--- title: "The Baldwin Group vs HUB International: Key Person Insurance" description: "Compare The Baldwin Group's coverage with HUB International's coverage for key person insurance, including the terms to confirm in a quote." canonical: "https://spot.insure/compare/baldwin-vs-hub-international/key-person" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-hub-international" provider-a: "baldwin" provider-b: "hub-international" coverage-line: "key-person" --- 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/key-person) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and HUB International for Key Person 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 Key Person 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 Key Person Insurance: how do they differ? - Which is better for Key Person Insurance, The Baldwin Group or HUB International? - What does The Baldwin Group or HUB International publish about Key Person Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Key Person Insurance from The Baldwin Group or HUB International? **Key facts:** - Line: Key Person 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 - [Key Person Insurance guide](https://spot.insure/coverage/key-person) — 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 Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line) - [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 D&O Insurance](https://spot.insure/compare/baldwin-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Employee Health Benefits](https://spot.insure/compare/baldwin-vs-hub-international/employee-health-benefits) — 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 Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-hub-international/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Management Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/management-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-hub-international/professional-errors-omissions) — 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) - [Alliance Risk vs The Baldwin Group Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/key-person) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/key-person) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Embroker Key Person Insurance](https://spot.insure/compare/baldwin-vs-embroker/key-person) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Founder Shield Key Person Insurance](https://spot.insure/compare/baldwin-vs-foundershield/key-person) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs RiskCube Key Person Insurance](https://spot.insure/compare/baldwin-vs-riskcube/key-person) — sibling comparison (other line, or other pair for this line) - [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs HUB International: How Do They Compare for Key Person Insurance? Compare The Baldwin Group's coverage with HUB International's coverage for key person insurance, including the terms to confirm in a quote. ## How to Use the The Baldwin Group vs HUB International Key Person Insurance Comparison Use this comparison to evaluate The Baldwin Group and HUB International for Key Person 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. ## The Baldwin Group vs HUB International Key Person Insurance Summary 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](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") ## 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. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/contact-us/ "Contact Us") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [9](https://content.naic.org/sites/default/files/publication-lig-lp-consumer-life.pdf "Life Insurance Buyer’s Guide") [10](https://www.principal.com/businesses/protect-my-business/key-person-protection "Key person protection") [11](https://www.sec.gov/Archives/edgar/data/1043846/000119312517327052/d481410dex99e.htm "Specimen Application for Life Insurance") ## 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](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") ### 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](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") ## 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](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") - Confirm the quoted policy’s applicable terms, issuing carrier and any coverage-specific limits or exclusions before binding. [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") ## The Baldwin Group vs HUB International Key Person Insurance Compared | 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. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC 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 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. [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not found in reviewed sources; scope: 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. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC 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 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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC 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 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. [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") (Evidence: Not publicly disclosed; scope: 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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not publicly disclosed; scope: 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. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC 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 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. [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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. [7](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: Executive benefits page call-to-action text..) | ## Related Pages for The Baldwin Group vs HUB International Key Person - [The Baldwin Group vs HUB International](https://spot.insure/compare/baldwin-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Key Person Insurance?](https://spot.insure/coverage/key-person): Key person life insurance pays the business if an insured founder, partner or employee dies; disability, overhead expense and buyout funding are separate needs. - [The Baldwin Group vs HUB International Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-hub-international/builders-risk) - [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 D&O Insurance](https://spot.insure/compare/baldwin-vs-hub-international/directors-officers) - [The Baldwin Group vs HUB International Employee Health Benefits](https://spot.insure/compare/baldwin-vs-hub-international/employee-health-benefits) - [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 Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-hub-international/inland-marine) - [The Baldwin Group vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-hub-international/kidnap-ransom) - [The Baldwin Group vs HUB International Management Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/management-liability) - [The Baldwin Group vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-hub-international/professional-errors-omissions) - [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) - [Alliance Risk vs The Baldwin Group Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/key-person) - [Alliance Risk vs HUB International Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/key-person) - [The Baldwin Group vs Embroker Key Person Insurance](https://spot.insure/compare/baldwin-vs-embroker/key-person) - [The Baldwin Group vs Founder Shield Key Person Insurance](https://spot.insure/compare/baldwin-vs-foundershield/key-person) - [The Baldwin Group vs RiskCube Key Person Insurance](https://spot.insure/compare/baldwin-vs-riskcube/key-person) - [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person) ## Sources for The Baldwin Group vs HUB International ### Sources About 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. [M&A, Private Equity & VC Risk Management](https://baldwin.com/business-insurance/solutions/private-equity/). 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 4. [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. 5. [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. 6. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; People Protection list: Workers' Compensation, Employee Benefits, Key Person Life & Disability, Retirement Plan Solutions, Kidnap & Ransom. Accessed 2026-09-23. 7. [Executive Benefits Solutions for C-suite](https://www.hubinternational.com/products/financial-services/executive-benefits/). 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 8. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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. 9. [Life Insurance Buyer’s Guide](https://content.naic.org/sites/default/files/publication-lig-lp-consumer-life.pdf). National Association of Insurance Commissioners; Compare policy types p.5; premiums/beneficiary/application p.6; policy review pp.7–8. Accessed 2026-09-16. 10. [Key person protection](https://www.principal.com/businesses/protect-my-business/key-person-protection). Principal; Key person insurance > Key person replacement disability insurance; Key person life insurance. Accessed 2026-09-16. 11. [Specimen Application for Life Insurance](https://www.sec.gov/Archives/edgar/data/1043846/000119312517327052/d481410dex99e.htm). 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. 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 Review Scores for 2026 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 Review Scores for 2026 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/key-person.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)