Baldwin vs Counterpart: Commercial Crime Insurance

Counterpart presents its insurance for small businesses, reached through a wholesale broker, and lists employee theft and funds-transfer fraud scenarios; The Baldwin Group lists crime for professional-services and real-estate clients.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

What Are the Key Differences Between The Baldwin Group and Counterpart Crime Insurance?

Coverage and Program Structure

Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. Baldwin lists crime/fidelity for professional-services and real-estate programs without enumerating agreements. Ask Baldwin’s proposed carrier to map those payment and employee-loss scenarios against Counterpart’s listed examples. [4] [7]

Placement and Eligibility

Counterpart says businesses reach its program through a wholesale broker and describes its producer as a surplus-lines broker. Baldwin describes its own brokerage/advisory role for commercial crime. Identify retail and wholesale intermediaries and the policy issuer before comparing terms. [5] [7]

Limits and Claims Questions

Counterpart presents coverage and services for small businesses; Baldwin names professional-services and real-estate clients whose programs may include crime. Neither audience statement is an underwriting rule, so confirm size, industry and loss controls with the appointed carrier. [4] [7]

What Should You Confirm in The Baldwin Group and Counterpart Crime Insurance Quotes?

  • Which social-engineering, funds-transfer and computer-fraud terms, limits and verification requirements apply? [4]
  • Who is the wholesale broker, issuing insurer and retail servicing contact for each policy? [5] [7]

Crime coverage

The Baldwin Group

  • role: 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. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.company-reportedSource ↗Source ↗
  • eligibility: 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. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.company-reportedSource ↗Source ↗
  • coverage: 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. 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.company-reportedSource ↗Source ↗
  • 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. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.company-reportedSource ↗Source ↗
  • limits: The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. No buyer quote, binder, policy or bond form was available in the reviewed public sources.not-disclosedSource ↗Source ↗

Counterpart

  • role: Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. Company-published distribution description; it does not identify the insurer for this crime placement.company-reportedSource ↗Source ↗
  • coverage: Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions.company-reportedSource ↗
  • eligibility: Counterpart presents its insurance products and risk-management services for small businesses. The general audience statement is not a crime-specific underwriting rule.company-reportedSource ↗Source ↗
  • coverage: Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted.company-reportedSource ↗

Counterpart uses wholesale broker distribution; The Baldwin Group describes advisor-led brokerage for crime programs.

Sources consulted

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  2. 02
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  3. 03
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  4. 04
    Commercial Crime Insurance

    Counterpart, Inc. · Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session. · accessed 2026-09-28

  5. 05
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  6. 06
    Commercial Real Estate Insurance & Risk Management

    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

  7. 07
    Professional Liability Insurance & 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

  8. 08
    Crime Terms and Conditions

    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

  9. 09
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  10. 10
    Commercial Crime Coverage Application

    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

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