Baldwin vs Hub International: Fidelity Bonds

The Baldwin Group lists commercial fidelity options for professional-services firms. HUB International places crime and fidelity coverage through its ProEx practice and directs buyers to a specialist.

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

Crime coverage

The Baldwin Group

  • role: The source describes The Baldwin Group’s brokerage or advisory role for Commercial Fidelity Bond. 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 ↗
  • eligibility: Baldwin lists professional-services firms among the commercial sectors for which it can arrange crime/fidelity-bond options. The page does not establish a bond applicant’s eligibility or identify a surety. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.company-reportedSource ↗
  • coverage: Baldwin lists a commercial crime/fidelity bond as an option for professional-services clients. It does not describe a specific bond form, protected obligee, covered employee conduct or bond amount. 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 ↗
  • services: Baldwin describes market navigation and tailored risk and insurance advice for accountants, architects, engineers, financial advisers, lawyers, consultants and surveyors. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.company-reportedSource ↗
  • 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 ↗

HUB International

  • role: HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds.company-reportedSource ↗
  • coverage: HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. ProEx page coverage list only; these are catalogue entries, not policy-form descriptions.company-reportedSource ↗
  • eligibility: No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description.not-foundSource ↗
  • insurer: No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. Checked the ProEx page on 2026-09-23.not-foundSource ↗
  • limits: Published bond penalty amounts, limits or retentions were not found on the ProEx page. Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations.not-disclosedSource ↗
  • services: HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ProEx page team and services description; not specific to a single bond placement.company-reportedSource ↗
  • application: HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. ProEx page call to action.company-reportedSource ↗

What Are the Key Differences Between The Baldwin Group and HUB International Fidelity Bonds?

Bond category and intended buyer

HUB lists Crime/Fidelity under Executive Liability and Financial Institution Bonds as a separate category for financial institutions. Baldwin names a commercial crime/fidelity option for professional-services firms, without specifying the form. A financial institution should ask whether HUB’s separate bond category matches its need; a professional-services business should clarify what Baldwin’s commercial option covers. [1] [3]

Broker services and terms

HUB says its ProEx team provides analytics, litigation support and risk management, and directs prospects to contact a specialist. Baldwin describes tailored risk advice but neither record publishes bond limits, covered dishonest acts or an issuer. Ask both brokers for the exact form, carrier and claims support attached to the quote. [1] [3]

What Should You Confirm in The Baldwin Group and HUB International Fidelity Bonds Quotes?

  • Which HUB category and insurer would apply to your business? Which bond form, limits and claims support would Baldwin put forward?

HUB identifies two fidelity-related categories within its ProEx practice, while The Baldwin Group describes commercial crime/fidelity bonds as an option for selected professional-service sectors.

Sources consulted

  1. 01
    HUB ProEx

    HUB International · ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement · accessed 2026-09-23

  2. 02
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Fidelity; Surety Bond · accessed 2026-09-16

  3. 03
    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

  4. 04
    Crime Terms and Conditions

    Travelers Casualty and Surety Company of America · I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15 · accessed 2026-09-16

  5. 05
    Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements

    U.S. Department of Labor, Employee Benefits Security Administration · Q1–Q3 pp.2–3; Q2 pp.2–3 · accessed 2026-09-16

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