list; 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 property-level risk assessment, asset valuation, risk orientation, policy audit, catastrophe modeling and claims advocacy 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 can structure commercial property programs as traditional single-carrier placements, layered programs, parametric insurance that pays on a predefined trigger such as a wind-speed threshold, or captive and reinsurance solutions, and explains insurance-to-value to help clients avoid coinsurance penalties or reduced claim payouts. 8Company-reported. Product-page program-structure and advisory description; a company-reported service capability. |
| How to Apply | Confirm in your quote. | HUB directs prospects to connect with a broker or specialist advisor through its contact portal; no online quote flow is described on the page. 8Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More The Baldwin Group vs HUB International Comparisons
Other Commercial Property 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.
- 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.
- 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.
- Commercial (Business) Property Insurance Brokers. HUB International; Coverage components: building structure, business personal property, business interruption, contingent business interruption, equipment breakdown, natural catastrophe perils; program structures: traditional, layered, parametric, captive, reinsurance; insurance-to-value explanation; industries served list; Connect With a Broker. Accessed 2026-09-23.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
