--- title: "The Baldwin Group vs USI Insurance Services: D&O Insurance" description: "USI offers an ExecuSafe endorsement package aimed at small and medium businesses, while Baldwin describes advisory D&O programs without a named package." canonical: "https://spot.insure/compare/baldwin-vs-usi/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-usi" provider-a: "baldwin" provider-b: "usi" coverage-line: "directors-officers" --- 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-usi/directors-officers) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and USI Insurance Services for D&O 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 D&O Insurance questions about The Baldwin Group versus USI Insurance Services. 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 USI Insurance Services for D&O Insurance: how do they differ? - Which is better for D&O Insurance, The Baldwin Group or USI Insurance Services? - What does The Baldwin Group or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from The Baldwin Group or USI Insurance Services? **Key facts:** - Line: D&O Insurance. Providers: The Baldwin Group and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/baldwin-vs-usi) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [The Baldwin Group vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Crime Insurance](https://spot.insure/compare/baldwin-vs-usi/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/baldwin-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/baldwin-vs-usi/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-usi/representations-warranties) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Surety Bonds](https://spot.insure/compare/baldwin-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs USI Insurance Services: How Do They Compare for D&O Insurance? USI offers an ExecuSafe endorsement package aimed at small and medium businesses, while Baldwin describes advisory D&O programs without a named package. ## How to Use the The Baldwin Group vs USI Insurance Services D&O Insurance Comparison Use this comparison to evaluate The Baldwin Group and USI Insurance Services for D&O 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. ## The Baldwin Group vs USI Insurance Services D&O Insurance Summary USI places D&O through its ExecuSafe endorsement package for small and medium businesses and cites a benchmarking case saving over $100,000 a year. Baldwin describes Coverage A, B and C education and D&O benchmarking. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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 USI Insurance Services? USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between The Baldwin Group and USI Insurance Services D&O Insurance? ### A Named Endorsement Package USI describes ExecuSafe as an endorsement package applied to D&O policies placed with the market, and says it reviews existing management-liability policies for gaps. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") Baldwin describes Coverage A, B and C as common grants and labels this education, not a policy wording. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) ### Who Each Targets USI aims ExecuSafe at small and medium businesses that skip D&O or buy too little limit, and separately places D&O for technology clients from seed to IPO. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Baldwin ties D&O to public-company, IPO and SPAC programs and to real-estate organizations. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") ### Benchmarking Evidence USI cites one case where benchmarking showed a software company buying more limit than peers, saving over $100,000 a year in premium. [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Baldwin mentions benchmarking but offers no outcome figure, and neither publishes placed limits. [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What Should You Confirm in The Baldwin Group and USI Insurance Services D&O Insurance Quotes? - Ask USI what ExecuSafe adds to the base form and who the insurer is. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask Baldwin for limits and retentions in its proposal. [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") - Ask both what peer data underlies any benchmarking. ## The Baldwin Group vs USI Insurance Services D&O Insurance Compared | Criteria | Baldwin Directors and Officers Liability Brokerage and Advisory | USI ExecuSafe Directors & Officers Liability Program | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Directors and Officers Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) | | Issuing Insurer | Confirm in your quote. | USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23..) | | Who It’s For | Baldwin’s management-liability practice discusses public-company, IPO and SPAC D&O programs; its real-estate practice names owners, managers, REITs, lenders and associations. These contexts do not guarantee placement eligibility. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (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..) | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) | | Coverage Features | Baldwin describes D&O insurance as protecting individual directors/officers and the entity against certain alleged management-related losses, and discusses Coverage A, B and C as common policy grants. This is general product education, not a buyer’s policy wording. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (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..) | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) | | 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/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data..) | | Risk Services | Baldwin describes management-liability advice, D&O benchmarking and program guidance, including public-company and pre-IPO contexts. Benchmarking is not a coverage term or quote. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) | | How to Apply | Confirm in your quote. | USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages..) | ## Related Pages for The Baldwin Group vs USI Insurance Services D&O - [The Baldwin Group vs USI Insurance Services](https://spot.insure/compare/baldwin-vs-usi): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [The Baldwin Group vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-usi/commercial-property) - [The Baldwin Group vs USI Insurance Services Crime Insurance](https://spot.insure/compare/baldwin-vs-usi/crime) - [The Baldwin Group vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/baldwin-vs-usi/cyber) - [The Baldwin Group vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/baldwin-vs-usi/employee-health-benefits) - [The Baldwin Group vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/employment-practices) - [The Baldwin Group vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/fiduciary) - [The Baldwin Group vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/management-liability) - [The Baldwin Group vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-usi/professional-errors-omissions) - [The Baldwin Group vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-usi/representations-warranties) - [The Baldwin Group vs USI Insurance Services Surety Bonds](https://spot.insure/compare/baldwin-vs-usi/surety-bonds) - [The Baldwin Group vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-usi/workers-compensation) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) - [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers) - [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) - [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers) - [Amelia Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/directors-officers) - [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers) ## Sources for The Baldwin Group vs USI Insurance Services D&O Insurance ### Sources About 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. [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. 4. [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 2026-09-30. ### Sources About USI Insurance Services 5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23. 7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 8. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23. 9. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... Accessed 2026-09-23. ### Sources for the D&O Insurance Guide 10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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 Review Scores for 2026 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). ## USI Insurance Services Review Scores for 2026 Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-usi/directors-officers.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)