--- title: "The Baldwin Group vs HUB International: Umbrella and Excess Liability Insurance" description: "Baldwin advises on umbrella and excess for commercial programs; HUB brokers casualty layers across named industries and applies risk and claims expertise." canonical: "https://spot.insure/compare/baldwin-vs-hub-international/umbrella-excess" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-hub-international" provider-a: "baldwin" provider-b: "hub-international" coverage-line: "umbrella-excess" --- 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/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and HUB International for Umbrella and Excess Liability 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 Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, The Baldwin Group or HUB International? - What does The Baldwin Group or HUB International publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from The Baldwin Group or HUB International? **Key facts:** - Line: Umbrella and Excess Liability 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 - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 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 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 Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs HUB International: How Do They Compare for Umbrella and Excess Liability Insurance? Baldwin advises on umbrella and excess for commercial programs; HUB brokers casualty layers across named industries and applies risk and claims expertise. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and HUB International for Umbrella and Excess Liability 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. ## Summary HUB describes coverage above general liability, auto and employers’ liability and names six casualty industries; Baldwin focuses on digital infrastructure and portfolio programs. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [4](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ## 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. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Umbrella and Excess Liability Insurance? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [12](https://www.coverdash.com/coverage "Coverage Hub") [13](https://kinro.com/products "Products") ## Key Differences in Umbrella and Excess Liability Insurance ### Commercial sectors and casualty reach Baldwin lists umbrella and excess for digital-infrastructure clients and M&A portfolio companies. HUB says its casualty practice spans transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate. A business in one of those sectors can use HUB’s named industry experience as a starting point, while Baldwin’s record speaks more directly to infrastructure and portfolio strategies; neither list guarantees underwriting appetite. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ### Carrier relationships and claims services HUB describes layers over general liability, auto and employers’ liability and says it brings carrier relationships plus risk, claims, litigation and analytics expertise. Baldwin also describes risk assessment, program design and claims management, but does not identify an insurer or attachment terms. Buyers should compare the service teams and require the quote to name every underlying policy and issuing carrier. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ## What to Confirm in Umbrella and Excess Liability Insurance Quotes - Ask HUB which carrier and underlying policies support the proposed casualty layer. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Ask Baldwin how its program and claims services apply to your industry and attachment point. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ## Offering Details | Criteria | Baldwin Umbrella and Excess Liability Brokerage Advisory | HUB International Umbrella and Excess Liability Insurance Brokerage | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Umbrella and Excess Liability. 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") [4](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | | Issuing Insurer | Confirm in your quote. | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there..) | | Who It’s For | Baldwin lists umbrella/excess liability among possible digital-infrastructure coverages and a complete P&C strategy for M&A portfolio companies. The pages do not establish an insured’s eligibility. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [4](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria..) | | Coverage Features | Baldwin lists umbrella and excess liability as coverage options in those commercial programs. It does not identify underlying policies, attachment points, follow-form terms or limits. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [4](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page coverage description; 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](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [4](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations..) | | Risk Services | Baldwin describes risk assessment, program design, claims management and support for digital-infrastructure clients and portfolio companies. [3](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [4](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. [8](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail..) | ## Full Comparison - [The Baldwin Group vs HUB International](https://spot.insure/compare/baldwin-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [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 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 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 Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-hub-international/workers-compensation) - [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess) - [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess) - [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) - [Amelia Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/umbrella-excess) - [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) ## Sources ### 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. 4. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/digital-infrastructure/). The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29.. Accessed 2026-09-30. ### HUB International 5. [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. 6. [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. 7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 8. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23. ### Umbrella and Excess Liability Insurance Guide 9. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16. 11. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16. 12. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 13. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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 Reviews 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 Reviews 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/umbrella-excess.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)