Insurance 101
MGA stands for this type of entity in insurance
Managing General Agent
The major milestone that MSI achieved in Q2 2024
$1B in premium
He is the Co-Founder and Chairman of The Baldwin Group
Lowry Baldwin
This gas makes up about 78% of Earth’s atmosphere
Nitrogen
This crisp fruit is a staple of fall harvests and is celebrated in pies, ciders, and picking festivals
Apple
Insurance that protect against damage from major water events but typically excludes burst pipes
Flood insurance
The year in which MSI joined The Baldwin Group
2019
They are the three operating groups of The Baldwin Group
Insurance Advisory Solutions, Underwriting Capacity & Technology Solutions, and Main Street Insurance Solutions
This chemical compound, NaCl, is found on most dining tables around the world
Salt
This gourd becomes the star of the season, appearing in pies, lattes, and spooky carvings
Pumpkin
This ratio is claims plus expenses divided by premium, and is a key profitability metric in P&C insurance
Combined ratio
Baldwin announced $110M in surplus financing tied to launching the full name of this reciprocal in 2025
Builder Reciprocal Insurance Exchange
This is the ticker symbol of The Baldwin Group
BWIN
This law states that for every action, there is an equal and opposite reaction
Newton’s Third Law of Motion?
This tree’s leaves famously turn brilliant shades of red and orange in the fall, especially in New England
Maple tree
A policy that provides coverage above primary liability limits
Umbrella
MSI was founded in 2015 to provide this type of insurance
Renters
The Baldwin Group’s internal guide aligning mission, vision, and values is called this
The Azimuth
This vitamin, often called the “sunshine vitamin,” is produced by your skin when exposed to sunlight
Vitamin D
This astronomical term refers to the point when the sun crosses the celestial equator heading south, marking the start of fall
Autumnal equinox
An insurer owned by it's policyholders rather than shareholders
Mutual insurance company
In April 2025, MSI introduced Commercial General Liability for this type of property
Habitational
This segment offers private risk management and employee benefits for high-net-worth individuals and businesses
Insurance Advisory Solutions
This natural polymer found in plants gives celery its crunch and is a major component of paper
Cellulose
This poetic term describes the natural process by which trees shed their leaves in preparation for winter
Abscission