Terms & ConditionsAboutCAC or CAC Group is a trade name used by certain subsidiaries of The Baldwin Insurance Group Holdings, LLC (“The Baldwin Group”). These subsidiaries operate as risk‑solutions companies and are leaders in the insurance brokerage industry, committed to serving clients in an innovative and transparent manner. Licensed subsidiaries include Cobbs Allen Capital, LLC (“CAC Specialty”), an industry‑leading specialty broker, and Cobbs Allen & Hall, LLC (“CAC Agency”), which provides property and casualty, personal lines, and employee benefits brokerage services. Collectively, CAC Group and its subsidiaries and affiliates are referred to in this disclosure as “we” or “CAC.”Pursuant to our licenses, we are authorized to advise clients regarding the benefits, terms, conditions, and pricing of insurance contracts, as well as to solicit, procure, and place insurance coverage. In providing these services, we may work with insurance carriers, group benefit providers, and other risk‑transfer markets (collectively, “insurers”), and may also engage other entities, including without limitation wholesale brokers, captive managers, and premium finance companies (collectively, “intermediaries”). CAC operates as a wholly owned subsidiary of The Baldwin Group.CAC Specialty UK is a trading name of The Baldwin Group Specialty UK, Ltd, and has a business relationship with Servca Group Limited. Servca Group Limited is authorized and regulated by the Financial Conduct Authority (FCA Registration No. 596006). CAC Specialty UK is registered in England and Wales under company number 17089953, with its registered office at 27 Old Gloucester Street, London, Camden WC1N.