--- title: "The Baldwin Group vs StartupInsurance.ai: Fiduciary Liability Insurance" description: "StartupInsurance.ai offers fiduciary quote intake and a policy check focused on AI exclusions; The Baldwin Group describes plan-sponsor advisory and placement support." canonical: "https://spot.insure/compare/baldwin-vs-startupinsurance/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-startupinsurance" provider-a: "baldwin" provider-b: "startupinsurance" coverage-line: "fiduciary" --- 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-startupinsurance/fiduciary) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and StartupInsurance.ai for Fiduciary 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 Fiduciary Liability Insurance questions about The Baldwin Group versus StartupInsurance.ai. 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 StartupInsurance.ai for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, The Baldwin Group or StartupInsurance.ai? - What does The Baldwin Group or StartupInsurance.ai publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from The Baldwin Group or StartupInsurance.ai? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: The Baldwin Group and StartupInsurance.ai. - 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 StartupInsurance.ai](https://spot.insure/compare/baldwin-vs-startupinsurance) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence) - [The Baldwin Group vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-startupinsurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-startupinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/baldwin-vs-startupinsurance/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance? StartupInsurance.ai offers fiduciary quote intake and a policy check focused on AI exclusions; The Baldwin Group describes plan-sponsor advisory and placement support. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and StartupInsurance.ai for Fiduciary 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 StartupInsurance.ai’s policy check specifically flags AI exclusions in fiduciary forms, while The Baldwin Group’s reviewed pages focus on fiduciary brokerage and risk advice. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## 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 StartupInsurance.ai? StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [5](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## What Is Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [8](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### AI Exclusion Review StartupInsurance.ai says a major carrier has added blanket AI exclusions to fiduciary forms and offers a free policy check for that exclusion, including on fiduciary coverage. The Baldwin Group describes plan-related management-liability advice but its reviewed record does not mention an AI-exclusion review. For a renewal, ask StartupInsurance.ai to identify the exact endorsement and ask a Baldwin advisor to check whether the proposed or current form contains the same restriction. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### Intake and Carrier Detail StartupInsurance.ai includes fiduciary among seven online quote-intake lines, while The Baldwin Group describes a brokerage/advisory process without a public direct-intake path. StartupInsurance.ai does not name the fiduciary insurer, and Baldwin’s reviewed record does not identify the carrier for an individual placement. The quote must establish who issues the policy and which plan-management claims the form covers. [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask StartupInsurance.ai for the carrier and copy of any AI exclusion or endorsement that would apply at renewal. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Ask The Baldwin Group whether it reviews AI endorsements and what the proposed policy says about plan-management claims. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## Offering Details | Criteria | Baldwin Fiduciary Liability Brokerage and Advisory | StartupInsurance.ai Fiduciary Liability Insurance | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Fiduciary Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | StartupInsurance.ai names fiduciary liability as one of the lines its startup program places, alongside general liability, D&O, tech E&O, cyber, employment practices and crime. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name an insurer for fiduciary liability specifically; the homepage's carrier panel is program-wide and not broken out by coverage line. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel as read on 2026-09-23..) | | Who It’s For | Baldwin identifies employee-benefit plan sponsors and fiduciaries within its professional and real-estate management-liability discussions. The pages do not state a policy eligibility schedule. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | Confirm in your quote. | | Coverage Features | Baldwin describes fiduciary insurance as addressing claims against plan sponsors and fiduciaries alleging violations in plan or asset management, and lists fiduciary liability among real-estate management risks. Actual terms are policy-specific. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), typically arriving at renewal inside an endorsement, and that it checks policies for this exclusion. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed fiduciary policy carries this specific endorsement..) | | 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/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | Confirm in your quote. | | Risk Services | Baldwin describes management-liability program advice and risk assessment for its clients. The public pages do not state account-specific plan review, insurer or claims service terms. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions within 48 hours, and the homepage specifically calls out fiduciary as one of the forms affected by the AI-exclusion trend it checks for. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) | | How to Apply | Confirm in your quote. | "Fiduciary" is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "claims related to employee benefit plan management." [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) | ## Full Comparison - [The Baldwin Group vs StartupInsurance.ai](https://spot.insure/compare/baldwin-vs-startupinsurance): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [The Baldwin Group vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-startupinsurance/builders-risk) - [The Baldwin Group vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-startupinsurance/commercial-auto) - [The Baldwin Group vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-startupinsurance/commercial-property) - [The Baldwin Group vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/baldwin-vs-startupinsurance/surety-bonds) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) - [AIG vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/fiduciary) - [Alliance Risk vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/fiduciary) - [Alliance Risk vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/fiduciary) - [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) - [Aon vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-startupinsurance/fiduciary) ## 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. [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 2026-09-30. 4. [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 2026-09-30. ### StartupInsurance.ai 5. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 6. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23. 7. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 8. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 9. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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). ## StartupInsurance.ai Reviews Review Score: not enough ratings. StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-startupinsurance/fiduciary.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)