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 Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 8,9,10
Key Differences in Fidelity Bonds
Bond category and intended buyer
HUB lists Crime/Fidelity under Executive Liability and Financial Institution Bonds as a separate category for financial institutions. Baldwin names a commercial crime/fidelity option for professional-services firms, without specifying the form. A financial institution should ask whether HUB’s separate bond category matches its need; a professional-services business should clarify what Baldwin’s commercial option covers. 7 3
Broker services and terms
HUB says its ProEx team provides analytics, litigation support and risk management, and directs prospects to contact a specialist. Baldwin describes tailored risk advice but neither record publishes bond limits, covered dishonest acts or an issuer. Ask both brokers for the exact form, carrier and claims support attached to the quote. 7 3
What to Confirm in Fidelity Bonds Quotes
- Which HUB category and insurer would apply to your business? Which bond form, limits and claims support would Baldwin put forward?
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: Fidelity Bonds: documented features by provider
| Criteria | Baldwin Commercial Fidelity Bond Brokerage and Advisory | HUB International Crime and Fidelity Bond Brokerage |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Commercial Fidelity Bond. 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 places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. 7Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 7Not found in reviewed sources. Checked the ProEx page on 2026-09-23. |
| Who It’s For | Baldwin lists professional-services firms among the commercial sectors for which it can arrange crime/fidelity-bond options. The page does not establish a bond applicant’s eligibility or identify a surety. 3Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. 7Not found in reviewed sources. Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description. |
| Coverage Features | Baldwin lists a commercial crime/fidelity bond as an option for professional-services clients. It does not describe a specific bond form, protected obligee, covered employee conduct or bond amount. 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's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. 7Company-reported. ProEx page coverage list only; these are catalogue entries, not policy-form descriptions. |
| 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 bond penalty amounts, limits or retentions were not found on the ProEx page. 7Not publicly disclosed. Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations. |
| Risk Services | Baldwin describes market navigation and tailored risk and insurance advice for accountants, architects, engineers, financial advisers, lawyers, consultants and surveyors. 3Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. 7Company-reported. ProEx page team and services description; not specific to a single bond placement. |
| How to Apply | Confirm in your quote. | HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. 7Company-reported. ProEx page call to action. |
Full Comparison
More The Baldwin Group vs HUB International Comparisons
Other Fidelity Bonds 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.
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.
- HUB ProEx. HUB International; ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
