The Baldwin Group vs 
HUB International: How Do They Compare for Kidnap and Ransom 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 Kidnap and Ransom Insurance?
Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. 9,10,11
Key Differences in Kidnap and Ransom Insurance
The Buyers Each Describe
HUB markets K&R to organizations with internationally traveling executives, employees working abroad or at home, other critical personnel and their families. Baldwin lists K&R among specialty risks for real-estate clients but provides no applicant or territorial schedule. A real-estate company with domestic field staff or employee families traveling abroad should ask Baldwin whether its proposed insured-person definition matches HUB’s stated audience. 3 8
Service After You Buy
HUB’s ProEx practice provides analytics, litigation support and risk-management services, including access to attorneys focused on executive and professional risks; HUB also directs K&R prospects to a broker. Baldwin describes risk management and claims advocacy for real-estate clients. Compare which team will advise on a K&R incident and whether its support is part of the placement. 3 7
What to Confirm in Kidnap and Ransom Insurance Quotes
- Ask HUB to identify the insurer, limits and family/employee definition in the proposed policy. Ask Baldwin to confirm covered persons, territory, response services and the K&R claims contact. 3
- Confirm the quoted policy’s applicable terms, issuing carrier and any coverage-specific limits or exclusions before binding. 8
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 Kidnap and Ransom Compared
The Baldwin Group vs HUB International: Kidnap and Ransom Insurance: documented features by provider
| Criteria | Baldwin Kidnap and Ransom Brokerage Advisory | HUB International Kidnap and Ransom Insurance Brokerage |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Kidnap and Ransom. 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 kidnap and ransom (K&R) insurance both as a standalone product page offering and as one of the Executive Liability coverages in its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 7,8Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The K&R product page and the ProEx page do not name an issuing insurer for K&R policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 7,8Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific K&R placement depends on the quote. |
| Who It’s For | Baldwin’s real-estate practice lists owners, developers, managers, REITs, lenders, private-equity firms and family offices among its clients. This source does not publish a K&R applicant eligibility or territorial schedule. 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 K&R coverage to organizations with executives who travel internationally, employees working abroad or domestically, and other key personnel whose safety is considered critical to the organization, plus their families. 7Company-reported. K&R product page target-audience description; not an underwriting appetite statement. |
| Coverage Features | Baldwin lists kidnap/ransom among professional and specialty risks in its real-estate coverage snapshot. It does not describe covered events, response services, territorial scope 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 cites roughly 15,000 kidnap, extortion or illegal-detention incidents a year generating about half a billion dollars in ransom payments, and says an organization can face significant costs even when no ransom is paid. 7Company-reported. K&R product page risk-framing statistics; company-reported and not independently verified by Spot. HUB's K&R product page cross-references directors and officers liability, business interruption and cyber coverage as related protections, and its ProEx practice groups K&R with other Executive Liability lines such as D&O, employment practices liability and fiduciary liability. 7,8Company-reported. K&R product page related-coverage links and ProEx coverage list; the pages do not describe specific K&R insuring agreements, sublimits or exclusions. |
| 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 K&R policy limits or retentions were not found on the reviewed pages. 7,8Not publicly disclosed. Checked the K&R product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Baldwin describes risk management, tailored coverage strategies and claims advocacy for real-estate clients. It does not identify the K&R insurer or response-consultant terms for an account. 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 practice, which lists K&R among its Executive Liability coverages, provides analytics, litigation support and risk-management services led by a named practice leader, and gives clients access to a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages. 8Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement. |
| How to Apply | Confirm in your quote. | HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. 7Company-reported. K&R product page call to action. |
Related Pages for The Baldwin Group vs HUB International
Kidnap and Ransom Pages for The Baldwin Group and HUB International
Other Coverage Lines Compared for The Baldwin Group vs HUB International
Other Kidnap and Ransom Insurance Provider Comparisons
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.
- 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.
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; 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.
- Kidnap and Ransom Insurance Brokers. HUB International; Why coverage is needed: kidnap, extortion and illegal detention risk; incident and ransom-payment statistics; target audience of traveling executives, employees abroad and their loved ones; costs beyond ransom payment; Connect With a Broker call to action; cross-references to D&O, business interruption and cyber coverage. Accessed 2026-09-23.
- HUB ProEx. HUB International; ProEx Coverages list including Kidnap, Ransom, and Extortion insurance under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Sources for the Kidnap and Ransom Insurance Guide
- Kidnap and Ransom Applications and Forms. Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
- The Chubb Primary Kidnap Ransom and Extortion Insurance. Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
- Kidnap and Ransom Coverage. Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.
