---
title: "The Baldwin Group vs HUB International"
description: "How The Baldwin Group’s commercial advisory and risk-management approach compares with HUB International’s documented business-insurance route and service."
canonical: "https://spot.insure/compare/baldwin-vs-hub-international"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---
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[Human-readable page](https://spot.insure/compare/baldwin-vs-hub-international)
# The Baldwin Group vs HUB International
How The Baldwin Group’s commercial advisory and risk-management approach compares with HUB International’s documented business-insurance route and service.
## Before You Quote
Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.
## Highlights
The Baldwin Group describes commercial risk advice and an advisor-led route alongside online quote intake. HUB International documents a distinct business-insurance role and market or service model; fit depends on the buyer’s risk, desired support and proposed terms. [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/transparency-disclosure/ "Transparency & Disclosure") [29](https://www.hubinternational.com/about-us/ "About Us") [30](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [33](https://www.hubinternational.com/contact-us/ "Contact Us") [36](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")
## Provider Reliability Assessments
These sourced assessments are shown for context; this comparison does not select a winner.
### The Baldwin Group
Role: Broker.
Broker Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29.
Read the [full reliability assessment](https://spot.insure/insurance-providers/baldwin/reliability).
### HUB International
Role: Broker.
Broker Spot Score: **5.5/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).
Read the [full reliability assessment](https://spot.insure/insurance-providers/hub-international/reliability).
## 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).
## Introduction
This pairing matters when a business is choosing between a broad commercial advisory relationship and HUB International’s documented approach. The distinction affects who helps shape the program, how the buyer enters the process and which questions belong in the proposal. The 2025 Form 10-K describes The Baldwin Insurance Group, Inc. as an insurance distribution firm and holding-company parent and sole managing member of The Baldwin Insurance Group Holdings, LLC. That filing uses “Baldwin” for the Inc. parent and its consolidated subsidiaries and affiliates. The January 1, 2026 transparency disclosure defines “The Baldwin Group” as Holdings LLC and its affiliated entities; the September 14, 2026 investor release uses “The Baldwin Group” as the brand for the Inc. parent and affiliates. These source-specific group descriptions do not identify the licensed producer or insurer for a particular policy. [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") HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. [29](https://www.hubinternational.com/about-us/ "About Us")
## Coverage Comparison
| Coverage Type | The Baldwin Group | HUB International |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Listed for digital-infrastructure projects and in commercial real-estate construction risk. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") | Listed: HUB International arranges builders risk insurance. [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: HUB International arranges business owner’s policies for small and midsized businesses. [43](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Transportation page lists cargo insurance; it does not state a particular transit form or coverage terms. [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: HUB International arranges cargo insurance. [53](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Listed for government-contracting, transportation and digital-infrastructure exposures. [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: HUB International arranges commercial auto insurance. [45](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Listed for real-estate, professional-services and other named commercial sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: HUB International arranges commercial property insurance. [44](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Listed as commercial crime or crime/fidelity within specified sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: HUB International arranges commercial crime insurance. [46](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [16](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") | Listed: HUB International arranges cyber insurance. [38](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [20](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") | Listed: HUB International arranges directors and officers liability insurance. [37](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Baldwin’s filing attributes employee-benefit services to Insurance Advisory Solutions; commercial-sector pages describe employee-benefit solutions. This is advisory/benefits scope, not a medical plan catalogue. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [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") | Listed: HUB International arranges employee health and benefits programs. [55](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [26](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Listed as employment-practices liability for the named commercial sector examples. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: HUB International arranges employment practices liability insurance. [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Listed as machinery/equipment breakdown for digital-infrastructure and transportation exposures. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: HUB International arranges equipment breakdown insurance. [54](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Baldwin’s professional-services coverage snapshot lists commercial crime/fidelity bond; it does not specify bond terms or eligibility. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") | Listed: HUB International arranges crime and fidelity coverage through its professional and executive risk practice. [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Listed as fiduciary liability for named commercial-sector audiences. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Listed: HUB International arranges fiduciary liability insurance. [47](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Listed as general liability for professional-services clients and as a consideration for other named business sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: HUB International arranges general liability insurance. [36](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Not listed | Listed: HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage. [45](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Listed as intellectual-property liability in the professional-services coverage snapshot. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") | Not listed |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Listed as a benefit/insurance solution in the M&A practice context; ask which legal entity and carrier provide it. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: HUB International arranges key person life and disability insurance. [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Listed under professional and specialty risk on the real-estate page; no terms or eligibility are specified. [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") | Listed: HUB International arranges kidnap and ransom insurance. [48](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [20](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") | Listed: HUB International arranges management liability insurance through its professional and executive risk practice. [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: HUB International arranges medical professional liability insurance for health care professionals. [50](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: HUB International arranges product liability insurance. [52](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: HUB International arranges product recall insurance. [52](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Listed as professional liability/E&O for professional-services and government-contractor audiences. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: HUB International arranges professional errors and omissions insurance. [39](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: The M&A practice says its team can negotiate and place representations-and-warranty policies. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: HUB International arranges representations and warranties insurance. [51](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Dedicated surety practice describes bond advisory/placement across contract, commercial and subdivision contexts. [23](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") | Listed: HUB International arranges surety bonds. [49](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: HUB International arranges technology errors and omissions insurance. [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Baldwin lists inland and ocean marine among coverages that may be considered for digital-infrastructure clients; this entry covers inland marine only. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: HUB International arranges inland marine insurance through its marine practice. [53](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") |
| [Trucking](https://spot.insure/coverage/trucking) | Not listed | Listed: HUB International arranges trucking insurance. [45](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Listed among coverages that may be considered for digital-infrastructure clients and within the M&A practice’s P&C strategy. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: HUB International arranges umbrella and excess liability insurance. [52](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Not listed | Listed: HUB International arranges virtual care insurance for health care organizations. [56](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [14](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") | Listed: HUB International arranges workers’ compensation insurance. [42](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
## Optional Spot Service Handoff
Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.
## Key Differences Between The Baldwin Group and HUB International
### Match the Placement Route to the Work You Need
The Baldwin Group describes a risk-advisory process and invites business prospects to speak with an advisor; its online route is an intake, not proof of a completed quote or bind. HUB International documents a different role and buyer entry point. Decide whether you need help assessing a wider program or want to start with the specific product and route documented for this provider. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [33](https://www.hubinternational.com/contact-us/ "Contact Us")
Baldwin’s business-insurance quote page shows a three-step online intake. Its visible first step asks for a revenue band, company and headquarters details, and contact information; the “Get a quote” link points to app.foundershield.com. Baldwin’s business page and contact page also invite prospects to speak with an advisor. The reviewed evidence does not establish a completed quote, purchase, or policy bind through this route. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [3](https://baldwin.com/business-insurance/ "Business Insurance") [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: The specific business-insurance quote page inspected on September 28, 2026; the first of three steps was visible and its quote link pointed to app.foundershield.com. Do not generalize this route to all Baldwin commercial prospects or products.; verified: 2026-09-28.)
Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. [33](https://www.hubinternational.com/contact-us/ "Contact Us") [36](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [38](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [31](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.)
### Compare the Proposed Coverage to the Exposure
The catalogue descriptions do not establish equivalent policy language. The Baldwin Group lists coverage in the context of named sectors, while HUB International documents its own product scope. Request forms, endorsements, limits, retentions and exclusions matched to your operations and customer contracts. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [34](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy")
Baldwin’s current commercial pages list or describe a range of business coverage for named sectors, including professional services, transportation, government contractors, real estate, digital infrastructure, construction, and M&A. These are company-described lines or considerations for those audiences, not a universal catalogue or a statement that every line is available to every buyer. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [23](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: Company marketing pages for the named sectors; the listings do not establish policy wording, eligibility, jurisdictional availability or insurer commitments.; verified: 2026-09-29.)
Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. [34](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [36](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [45](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [38](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [37](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [39](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [46](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [47](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [48](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [49](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [50](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [53](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [54](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [51](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [52](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [55](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)
### Set Expectations for Service and Total Cost
Ask for the account-specific premium, taxes, fees and producer compensation. The Baldwin Group discloses group-level arrangements, while HUB International describes its own compensation approach; neither description sets the amount or arrangement for this placement. [3](https://baldwin.com/business-insurance/ "Business Insurance") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [32](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")
For business insurance, Baldwin describes a five-step RiskMap process: insurance analysis, risk identification, insurance strategy, data-informed decisions, and continual assessment and optimization as risks evolve. [3](https://baldwin.com/business-insurance/ "Business Insurance") (Evidence: Company-reported; scope: The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.; verified: 2026-09-28.)
HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [58](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [55](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.)
## What to Confirm in Quotes
- Which legal producer will advise and place the account, and which insurer will issue each policy? [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") [29](https://www.hubinternational.com/about-us/ "About Us")
- Which proposed forms, limits, retentions and endorsements address the business’s actual contracts and operations? [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [34](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy")
- Who owns renewal preparation, certificates, policy changes and claims notice, and what response commitments apply? [3](https://baldwin.com/business-insurance/ "Business Insurance") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- What are the account-specific premium, taxes, fees and producer compensation arrangements? [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [32](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")
## Compare Services
What each provider documents about the services you may need.
| Criteria | The Baldwin Group | HUB International |
| --- | --- | --- |
| Coverage lines | Baldwin’s current commercial pages list or describe a range of business coverage for named sectors, including professional services, transportation, government contractors, real estate, digital infrastructure, construction, and M&A. These are company-described lines or considerations for those audiences, not a universal catalogue or a statement that every line is available to every buyer. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [23](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: Company marketing pages for the named sectors; the listings do not establish policy wording, eligibility, jurisdictional availability or insurer commitments.; verified: 2026-09-29.) | Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. [34](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [36](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [45](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [38](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [37](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [39](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [46](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [47](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [48](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [49](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [50](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [53](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [54](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [51](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [52](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [55](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)
Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) |
| Application process | Baldwin’s business-insurance quote page shows a three-step online intake. Its visible first step asks for a revenue band, company and headquarters details, and contact information; the “Get a quote” link points to app.foundershield.com. Baldwin’s business page and contact page also invite prospects to speak with an advisor. The reviewed evidence does not establish a completed quote, purchase, or policy bind through this route. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [3](https://baldwin.com/business-insurance/ "Business Insurance") [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: The specific business-insurance quote page inspected on September 28, 2026; the first of three steps was visible and its quote link pointed to app.foundershield.com. Do not generalize this route to all Baldwin commercial prospects or products.; verified: 2026-09-28.) | Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. [33](https://www.hubinternational.com/contact-us/ "Contact Us") [36](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [38](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [35](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [31](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) |
| Servicing and renewals | For business insurance, Baldwin describes a five-step RiskMap process: insurance analysis, risk identification, insurance strategy, data-informed decisions, and continual assessment and optimization as risks evolve. [3](https://baldwin.com/business-insurance/ "Business Insurance") (Evidence: Company-reported; scope: The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.; verified: 2026-09-28.)
Baldwin's contact page provides an existing-policy assistance route that asks for the policy type and the customer's US state, and links to a client portal. The page also directs business-insurance prospects to speak with an advisor. [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public contact and service entry points on Baldwin's US-facing site; portal capabilities and service timing were not established by the page.; verified: 2026-09-28.) | HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [58](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [55](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) |
| Fees and compensation | In a disclosure effective January 1, 2026, The Baldwin Group says compensation may include insurer-paid commissions, negotiated client fees, and contingent commissions tied to goals measured across a book of business. It also describes separate compensation for certain insurer-partner administration, claims, wholesaling, and managing-general-agent services, among other arrangements. The disclosure is group-wide and does not say which arrangements apply to a particular policy. [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") (Evidence: Company-reported; scope: The Baldwin Group's group-level compensation disclosure effective January 1, 2026; not the fee or commission terms for a specific commercial account, affiliate, insurer, or placement.; verified: 2026-09-28.) | Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. [32](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) |
| Claims assistance | Baldwin says its claims-advocacy team works with clients, their claim service providers, and other partners before, during, and after a loss to help manage claims and consider resolution strategies. This describes an advocacy service, not who decides coverage or pays a particular claim. [8](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/ "Risk Mitigation Services") (Evidence: Company-reported; scope: Company-described commercial claims-advocacy service; it does not establish that Baldwin is the insurer or claim decision-maker for a policy, or guarantee a claim outcome.; verified: 2026-09-28.) | HUB says its claims team provides advocacy, dispute support and administration, with 225+ professionals and 24-hour reporting metrics; these are company-reported process claims, not a prediction of how your insurer will handle a loss. [57](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) |
| Access to insurers | The reviewed group disclosure and commercial product pages do not identify a licensed agency or issuing insurer for a buyer’s specific policy or for each listed line. Ask Baldwin to identify both on each quote and binder. [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [13](https://baldwin.com/business-insurance/ "Commercial Liability Insurance & Risk Management") [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (Evidence: Not found in reviewed sources; scope: Reviewed official group disclosure and commercial pages on 2026-09-29; it does not establish that no licensed affiliates, carriers, or partner arrangements exist.; verified: 2026-09-29.) | Ask which insurers will quote your business: HUB says it accesses hundreds but focuses on strategic carriers that may pay enhanced compensation; public pages do not provide a complete panel or identify your issuing insurer. [32](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [44](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [52](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [53](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [41](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)
Insureon names Hartford, Chubb, Hiscox, Liberty Mutual and Travelers among 100+ providers, but that list applies to its digital agency and does not establish the insurer for a HUB retail policy. [59](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) |
| Availability | Baldwin’s location page says its teams serve clients nationally in all 50 states. That office-directory statement does not identify which licensed entity can place a given line or whether a risk qualifies in a particular state. [24](https://baldwin.com/locations/ "Locations") (Evidence: Company-reported; scope: Company location directory only; no state producer-license lookup or line-by-state availability test was completed.; verified: 2026-09-29.)
Baldwin’s own License page lists California license numbers for six named entities. The page does not state each number’s license class or current status, or connect an entry to a specific commercial line, policy, or placement. The location page separately says teams serve all 50 states; that is not a state-by-state authority or line-availability record. [25](https://baldwin.com/license/ "License") [24](https://baldwin.com/locations/ "Locations") [3](https://baldwin.com/business-insurance/ "Business Insurance") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") (Evidence: Not found in reviewed sources; scope: Provider-published California number disclosure and the group’s commercial placement materials as inspected 2026-09-29. This fact records exactly the page’s label and does not imply independent regulator verification, license class, current status, or authority for a particular line.; verified: 2026-09-29.) | HUB’s 700+ North American offices and San Francisco locations provide local broker access, but do not establish product availability, insurer or California binding authority. [29](https://www.hubinternational.com/about-us/ "About Us") [28](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers") [26](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [27](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.; verified: 2026-09-16.)
Ask which producer and surplus-lines entity will handle a California account: HUB does not name the entity for its San Francisco offices, while Insureon lists California license 0L09546 for SPG Insurance Solutions, not independently verified. [30](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [26](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [60](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [63](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") (Evidence: Not found in reviewed sources; scope: Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.; verified: 2026-09-16.) |
## Related Reading
- [What Is the Baldwin Group?](https://spot.insure/insurance-providers/baldwin)
- [What Is HUB International?](https://spot.insure/insurance-providers/hub-international)
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- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international)
- [Coterie Insurance vs HUB International](https://spot.insure/compare/coterie-vs-hub-international)
- [Counterpart vs HUB International](https://spot.insure/compare/counterpart-vs-hub-international)
- [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international)
- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international)
- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international)
## Sources
### [The Baldwin Group Official Website](https://baldwin.com/business-insurance/)
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. [Transparency & Disclosure](https://baldwin.com/transparency-disclosure/). The Baldwin Group; Effective January 1, 2026, opening definition, line 37; compensation disclosures, lines 45–68; accessed 2026-09-28. Accessed 2026-09-28.
3. [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.
4. [Business Insurance Industries](https://baldwin.com/business-insurance/industries/). The Baldwin Group; “Tailored commercial risk strategies,” lines 21–23; industry spotlights lines 26–170; accessed 2026-09-28. Accessed 2026-09-28.
5. [Business Insurance Quote](https://baldwin.com/business-insurance/quote/). The Baldwin Group; Step 1 of 3, lines 20–34; “Get a quote” link destination at line 33; company/headquarters/contact/consent fields lines 35–79; accessed 2026-09-28. Destination content not inspected. Accessed 2026-09-28.
6. [Innovation Economy](https://baldwin.com/business-insurance/solutions/innovation-economy/). The Baldwin Group; Current page opening: “Innovation Practice”; lines 19–23 describe The Baldwin Group’s Innovation Practice and link “Connect with us” to foundershield.com. No “innovation arm” statement appears on the reopened page. Accessed 2026-09-28.
7. [Contact Us](https://baldwin.com/contact-us/). The Baldwin Group; Business Insurance advisor route, lines 42–46; existing-policy assistance questions and client portal link, lines 80–110; accessed 2026-09-28. Accessed 2026-09-28.
8. [Risk Mitigation Services](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/). The Baldwin Group; Risk Mitigation; Claims Advocacy. Accessed 2026-09-28.
9. [The Baldwin Group to Go Private Through Majority Investment by Sequence Holdings and Dell Family Office](https://ir.baldwin.com/news-releases/news-release-details/baldwin-group-go-private-through-majority-investment-sequence/). The Baldwin Group Investor Relations; September 14, 2026 release; transaction announcement and highlights, lines 36 and 49–51; “About The Baldwin Group” brand definition, lines 64–66; accessed 2026-09-28. Accessed 2026-09-28.
10. [The Baldwin Group](https://baldwin.com/). The Baldwin Group; Current header banner: The Baldwin Group to go private; linked CEO message. Accessed 2026-09-28.
11. [The Baldwin Insurance Group, Inc. Form 8-K dated September 14, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_8k.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Item 1.01, Agreement and Plan of Merger parties/transaction structure at lines 76–83; Parent ownership and DFO equity financing at lines 80–81; closing conditions at lines 115–117; Exhibit 2.1 at lines 230–240. Accessed 2026-09-28.
12. [Agreement and Plan of Merger, dated September 14, 2026 (Exhibit 2.1 to Form 8-K)](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_ex0201.htm). The Baldwin Insurance Group, Inc.; filed as an exhibit with the U.S. Securities and Exchange Commission; Exhibit 2.1 preamble, lines 204–205; recitals, lines 209–210; initial merger sections 2.02–2.03, lines 707–745; Second LLC Merger section 2.10, lines 835–840; accessed 2026-09-28. Accessed 2026-09-28.
13. [Commercial Liability Insurance & Risk Management](https://baldwin.com/business-insurance/). The Baldwin Group; Business Insurance, lines 71–83: commercial coverage experts; Cyber coverage solution; additional coverage tiles continue below; page accessed 2026-09-29. Accessed 2026-09-29.
14. [Workers’ Compensation Insurance](https://baldwin.com/business-insurance/solutions/workers-comp/). The Baldwin Group; “Workers’ compensation, in focus,” lines 33–49; “Risk Reduction,” lines 63–76; coverage services, insurance-market access and dedicated claims advocates; accessed 2026-09-29. Accessed 2026-09-29.
15. [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 2026-09-29.
16. [Cyber Liability Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/cyber/). The Baldwin Group; Opening and expertise lines 19–38; FAQ coverage examples lines 90–100; incident-response support and insurer/partner access; accessed 2026-09-29. Accessed 2026-09-29.
17. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). 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 2026-09-29.
18. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-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 2026-09-29.
19. [Government Contractor Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/government/). The Baldwin Group; GovCon customer/service description lines 21–33; GovTech collaboration, customer scope and coverage considerations lines 93–111; risk-mitigation service lines 113–118; accessed 2026-09-29. Accessed 2026-09-29.
20. [Directors & Officers Liability Insurance](https://baldwin.com/business-insurance/solutions/management-liability/). The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29. Accessed 2026-09-29.
21. [Transportation Insurance & Risk Management](https://baldwin.com/business-insurance/industries/transportation/). The Baldwin Group; Transportation advisors and partner market access lines 42–48; RiskMap and program reviews lines 53–75; listed line options lines 86–113; fleet risk resources lines 118–131; Employee benefits lines 133–173; accessed 2026-09-29. Accessed 2026-09-29.
22. [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 2026-09-29.
23. [Surety Bond Insurance for Construction & Commercial Sectors](https://baldwin.com/business-insurance/solutions/surety/). The Baldwin Group; Surety advisor/client/insurer relationship descriptions lines 40–58; bond functions, bond forms and business sectors in “Surety Snapshot” and “Industry Coverage,” lines 60–150; accessed 2026-09-29. Accessed 2026-09-29.
24. [Locations](https://baldwin.com/locations/). The Baldwin Group; “Find a location,” lines 17–21: company says office teams serve clients nationally in all 50 states; office listing starts at line 28. Accessed 2026-09-29; location presence/service listing does not prove a state agency license or a line’s availability. Accessed 2026-09-29.
25. [License](https://baldwin.com/license/). The Baldwin Group; Table headed “Legal Entity | CA License Number”, six entries, page lines 17–24; accessed 2026-09-29. Accessed 2026-09-29.
### [HUB International Official Website](https://www.hubinternational.com)
26. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; Page metadata naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
27. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
28. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
29. [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.
30. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
31. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
32. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
33. [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.
34. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
35. [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.
36. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
37. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
38. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
39. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
40. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
41. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
42. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
43. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
44. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
45. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
46. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
47. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
48. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
49. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
50. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
51. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
52. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
53. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
54. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
55. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
56. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
57. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
58. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
59. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
60. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
61. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
62. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
63. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page. 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.
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