--- title: "The Baldwin Group vs The Hartford: Crime Insurance" description: "The Hartford names employee theft, forgery and robbery within crime coverage; The Baldwin Group lists commercial crime options without enumerating losses." canonical: "https://spot.insure/compare/baldwin-vs-the-hartford/crime" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-the-hartford" provider-a: "baldwin" provider-b: "the-hartford" coverage-line: "crime" --- 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-the-hartford/crime) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and The Hartford for Crime 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 Crime Insurance questions about The Baldwin Group versus The Hartford. 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 The Hartford for Crime Insurance: how do they differ? - Which is better for Crime Insurance, The Baldwin Group or The Hartford? - What does The Baldwin Group or The Hartford publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from The Baldwin Group or The Hartford? **Key facts:** - Line: Crime Insurance. Providers: The Baldwin Group and The Hartford. - 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 The Hartford](https://spot.insure/compare/baldwin-vs-the-hartford) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence) - [The Baldwin Group vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs The Hartford Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs The Hartford Cyber Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs The Hartford Crime Insurance](https://spot.insure/compare/aig-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Hartford Crime Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs The Hartford Crime Insurance](https://spot.insure/compare/aon-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs The Hartford: How Do They Compare for Crime Insurance? The Hartford names employee theft, forgery and robbery within crime coverage; The Baldwin Group lists commercial crime options without enumerating losses. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and The Hartford for Crime 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 The Hartford gives employee theft, forgery and robbery as crime examples in its management-liability lineup; The Baldwin Group’s reviewed listing does not name covered events. [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") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## 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 The Hartford? The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) ## What Is Crime Insurance? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [12](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [13](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## Key Differences in Crime Insurance ### Crime examples and package The Hartford says its crime coverage can help with employee theft, forgery or robbery and places the option within Private Choice Premier management liability; it also has a financial-institutions track. The Baldwin Group lists crime or fidelity options for professional-services and real-estate programs but does not state which loss events a proposed policy covers. Buyers should compare the quote schedules for employee dishonesty and third-party fraud rather than assume the line label means the same thing. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### Audience and insurer details The Hartford names nonprofit, publicly traded and privately held organizations as audiences for its management-liability crime coverage. The Baldwin Group identifies firms and property organizations among clients whose programs may include crime, without establishing underwriting eligibility. Baldwin’s record does not identify the risk-bearing insurer for an individual placement; the quote should make that explicit. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## What to Confirm in Crime Insurance Quotes - Ask The Hartford which Private Choice Premier crime agreement and limits apply to your entity and whether it can be placed outside the package. - Ask The Baldwin Group to name the carrier, policy form and employee-theft and robbery terms in its proposal. ## Offering Details | Criteria | Baldwin Commercial Crime Brokerage and Advisory | The Hartford Crime Insurance | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Commercial Crime. 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..) | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) | | Who It’s For | Baldwin’s professional-services and real-estate pages identify firms and property organizations as clients whose programs may include crime coverage. This does not determine an applicant’s underwriting eligibility. [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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) | | Coverage Features | Baldwin lists commercial crime or crime/fidelity as insurance options for the cited commercial sectors. It does not describe a specific crime policy, covered loss trigger, limit or exclusion. [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..) | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) | | 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 tailored commercial risk guidance, policy planning and claims advocacy for the named practices. It does not claim to adjudicate a carrier’s crime-policy claim. [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..) | Confirm in your quote. | ## Full Comparison - [The Baldwin Group vs The Hartford](https://spot.insure/compare/baldwin-vs-the-hartford): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms. - [The Baldwin Group vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/commercial-auto) - [The Baldwin Group vs The Hartford Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/commercial-property) - [The Baldwin Group vs The Hartford Cyber Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/cyber) - [The Baldwin Group vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/employment-practices) - [The Baldwin Group vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/fiduciary) - [The Baldwin Group vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/workers-compensation) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) - [AIG vs The Hartford Crime Insurance](https://spot.insure/compare/aig-vs-the-hartford/crime) - [Alliance Risk vs The Baldwin Group Crime Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/crime) - [Alliance Risk vs The Hartford Crime Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/crime) - [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) - [Aon vs The Hartford Crime Insurance](https://spot.insure/compare/aon-vs-the-hartford/crime) ## 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. ### The Hartford 5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16. 7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 8. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23. ### Crime Insurance Guide 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. 10. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 11. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 12. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 13. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. 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). ## The Hartford Reviews Review Score: 4.9 / 10 from 5 rated sources, equally weighted. The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance) - J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-the-hartford/crime.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)