Tell us which Baldwin agency serves you
Baldwin describes several related companies, so send your broker agreement and policies. Your Spot team notes the agency, insurer and renewal date for each.
Maple Street Co.Organized by Spot
Switch from Baldwin
Moving your insurance program from Baldwin? Compare brokers with Spot
Baldwin’s Insurance Advisory Solutions covers commercial risk and employee benefits, so your Spot team separates those programs and compares brokers for each.
- Commercial and benefits programs separated
- Servicing agency identified in your documents
- Dates for each policy in one view
How it works
Split commercial insurance from benefits
We list general liability, workers’ compensation, property, cyber, directors and officers, bonds and umbrella apart from health benefits, since they may not move together.
General liability insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Compare brokers
Spot works with brokers rather than replacing them. We help you compare candidates on markets, sector knowledge and how they service accounts and claims.
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AlexMaple Street Co.
Can we explore other brokers for our general liability insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Move each program on its own timeline
Your Spot team helps you plan broker of record letters or renewal handovers so commercial lines and benefits each stay in force.
AlexMaple Street Co.
Can we explore other brokers for our general liability insurance?
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
Moving from The Baldwin Group
Baldwin’s Insurance Advisory Solutions provides commercial risk management and employee benefits for businesses, as well as private-risk management for high-net-worth individuals and their families. It describes a five-step process it calls RiskMap, and an online intake. The agency and insurer vary by placement, so your own documents name them.
Why businesses consider switching
- 01
You want benefits and insurance with different brokers
Some companies prefer a specialist for each program.
- 02
Your risks became more specific
Surety bonds, umbrella or directors and officers needs can call for a broker with deeper experience in them.
- 03
Your leadership changed
A new finance or operations lead may want to review who services the program.
- 04
You want a clearer view of compensation
Brokers may be paid by commissions, fees or both, and some buyers like to compare.
How to switch without a gap
- 01
Read the agreement and compensation terms
Look at what your agreement says about term, notice and fees. Baldwin’s disclosures mention commissions, negotiated fees and contingent commissions.
- 02
Decide what moves
Choose whether to move commercial insurance, benefits or both.
- 03
Appoint the new broker
Use a broker of record letter for an earlier change or wait for renewal. Insurers confirm which policies transfer.
- 04
Keep everything bound
Never end a policy until the new broker confirms servicing in writing. Then reissue certificates and update the contact on each lease and contract.
Coverage to consider
General liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesCyber liability
Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesDirectors and officers
Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.
Get quotesEmployee health and benefits
Employee health benefits with Spot: workforce details prepared, plans compared on networks and total cost, and self-funding and stop-loss terms explained.
Get quotesSurety bonds
Get surety bonds with Spot: the obligee’s requirement matched to the right bond type, your financials prepared for the surety, and proposals compared.
Get quotesUmbrella and excess liability
Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Get quotes
Common questions
Which Baldwin agency services my policy?
The agency differs by account, and the group describes several related companies. Your policy documents and broker agreement name yours, and your Spot team records it before you talk to anyone new.
Does my employee benefits program move with my insurance?
It doesn’t have to. Benefits and commercial insurance can sit with different brokers, so decide that first, and your Spot team keeps the dates for each in one view.
Is Spot related to The Baldwin Group?
No. Spot isn’t affiliated with Baldwin, and we describe it only from public information.
Can I leave partway through the policy year?
Often you can change broker with a letter, though insurers set timing and your agreement may require notice. Your Spot team checks both before you decide.
Do I stop using my broker to work with Spot?
No. Spot works with brokers, takes no commission on premiums and helps you decide whether to keep yours.
Related
Get insurance off your to-do list.
Baldwin’s Insurance Advisory Solutions covers commercial risk and employee benefits, so your Spot team separates those programs and compares brokers for each.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
