The Baldwin Group vs 
HUB International: How Do They Compare for Key Person Insurance?
HUB lists key-person life and key-person disability as separate offerings within executive benefits, alongside term or permanent life policies for individuals. Baldwin lists key-person insurance in employee-benefit solutions for financial sponsors and portfolio companies but does not specify product type. 3,7
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 Key Person Insurance?
Key person insurance pays the business, not the person’s family, when a founder, partner or employee it relies on dies. Disability, overhead expense and buyout funding are separate products to discuss on their own. 8,9,10,11
What Are the Key Differences Between The Baldwin Group and HUB International Key Person Insurance?
Coverage Detail in the Published Record
HUB lists key-person life and key-person disability as separate offerings within executive benefits, alongside term or permanent life policies for individuals. Baldwin lists key-person insurance in employee-benefit solutions for financial sponsors and portfolio companies but does not specify product type. A company deciding whether it needs death protection, disability income to the business, or both should ask Baldwin to separate those alternatives as HUB does. 3 7
How the Other Record Changes the Comparison
HUB directs prospects to a contact form and describes access to executive-benefit specialists across retirement, wealth, employee benefits and risk services. Baldwin describes M&A due diligence, portfolio programs and claims advocacy. The service contexts differ—executive-benefit specialists versus sponsor/portfolio work—so ask which team will handle underwriting and policy administration for the named person. 3 7
What Should You Confirm in The Baldwin Group and HUB International Key Person Insurance Quotes?
- Ask HUB which life and disability policies can be placed, who issues them and what benefit amounts are available. Ask Baldwin to state whether its proposal covers life, disability or both, and identify the insurer and service team. 3
- Confirm the quoted policy’s applicable terms, issuing carrier and any coverage-specific limits or exclusions before binding. 7
The Baldwin Group and HUB International Review Scores for 2026
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
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
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 reviewsThe Baldwin Group vs HUB International Key Person Insurance Compared
The Baldwin Group vs HUB International: Key Person Insurance: documented features by provider
| Criteria | Baldwin Key Person Insurance Advisory for M&A and Portfolio Companies | HUB International Key Person Life and Disability Insurance |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Key Person Insurance Advisory for M&A and Portfolio Companies. 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 key person life and disability insurance as one line within its executive benefits practice, alongside private wealth management and other individual coverages, rather than underwriting the policies itself. 7Company-reported. Executive benefits product page offerings list; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | Neither the executive benefits page nor the technology-industry page names the insurer that issues a key person life or disability policy. 7,6Not found in reviewed sources. Checked both pages on 2026-09-23. |
| Who It’s For | Baldwin’s M&A practice lists key-person insurance within employee-benefit solutions for financial sponsors and portfolio-company contexts. This does not establish eligibility for another business or individual. 3Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | HUB markets key person insurance as part of executive benefits packages aimed at organizations seeking to attract and retain C-suite and other high-performing leaders; its technology-industry page separately lists key person life and disability among coverages it arranges for technology companies. 7,6Company-reported. Executive benefits page target-client framing and the technology-industry page's People Protection list; not an underwriting appetite statement. |
| Coverage Features | Baldwin lists key-person insurance as an employee-benefit solution in its M&A practice. It does not identify a life or disability policy, insured person, beneficiary, benefit amount or insurer. 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 lists Key Person life insurance and Key Person disability insurance as separate offerings within its executive benefits lineup, alongside term or permanent life insurance and individual disability insurance for executives. 7Company-reported. Executive benefits page offerings list; the reviewed pages do not describe policy terms, exclusions or triggers for either product. |
| 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 key person life or disability benefit amounts, limits or pricing were not found on the reviewed pages. 7,6Not publicly disclosed. Checked the executive benefits page and technology-industry page on 2026-09-23; amounts depend on underwriting and the client's chosen benefit design. |
| Risk Services | Baldwin describes M&A risk and insurance advice, due diligence, portfolio insurance programs and claims advocacy for financial sponsors and portfolio companies. 3Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | HUB says clients working on executive benefits, including key person coverage, get access to specialists across retirement services, private wealth management, employee benefits, risk services and personal insurance. 7Company-reported. Executive benefits page specialist description; not specific to a single key person engagement. |
| How to Apply | Confirm in your quote. | The executive benefits page directs prospective clients to "Contact HUB" through a form rather than describing a self-service quote process for key person coverage. 7Company-reported. Executive benefits page call-to-action text. |
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Sources for The Baldwin Group vs HUB International
Sources About 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.
- M&A, Private Equity & VC Risk Management. The Baldwin Group; Transactional-risk insurance and placement claims lines 72–80; P&C line list lines 101–116; accessed 2026-09-29. Accessed 2026-09-30.
Sources About 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; People Protection list: Workers' Compensation, Employee Benefits, Key Person Life & Disability, Retirement Plan Solutions, Kidnap & Ransom. Accessed 2026-09-23.
- Executive Benefits Solutions for C-suite. HUB International; Core Executive Benefits Offerings list including Key Person life insurance and Key Person disability insurance; target-client description; Contact HUB call to action. Accessed 2026-09-23.
Sources for the Key Person Insurance Guide
- Small Business Insurance. National Association of Insurance Commissioners; Key Person Life Insurance Q&A; Tips & Tools > Key Person Life Insurance; Tips & Tools > Disability Insurance. Accessed 2026-09-16.
- Life Insurance Buyer’s Guide. National Association of Insurance Commissioners; Compare policy types p.5; premiums/beneficiary/application p.6; policy review pp.7–8. Accessed 2026-09-16.
- Key person protection. Principal; Key person insurance > Key person replacement disability insurance; Key person life insurance. Accessed 2026-09-16.
- Specimen Application for Life Insurance. John Hancock Life Insurance Company of New York; filed with SEC; Insured p.1; owner/beneficiary and coverage details p.2; existing/pending pp.3–4; Business Insurance Q36 p.5; declarations p.6. Accessed 2026-09-16.
