AHT Insurance

What AHT Insurance does

AHT Insurance, now operating as The Baldwin Group following a brand unification, is a US-headquartered insurance brokerage and advisory firm founded in 1921 and based in Leesburg. The firm delivers an integrated platform spanning business insurance, employee benefits, private risk and personal insurance, wealth management, retirement consulting, reinsurance, specialty MGA, and embedded insurance, serving both commercial clients (across Construction, Energy, Healthcare, Manufacturing, Real Estate, Transportation, and other industries) and high-net-worth individuals and families.

The firm's core technology is described as an insurance advisory and risk management platform; no proprietary AI/ML capabilities, APIs, or SDKs are disclosed. The offering is built on broad carrier partner relationships that enable placement across business, employee benefits, and personal lines, supplemented by specialty practice areas such as surety, cyber, government contracting, mergers and acquisitions, management liability, pharmacy benefit consulting, population health management, and global Japanese benefits.

Revenue is generated primarily through insurance brokerage commissions earned from carrier partners, with a sales-led go-to-market model executed through direct advisory relationships with businesses and individuals. Distribution is national (all 50 states) with select international capabilities for commercial risk and employee benefits. The firm has expanded through acquisitions of Kaplow Insurance and Mason & Mason Insurance in 2020 and has earned a FORTUNE Great Workplace Recognition in 2023.

Name

AHT Insurance

Legal name

The Baldwin Group

Website

https://ahtins.com

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

251–500 employees

Short description

AHT Insurance, now The Baldwin Group, is a US insurance brokerage and advisory firm offering business insurance, employee benefits, private risk, wealth management, and specialty MGA services to commercial clients and high-net-worth individuals across all 50 states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Advisory Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Insurance brokerage
• Commercial insurance
• Employee benefits
• Private client insurance
• Wealth management

Headquarters

HQ city

Leesburg

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: The firm earns commissions from carrier partners for placing insurance coverage across business insurance, employee benefits, personal insurance, and private client lines.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

AHT Insurance (now The Baldwin Group) is an entrepreneur-led insurance brokerage and advisory firm offering insurance placement, risk mitigation, employee benefits administration, and wealth management services. The firm places business insurance, employee benefits, personal insurance, and private client coverage through carrier partner relationships, and provides ancillary services such as reinsurance, specialty MGA, and embedded insurance. Services are delivered across all 50 U.S. states with select international offerings for commercial risk and employee benefits.

Product overview

AHT Insurance (now The Baldwin Group) is an entrepreneur-led advisory firm offering an integrated platform of insurance, risk mitigation, employee benefits, and wealth management solutions. The unified platform comprises Business Insurance (covering Cyber, Government Contracting, International, Management Liability, Mergers & Acquisitions, Surety, and industry-specific solutions), Employee Benefits (including analytics, compliance, pharmacy benefit consulting, and population health management), Private Client services (high-value homes, collections, marine, farm/equine), Personal Insurance (auto, home, health, Medicare, life), Wealth Management (asset management, retirement consulting), Reinsurance, Specialty MGA, and Embedded Insurance products. The rebrand unified AHT Insurance and partner firms under The Baldwin Group brand to provide expanded national and international capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Insurance solutions for businesses covering multiple industries and risk areas, including Cyber, Government Contracting, International, Management Liability, Mergers & Acquisitions, Surety, Construction, Energy, Healthcare, Manufacturing, Real Estate, and Transportation. Targeted at commercial entities seeking integrated risk management.
• Employee Benefits Comprehensive employee benefits services for employers, including Ancillary Benefits, Global Japanese Benefits, International Benefits, Public Entity Benefits, Retirement Consulting, Alternative Funding, Analytics & Underwriting, Benefits Compliance, Communications & Engagement, Pharmacy Benefit Consulting, and Population Health Management. Targeted at employer organizations.
• Private Client / Private Risk High-net-worth personal insurance coverage including Auto & Collector Cars, Collections & Valuables, Farm & Equine, High-Value Homes, Marine & Mega Yacht, and Personal Umbrella/Excess Liability. Targeted at high-net-worth individuals and families.
• Personal Insurance Individual and family insurance products covering Auto & Vehicle Insurance, Home & Property Insurance, Individual Health Insurance, Medicare, and Life Insurance. Targeted at individuals and families seeking standard personal insurance.
• Wealth Management Wealth management and retirement planning services including Asset Management and Retirement Plan Consulting. Targeted at individuals and families seeking to safeguard their financial future.
• Reinsurance Reinsurance solutions for risk management and capacity support. Targeted at insurance carriers and risk-bearing entities.
• Specialty MGA Managing General Agent services for specialty insurance products. Targeted at insurance carriers requiring delegated underwriting authority.
• Embedded Insurance Insurance products embedded within other platforms or distribution channels. Targeted at third-party platforms seeking integrated insurance offerings for their customers.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Carrier PartnerscoreOthersThe Baldwin Group maintains broad relationships with insurance carrier partners to provide optimized terms and pricing for clients across business insurance, employee benefits, and personal insurance lines.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• AssuredPartners: US insurance brokerage aggregator that has built scale primarily through acquisitions of regional agencies, offering commercial, personal, and employee benefits products. Shares AHT/Baldwin's roll-up playbook and multi-line positioning.
• Lockton: Largest privately held independent insurance brokerage globally, offering commercial insurance, employee benefits, and risk management. Comparable entrepreneur-led culture, multi-line platform, and emphasis on specialty commercial solutions.
• Brown & Brown: Large US insurance brokerage and risk management firm delivering commercial, personal, and employee benefits solutions across multiple industries. Directly comparable to AHT/Baldwin in multi-line brokerage model and M&A-driven growth strategy.
• Hub International: North American insurance brokerage and financial services firm built largely through acquisitions of regional agencies. Highly comparable mid-market brokerage with multi-line P&C, employee benefits, and personal insurance offerings.
• Alliant Insurance Services: Specialty insurance brokerage focused on middle-market commercial clients, with strong employee benefits and surety practices. Closely aligned to AHT/Baldwin in commercial P&C, surety, and benefits consulting focus.
• USI Insurance Services: US-focused insurance brokerage and consulting firm serving middle-market and large commercial clients across property/casualty, employee benefits, and personal lines. Directly comparable multi-line mid-market broker with national footprint.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with strong US brokerage, employee benefits, and risk consulting operations. Closely mirrors AHT/Baldwin's combined business insurance, employee benefits, and risk advisory offering.
• NFP (an Aon company): US-focused insurance brokerage and advisory firm specializing in commercial, personal, and employee benefits solutions for middle-market clients. Comparable multi-line brokerage model with strong M&A consolidation heritage.

Broad incumbents

• Marsh McLennan: World's largest insurance brokerage and risk advisory firm operating Marsh, Mercer, and Oliver Wyman. Overlaps directly with AHT/Baldwin across commercial insurance placement and employee benefits but at far greater scale and broader global reach.
• Aon: Global professional services firm offering risk management, insurance brokerage, reinsurance, and wealth management. Overlaps with AHT/Baldwin across business insurance, employee benefits, and wealth segments but at much larger scale and broader service portfolio.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/thebaldwingroupinsurance
• LinkedInlinkedin.com/company/thebaldwingroup
• Instagraminstagram.com/the_baldwin_group
• Xx.com/ahtinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds4 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AHT Insurance