CAC’s Contingent Risk team is one of the industry’s leading providers of contingent and litigation insurance, helping companies manage, transfer, and protect against litigation-related exposures. The firm’s Contingent Risk team has placed over $6.5B in insurance limits in the contingent risk space. With England and Wales being one of the most developed markets in Europe for litigation insurance, claimants, class representatives, corporates, law firms, and other advisors continue to seek innovative insurance solutions to help meet their evolving needs as the global risk landscape becomes more complex.

Andrew Mutter, EVP, Head of Contingent Risk Insurance at CAC, part of The Baldwin Group said: “Our clients’ investments and exposures are global in scope and nature. CAC’s expansion into Europe cements our position as a global one-stop-shop for advising clients and executing on the full array of contingent solutions, including After The Event insurance (ATE), Capital Protection Insurance (CPI), law firm insurance backed financing solutions, secondary market trade coverage, and Adverse Judgement Insurance (AJI). Nick brings a unique perspective having worked as a lawyer, litigation funder, and insurance broker, which is exactly the expertise needed to lead our expansion at a time when demand for sophisticated, cross-jurisdictional insurance solutions across the UK and Europe has never been greater.”

According to industry reports, current estimates suggest the UK litigation funding market deploys approximately £400 to £650 million in gross written premiums annually, and the ATE market in the UK is estimated to generate approximately £200–£275 million in gross written premiums.

Michael Wakefield, EVP, Transactional Liability Practice Leader at CAC, part of The Baldwin Group, commented: “Building on our established Contingent Risk practice in the US by expanding into the UK and Europe marks an important milestone in CAC’s ambition to serve clients wherever their litigation and contingent risk exposures arise. Combined with our Representations & Warranties and Tax Insurance capabilities in the US, and the strong partner relationships that support those lines internationally, we can offer clients a comprehensive Transactional Liability solution regardless of where they operate. The UK is the right place to anchor this expansion, and Nick’s appointment reflects the high caliber of talent we are committed to attracting.”

Nick Moore, SVP and Head of the London Contingent Risk Office at CAC, part of The Baldwin Group adds: “I am joining CAC at a pivotal strategic growth moment. The UK’s sophisticated legal and financial markets make it the natural base for the firm’s expansion. We have a significant opportunity to establish a new benchmark in the UK, broadening access to specialist insurance capital and bringing additional product innovation, technical expertise, and regulatory understanding to support established market participants and first-time users of litigation insurance alike.”

Moore has more than 15 years of experience across litigation, arbitration, legal asset investments, and contingent risk management. He qualified as a solicitor with CMS Cameron McKenna in London, specialising in insurance and reinsurance disputes and broader commercial litigation. He later held senior investment roles in litigation finance, including at Therium Capital Management, where he originated, structured, and managed high-value litigation and arbitration investments across sectors and jurisdictions. Most recently, Nick led litigation and contingent risk initiatives across the UK and EMEA at a global insurance broker, advising corporates, private equity sponsors, law firms, and legal asset investors on bespoke insurance solutions. He has structured and placed cover supporting cases and transactions with aggregate limits and underlying exposures in the hundreds of millions of pounds.

# # #

About CAC, part of The Baldwin Group
CAC, part of The Baldwin Group, is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. Delivering comprehensive broker services spanning commercial risk, personal lines, and employee benefits, CAC serves large corporations and small-to-medium enterprises as well as individuals. For more information, visit www.cacgroup.com.

About The Baldwin Group

The Baldwin Group, the brand name for The Baldwin Insurance Group, Inc. (“Baldwin”) (NASDAQ: BWIN) and its affiliates, is an independent insurance distribution firm providing indispensable expertise and insights that strive to give our clients the confidence to pursue their purpose, passion and dreams. As a team of dedicated entrepreneurs and insurance professionals, we have come together to help protect the possible for our clients. We do this by delivering bespoke client solutions, services, and innovation through our comprehensive and tailored approach to risk management, insurance, and employee benefits. We support our clients, colleagues, insurance company partners, and communities through the deployment of vanguard resources and capital to drive our organic and inorganic growth. The Baldwin Group proudly represents more than three million clients across the United States and internationally. For more information, please visit www.baldwin.com.

Note Regarding Forward-Looking Statements 

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which represent Baldwin’s expectations or beliefs concerning future events. Forward-looking statements are statements other than historical facts and may include statements that address Baldwin’s future operating, financial or business performance or Baldwin’s strategies or expectations. In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “projects,” “potential,” “outlook” or “continue,” or the negative of these terms or other comparable terminology. Forward-looking statements are based on management’s current expectations and beliefs and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements.

Factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, those described under the caption “Risk Factors” in Baldwin’s Annual Report on Form 10-K for the year ended December 31, 2025 and in Baldwin’s other filings with the U.S. Securities and Exchange Commission (the “SEC”), which are available free of charge on the SEC’s website at: www.sec.gov, including those risks and other factors relevant to Baldwin’s business, financial condition and results of operations. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those indicated. All forward-looking statements and all subsequent written and oral forward-looking statements attributable to Baldwin or to persons acting on Baldwin’s behalf are expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and Baldwin does not undertake any obligation to update them in light of new information, future developments or otherwise, except as may be required under applicable law.

Media Contacts

Allyson Marcus

Director of Communications

CAC, part of The Baldwin Group

M: +1 267-994-9052

E: allyson.marcus@cacgroup.com

Desiree Maghoo

Questor Consulting for CAC, part of The Baldwin Group

M: +44 (0) 7775522740

E: dmaghoo@questorconsulting.com

Abigail Jarvis, Questor Consulting for CAC, part of The Baldwin Group

M: +44 (0) 7852890995

E: ajarvis@questorconsulting.com

The post CAC Expands Contingent and Litigation Insurance Broking Business into the UK and Europe appeared first on CAC Group.

TAMPA, FL – (BUSINESS WIRE) – JANUARY 5, 2026 – The Baldwin Group (“Baldwin” or the “Company”) (NASDAQ: BWIN) today announced leadership appointments in its Insurance Advisory Solutions (IAS) segment, the firm’s retail property and casualty and employee benefits brokerage business.

Following The Baldwin Group’s recently closed merger with CAC Group, Erin Lynch has been named President of Specialty Insurance for the IAS business segment. In this role, Ms. Lynch will have executive oversight of the segment’s extensive platform of industry practices and product specialties, ensuring the full power of the organization’s deep expertise is brought to bear to serve clients with complex risk management needs. Ms. Lynch will lead the strategic planning and continued expansion of Baldwin’s sector-specific offerings and product capabilities.

Jeff Hughes has been appointed President of Middle Market Insurance for the IAS business segment. In this role, Mr. Hughes will lead the firm’s middle market platform serving the employee benefits and commercial insurance needs of business clients through an extensive regional network spanning all major markets across the United States. He will oversee middle market growth strategies designed to holistically deliver more advanced solutions to a broader base of business clients.

Joe Valerio, recently appointed Chief Operating Officer of IAS, will continue in his current role with oversight of the segment’s client experience, broking and placement, and national operations functions.  His organization will have responsibility for deploying a consistent and efficient operating model across the entire IAS segment.

Ms. Lynch, Mr. Hughes, and Mr. Valerio will report to Dan Galbraith, President, The Baldwin Group and CEO, Retail Brokerage Operations.

“The Baldwin Group’s merger with CAC Group unites two firms recognized for industry-leading growth, exceptional talent, and award-winning cultures. These leadership appointments represent the first step in a thoughtful combination to deliver the best of each brand through a structure that can efficiently serve the widest range of clients regardless of complexity, size, or geography,” said Mr. Galbraith. “Erin, Jeff, and Joe are dynamic and proven leaders, well-aligned to drive the exciting next phase of the firm’s growth.”

ABOUT THE BALDWIN GROUP

The Baldwin Group, the brand name for The Baldwin Insurance Group, Inc. (NASDAQ: BWIN) and its affiliates, is an independent insurance distribution firm providing indispensable expertise and insights that strive to give our clients the confidence to pursue their purpose, passion, and dreams. As a team of dedicated entrepreneurs and insurance professionals, we have come together to help protect the possible for our clients. We do this by delivering bespoke client solutions, services, and innovation through our comprehensive and tailored approach to risk management, insurance, and employee benefits. We support our clients, colleagues, insurance company partners, and communities through the deployment of vanguard resources and capital to drive our organic and inorganic growth. The Baldwin Group proudly represents more than three million clients across the United States and internationally. For more information, please visit www.baldwin.com.

NOTE REGARDING FORWARD-LOOKING STATEMENTS

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which represent The Baldwin Group’s expectations or beliefs concerning future events. Forward-looking statements are statements other than historical facts and may include statements that address our future operating, financial or business performance or The Baldwin Group’s strategies, expectations, anticipated achievements or ability to raise or refinance debt. In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “projects,” “potential,” “outlook” or “continue,” or the negative of these terms or other comparable terminology. Forward-looking statements are based on management’s current expectations and beliefs and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements.

Factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, those described under the caption “Risk Factors” in Baldwin’s Annual Report on Form 10-K for the year ended December 31, 2024 and in Baldwin’s other filings with the U.S. Securities and Exchange Commission (the “SEC”), which are available free of charge on the SEC’s website at: www.sec.gov, including those risks and other factors relevant to the business, financial condition and results of operations of Baldwin, the risk that we will not be able to incur the transactions described herein in a timely manner, and the risk that we will be unable to satisfy the conditions to the closing of the transactions described herein. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those indicated. All forward-looking statements and all subsequent written and oral forward-looking statements attributable to The Baldwin Group or to persons acting on behalf of The Baldwin Group are expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and Baldwin does not undertake any obligation to update them in light of new information, future developments or otherwise, except as may be required under applicable law.

MEDIA RELATIONS

Anna Rozenich, Senior Director, Enterprise Communications

The Baldwin Group

630.561.5907 | anna.rozenich@baldwin.com

INVESTOR RELATIONS

Bonnie Bishop, Executive Director, Investor Relations

The Baldwin Group

813.259.8032 | IR@baldwin.com

Executive Bios Addendum

Erin Lynch Bio

Erin Lynch is President of Specialty Insurance for The Baldwin Group’s Insurance Advisory Solutions (IAS) business segment, where she provides executive oversight of industry practices and product specialties to ensure the firm’s deep expertise is fully leveraged to address clients’ most complex risk management needs. Previously, she served as Chief Executive Officer of CAC Group, leading with a focus on operational excellence, data-driven decision-making, and a people-first culture. Earlier in her career, Ms. Lynch led the CAC Specialty Natural Resources Division, partnering with some of the world’s largest independent power companies and utilities to design and steward global risk management programs. She has been recognized twice as a Risk & Insurance Power Broker and honored as a Woman to Watch by Business Insurance and an Elite Woman by Insurance Business America.

Jeff Hughes Bio

Jeff Hughes is President of Middle Market Insurance for The Baldwin Group’s IAS Business segment, where he has national responsibility for how Baldwin’s middle market platform serves employee benefits and commercial insurance business clients across the country and advances its ability to deliver more holistic solutions. Most recently, Mr. Hughes served as Baldwin’s Regional President, Southeast Region with P&L responsibility for the firm across the southeast region of the U.S. He joined Baldwin in 2019 as the Managing Director of Employee Benefits in the region, where he led the team to become a top-performing business. Before joining Baldwin, Mr. Hughes spent 14 years in the service industry working for industry-leading corporations Cintas, Shred-It, and Stericycle.

Joe Valerio Bio

Joe Valerio is the Chief Operating Officer for The Baldwin Group’s Insurance Advisory Solutions (IAS) segment with oversight of IAS’s client experience, broking and placement, and national operations functions with responsibility for deploying a consistent and efficient operating model. Most recently, Mr. Valerio served as Division Leader, Western Division, for World Insurance Associates, LLC where he drove revenue growth and margin expansion through disciplined sale execution and operational excellence across 27 offices across 13 states. Prior to World Insurance, he served as Chief Operating Officer for the CRB North America Industry Verticals Division at Willis Towers Watson where he guided a team of nearly 3,000 colleagues across diverse functions, generating annual revenue of more than $1.2 billion.

The post The Baldwin Group Announces Leadership Appointments in its Insurance Advisory Solutions Segment appeared first on CAC Group.

About The Baldwin Group

The Baldwin Group, the brand name for The Baldwin Insurance Group, Inc. (“Baldwin”) (NASDAQ: BWIN) and its affiliates, is an independent insurance distribution firm providing indispensable expertise and insights that strive to give our clients the confidence to pursue their purpose, passion and dreams. As a team of dedicated entrepreneurs and insurance professionals, we have come together to help protect the possible for our clients. We do this by delivering bespoke client solutions, services, and innovation through our comprehensive and tailored approach to risk management, insurance, and employee benefits. We support our clients, colleagues, insurance company partners, and communities through the deployment of vanguard resources and capital to drive our organic and inorganic growth. The Baldwin Group proudly represents more than three million clients across the United States and internationally. For more information, please visit www.baldwin.com.

About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, visit www.cacgroup.com.

Note Regarding Forward-Looking Statements

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which represent The Baldwin Group’s expectations or beliefs concerning future events. Forward-looking statements are statements other than historical facts and may include statements that address The Baldwin Group’s future operating, financial or business performance or The Baldwin Group’s strategies or expectations, including those related to the merger described above (the “Merger”). In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “projects,” “potential,” “outlook” or “continue,” or the negative of these terms or other comparable terminology. Forward-looking statements are based on management’s current expectations and beliefs and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements.

Factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, those described under the caption “Risk Factors” in Baldwin’s Annual Report on Form 10-K for the year ended December 31, 2024 and in Baldwin’s other filings with the SEC, which are available free of charge on the SEC’s website at: www.sec.gov, including the occurrence of any event, change or other circumstances that could give rise to the termination of the definitive agreement, the risk that Baldwin or CAC may be unable to obtain governmental and regulatory approvals required for the proposed transaction, or required governmental and regulatory approvals may delay the proposed transaction or result in the imposition of conditions that could cause the parties to abandon the proposed transaction, the risk that the parties may not be able to satisfy the conditions to the proposed transaction in a timely manner or at all, Baldwin’s ability to successfully integrate businesses that it acquires, including CAC, and to achieve the benefits Baldwin expects to realize as a result of such acquisitions, general economic and business conditions, Baldwin’s business strategy for expanding its presence in our industry, Baldwin’s expectations of revenue, operating costs and profitability, Baldwin’s expectations regarding its strategy and investments, the potential adverse impact on Baldwin’s financial condition and results of operations if it does not realize those expected benefits, liabilities of the businesses that Baldwin acquires that are not known to it, Baldwin’s expectations regarding its business, including market opportunity, consumer demand and its competitive advantage, anticipated trends in Baldwin’s financial condition and results of operations, the impact of competition and technological change, existing and future regulations affecting Baldwin’s business, Baldwin’s ability to comply with the rules and regulations of the SEC Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those indicated. All forward-looking statements and all subsequent written and oral forward-looking statements attributable to The Baldwin Group or to persons acting on The Baldwin Group’s behalf are expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and The Baldwin Group does not undertake any obligation to update them in light of new information, future developments or otherwise, except as may be required under applicable law.

Contacts

Media Relations

Anna Rozenich, Senior Director, Enterprise Communications
The Baldwin Group
630.561.5907 | anna.rozenich@baldwin.com

Investor Relations

Bonnie Bishop, Executive Director, Investor Relations
The Baldwin Group
813.259.8032 | IR@baldwin.com

The post The Baldwin Group Completes Merger Transaction with CAC Group appeared first on CAC Group.

The combination is expected to significantly expand the specialty capabilities of The Baldwin Group’s Insurance Advisory Solutions (IAS) segment by integrating CAC’s deep expertise in industries such as natural resources, private equity, real estate, senior living, education, and construction. Additionally, the combined company is expected to benefit from CAC’s strength in specialty product lines, including Financial Lines, Transactional Liability, Cyber, and Surety. These specialty capabilities are further strengthened by CAC’s industry-leading data and analytics platform.

The merger pairs CAC’s specialty expertise with Baldwin’s extensive middle market distribution platform, creating new pathways to bring advanced solutions to a broader client base. The combined platform expects to leverage Baldwin’s reinsurance and MGA operations and proprietary technology platforms. The merger also unites two colleague-centric cultures grounded in equity ownership and a shared commitment to attracting and developing the industry’s top talent.

With a footprint in all major markets across the United States, the combined organization will comprise nearly 5,000 colleagues serving clients across retail, specialty, reinsurance, and MGA platforms.

“This is a transformational moment for The Baldwin Group. This combination brings together two highly complementary firms, aligned in culture and values, yet distinct in expertise, business mix, and geographic footprint. By uniting CAC’s deep specialty capabilities with Baldwin’s scale and diversified platform, we create a stronger, more balanced organization that can deliver exceptional solutions for clients and unmatched opportunities for colleagues,” said Trevor Baldwin, CEO of The Baldwin Group. “CAC has built an enviable specialty firm, and we are looking forward to welcoming their exceptional team to The Baldwin Group.”

“Coming together with Baldwin gives us the scale and infrastructure to accelerate everything that makes CAC distinctive: our specialty expertise, entrepreneurial mindset, and relentless focus on client success. This merger positions us to deliver more for clients and create expanded opportunities for colleagues, while staying true to the values that have fueled our growth,” said Erin Lynch, CEO of CAC Group.

Webcast and Conference Call Information

The Baldwin Group will host a webcast and conference call to discuss the CAC Group Partnership on Wednesday, December 3, 2025, at 8:30 AM ET. A live webcast and a slide presentation will be available on The Baldwin Group’s investor relations website at ir.baldwin.com.

The dial-in number for the conference call is (877) 451-6152 (toll-free) or (201) 389-0879 (international). Please dial the number 10 minutes prior to the scheduled start time.

A webcast replay of the call will be available at ir.baldwin.com for one year following the call.

About The Baldwin Group

The Baldwin Group, the brand name for The Baldwin Insurance Group, Inc. (“Baldwin”) (NASDAQ: BWIN) and its affiliates, is an independent insurance distribution firm providing indispensable expertise and insights that strive to give our clients the confidence to pursue their purpose, passion and dreams. As a team of dedicated entrepreneurs and insurance professionals, we have come together to help protect the possible for our clients. We do this by delivering bespoke client solutions, services, and innovation through our comprehensive and tailored approach to risk management, insurance, and employee benefits. We support our clients, colleagues, insurance company partners, and communities through the deployment of vanguard resources and capital to drive our organic and inorganic growth. The Baldwin Group proudly represents more than three million clients across the United States and internationally. For more information, please visit www.baldwin.com.

About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, visit www.cacgroup.com.

Note on non-GAAP and Pro Forma Measures

With respect to The Baldwin Group’s expectations or projections regarding the performance of the Company, CAC, and the combined company, such expectations and the related forward-looking non-GAAP measures are presented on a non-GAAP basis without reconciliations of such forward-looking non-GAAP measures due to the inherent difficulty in projecting and quantifying the various adjusting items necessary for such reconciliations that have not yet occurred, are out of the Company’s and CAC’s control or cannot be reasonably predicted.

Note Regarding Forward-Looking Statements

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which represent The Baldwin Group’s expectations or beliefs concerning future events. Forward-looking statements are statements other than historical facts and may include statements that address The Baldwin Group’s future operating, financial or business performance or The Baldwin Group’s strategies or expectations, including those related to the merger described above (the “Merger”). In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “projects,” “potential,” “outlook” or “continue,” or the negative of these terms or other comparable terminology. Forward-looking statements are based on management’s current expectations and beliefs and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements.

Factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, those described under the caption “Risk Factors” in Baldwin’s Annual Report on Form 10-K for the year ended December 31, 2024 and in Baldwin’s other filings with the SEC, which are available free of charge on the SEC’s website at: www.sec.gov, including the occurrence of any event, change or other circumstances that could give rise to the termination of the definitive agreement, the risk that Baldwin or CAC may be unable to obtain governmental and regulatory approvals required for the proposed transaction, or required governmental and regulatory approvals may delay the proposed transaction or result in the imposition of conditions that could cause the parties to abandon the proposed transaction, the risk that the parties may not be able to satisfy the conditions to the proposed transaction in a timely manner or at all, Baldwin’s ability to successfully integrate businesses that it acquires, including CAC, and to achieve the benefits Baldwin expects to realize as a result of such acquisitions, general economic and business conditions, Baldwin’s business strategy for expanding its presence in our industry, Baldwin’s expectations of revenue, operating costs and profitability, Baldwin’s expectations regarding its strategy and investments, the potential adverse impact on Baldwin’s financial condition and results of operations if it does not realize those expected benefits, liabilities of the businesses that Baldwin acquires that are not known to it, Baldwin’s expectations regarding its business, including market opportunity, consumer demand and its competitive advantage, anticipated trends in Baldwin’s financial condition and results of operations, the impact of competition and technological change, existing and future regulations affecting Baldwin’s business, Baldwin’s ability to comply with the rules and regulations of the SEC Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those indicated. All forward-looking statements and all subsequent written and oral forward-looking statements attributable to The Baldwin Group or to persons acting on The Baldwin Group’s behalf are expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and The Baldwin Group does not undertake any obligation to update them in light of new information, future developments or otherwise, except as may be required under applicable law.

Contacts

Media Relations

Anna Rozenich, Senior Director, Enterprise Communications
The Baldwin Group
630.561.5907 | anna.rozenich@baldwin.com

Investor Relations

Bonnie Bishop, Executive Director, Investor Relations
The Baldwin Group
813.259.8032 | IR@baldwin.com

View press release on Business Wire

The post The Baldwin Group and CAC Group to Merge, Creating the Largest Majority Colleague-Owned, Publicly-Traded Insurance Broker appeared first on CAC Group.

On September 18, 2025, the Office of the Inspector General (OIG) CMS published findings on Falls with Major Injury (FMI). The OIG report states 43% of FMI are not reported in accordance with CMS guidelines. RAI/MDS 3.0 manual Section J became effective October 2, 2025, and provides guidance on defining, coding, and reporting FMI.

Read More

About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post Navigating the Shift: Reporting Falls with Major Injury to Mitigate Risk and Expand Quality Care appeared first on CAC Group.

The question we’re getting most frequently from clients is: “Can you get pollution insurance for PFAS? I’ve heard it’s no longer available.”

The answer to that question is: “Yes, and you’ve heard wrong.”

A few things to remember:

1. What people refer to as “PFAS” isn’t a compound; it’s hundreds of compounds that fall into a general category of ‘per- and polyfluoroalkyl substances’ (acronymized as “PFAS”). Only a handful of them have been established to be hazardous to human health or the environment. The most commonly discussed (and regulated) compounds are perfluorooctane sulfonate (“PFOS”) and perfluorooctanoic acid (“PFOA”), although there are others.
2. The increased state and federal regulatory activity surrounding certain PFAS compounds does not necessarily mean it’s harder to get coverage. Broader regulations, consistently applied, can help give some degree of certainty to PFAS-related exposures, which can actually make such exposures more, not less, insurable.
3. Pollution legal liability (“PLL”) insurance companies are made up of seasoned scientists, engineers, and lawyers. They are on top of the legal and remediation-related exposures associated with PFAS. That’s a good thing. It means they understand the issues and, given a reasonable basis to do so, will take on certain PFAS-related risk. But they won’t do it unless they’re given a solid argument for doing so.

CAC has successfully obtained PFAS coverage on difficult exposures. A few examples include:

1. To support a large M&A transaction involving a chemical manufacturing and distribution company, CAC negotiated a portfolio (i.e., multi-location) PLL policy that provides coverage for remediation expenses (as well as bodily injury, property damage, business interruption, etc.) for the target’s historical operations, which involved the use of certain PFAS chemicals. This included remediation expense coverage for PFAS for sites that were the subject of regulatory-driven cleanup programs.
2. For a paint and coating manufacturer that was buying the coatings division operations of a competitor, CAC successfully obtained remediation expense coverage for PFAS for one of the target’s locations that had (possibly) leased the site to PFAS-using tenants.
3. For a paper manufacturer client that owned and operated mills that used PFOA in their products for use in food packaging and fast-food wrappers, CAC was able to get affirmative products pollution liability coverage, using production-related data that enabled us to structure a program that capped the client’s liability.

For additional information, please reach out to Grant E. Nichols, Environmental Practice Leader at grant.nichols@cacgroup.com or +1 215.990.9161

About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post Environmental Insurance Market Update appeared first on CAC Group.

Rebecca Taylor has joined CAC Group as EVP, Head of Sales Enablement and Marketing. This strategic appointment will play a key role in driving the execution of the firm’s strategic growth plan. In her role, Rebecca will closely connect marketing with sales, equipping teams with the data, analytics, and thought leadership they need to support our clients and drive meaningful engagement.

With decades of experience in marketing and strategic communications, Rebecca brings a keen eye to branding and sales enablement, supported by tactics like digital marketing, organizational development, and team leadership.

About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post Rebecca Taylor Appointed Head of Sales Enablement & Marketing appeared first on CAC Group.

Curious about how recent legislation is shaking up the tax credit insurance space? Our latest update breaks down the impact of the OB3 Act and IRS Notice 2025-42, covering everything from pricing changes to how underwriting is evolving in response.

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About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post Tax Credit Insurance Q4 2025 Market Update appeared first on CAC Group.

Stay ahead with the CAC Group State of the Market Q3 2025, your guide to the latest insurance industry trends, rate forecasts, and data. With valuable insights into key markets like Auto Liability, Cyber Liability, General Liability, and more, this comprehensive document helps you understand pricing trends, capacity constraints, and the changing underwriting landscape.

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About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post State of the Market Q3 2025 appeared first on CAC Group.

Whether you’re navigating the complexities of corporate governance, risk management, or insurance placement, our expert analysis equips you with the tools to make informed decisions in 2025 and beyond. ​

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About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post 1H 2025 Market Update & 2H 2025 Market Outlook appeared first on CAC Group.

DENVER –  CAC Group, a leading insurance brokerage and risk advisory firm, today announced the transition of Bruce Denson, Jr. from Advisor to Chief Strategy Officer (CSO). Rounding out the company’s executive team, this role helps drive the execution of CAC’s strategic planning forward, helping turn the firm’s vision into results.

“Bruce has been instrumental in shaping CAC Group’s history and evolution — from our earliest days to the strong position we hold today. His vision and ability to identify opportunity have been central to our growth and success,” said Erin Lynch, CEO of CAC Group. “As Chief Strategy Officer, Bruce will help us stay sharp, bold, and intentional in pursuing expansion opportunities, further strengthening our position as a market leader and transforming the way our clients experience our industry.”

Denson will report to CAC Group President John Ludwig. In this role, Denson will work collaboratively with Ludwig as a market connector focused on identifying the people, teams, and opportunities that will power CAC’s next chapter – all while helping to operationalize CAC’s strategic vision and position the firm for sustained growth.

“Bruce’s proven leadership and actionable approach to strategy and business is instrumental in shaping our future,” added John Ludwig, President and Chief Growth Officer at CAC Group. “As we continue on a path of accelerated growth, we are fortunate to have Bruce helping elevate our expansion efforts, positioning us for the next level of achievement.”

Denson has had a distinguished career in the insurance industry. For more than 20 years, he served as a leader of CAC Group and Cobbs Allen, one of the founding entities of CAC Group. Denson played a key role in the company’s industry and geographical expansion as well as the firm’s revenue growth, helping build CAC Group to be a leading independent broker that delivers specialized solutions. He brings expertise in corporate strategy and business development initiatives, including strategic planning and expansion.

“We have built something truly remarkable with CAC – not only for our teammates but also for the industry and our clients. We have no intention of slowing down. In fact, quite the opposite,” noted Denson. “We are committed to elevating our company to an entirely new level, executing a strategy that delivers value to our clients, partners, and people.”

About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post CAC Group Transitions Bruce Denson, Jr. to Chief Strategy Officer appeared first on CAC Group.

Timing is everything when it comes to qualifying for renewable energy tax credits. With the One Big Beautiful Bill Act (OB3) introducing critical deadlines and new IRS guidance reshaping the rules, wind and solar projects face heightened risks. ​

Discover how to navigate these challenges, secure your tax credits, and leverage tax insurance to protect your investments.

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About CAC Group

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, please visit us at www.cacgroup.com.

Media Contact

Allyson Marcus
Senior Vice President, Communications Director
allyson.marcus@cacgroup.com

The post Client Alert: Begun Construction appeared first on CAC Group.