The Baldwin Group vs USI Insurance Services

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. ^{18,21,19,17,15,22,23}Company-reported. Company marketing pages for the named sectors; the listings do not establish policy wording, eligibility, jurisdictional availability or insurer commitments.

USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. ^35,40Company-reported. Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.

USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. ^{34,36,37,38,42}Company-reported. Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.

USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. ^39,37Company-reported. Employer-sponsored benefits brokerage/consulting. Not individual health insurance.

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. ^5,6,3,7Company-reported. 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.

USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. ^35,34,30,42Company-reported. Public inquiry paths as of access date. Not an application completeness or speed claim.

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. ³Company-reported. The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.

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. ⁷Company-reported. Public contact and service entry points on Baldwin's US-facing site; portal capabilities and service timing were not established by the page.

USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. ^28,35,34Company-reported. Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.

USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. ^43,26Company-reported. Risk-control tool as marketed. Access for a given client is not specified on the public pages.

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. ²Company-reported. 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.

Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. ³³Company-reported. USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.

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. ⁸Company-reported. 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.

USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. ^30,44,45,34Company-reported. Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.

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. ^{2,13,18,21,19,17,15}Not found in reviewed sources. Reviewed official group disclosure and commercial pages on 2026-09-29; it does not establish that no licensed affiliates, carriers, or partner arrangements exist.

USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. ^{40,35,34,32,44}Not publicly disclosed. Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.

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. ²⁴Company-reported. Company location directory only; no state producer-license lookup or line-by-state availability test was completed.

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. ^25,24,3,2Not found in reviewed sources. 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.

USI states that it is headquartered at 100 Summit Lake Drive, Suite 400, Valhalla, New York, with more than 10,000 professionals across over 200 U.S. offices, and that it serves every state. That is a company description of its office network and service footprint. It does not, by itself, establish that a particular commercial product is admitted, surplus-lines, or otherwise available in California or any other named state. ^29,27,30,26Company-reported. Headquarters and U.S. office-network claims on current official pages.

A USI Insurance Services LLC staff biography lists a San Francisco office and prints CA DOI License # 0G11911. The reviewed usi.com practice pages do not state which commercial products are available to California-domiciled startups, whether placements are admitted or surplus lines, or which licensed entity would appear on a California policy. Current California producer-license status remains independently unverified. A California office address is not treated as product eligibility. ^47,35,34,29Company-reported. Unresolved California contracting route for commercial P&C and benefits. Company-reported license number only.