Introduction
Coverage Comparison
| Coverage | Alliance Risk | Aon |
|---|---|---|
| Builders risk | Listed 9Alliance Risk arranges builders risk insurance. | Listed 25Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement. |
| Business owner’s policy | Listed 9Alliance Risk arranges business owner’s policies. | Not listed |
| Cargo and transit | Listed 9Alliance Risk arranges inland and ocean marine coverage for goods in transit. | Listed 20Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page. |
| Commercial auto | Listed 9Alliance Risk arranges commercial auto insurance. | Listed 17Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. |
| Commercial property | Listed 9Alliance Risk arranges property insurance. | Listed 19Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. |
| Crime | Listed 9Alliance Risk arranges crime insurance. | Listed 17Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. |
| Cyber liability | Listed 9Alliance Risk arranges cyber liability insurance. | Listed 18,17Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. |
| Directors and officers | Listed 9Alliance Risk arranges directors and officers liability insurance. | Listed 16Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement. |
| Employment practices liability | Listed 9Alliance Risk arranges employment practices liability insurance. | Listed 17Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. |
| Equipment breakdown | Listed 9Alliance Risk arranges equipment breakdown insurance. | Not listed |
| Fiduciary liability | Listed 9Alliance Risk arranges fiduciary liability insurance. | Listed 17Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. |
| General liability | Listed 9Alliance Risk arranges general liability insurance. | Listed 25Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. |
| Intellectual property | Listed 1Alliance Risk arranges intellectual-property insurance for technology businesses. | Not listed |
| Key person | Listed 9Alliance Risk arranges key person insurance. | Not listed |
| Kidnap and ransom | Not listed | Listed 17Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. |
| Liquor liability | Listed 9Alliance Risk arranges liquor liability for businesses serving or selling alcohol. | Not listed |
| Management liability | Listed 11Alliance Risk advises on management-liability packages and standalone options. | Listed 17Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established. |
| Media liability | Listed 9Alliance Risk arranges media and advertising liability insurance. | Not listed |
| Product liability | Listed 9Alliance Risk arranges product liability insurance. | Not listed |
| Product recall | Listed 9Alliance Risk arranges product recall insurance. | Not listed |
| Professional errors and omissions (E&O) | Listed 9Alliance Risk arranges professional liability insurance. | Listed 17Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed. |
| Surety bonds | Not listed | Listed 21Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. |
| Technology errors and omissions (E&O) | Listed 9Alliance Risk arranges technology errors and omissions insurance. | Not listed |
| Tools, equipment and inland marine | Listed 9Alliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site. | Not listed |
| Umbrella and excess liability | Listed 9Alliance Risk arranges umbrella and excess liability insurance. | Listed 25Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. |
| Workers’ compensation | Listed 9Alliance Risk arranges workers’ compensation insurance. | Listed 25Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Alliance Risk
BrokerBroker
5.8/ 10Assessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.
Aon
BrokerBroker
6.7/ 10Assessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Alliance Risk
Review Score
Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.[1][4][6]
Read Alliance Risk reviewsAon
Review Score
3 rated sources
Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]
Read Aon reviewsKey Differences Between Alliance Risk and Aon
Brokerage Scope and Customer Fit
Both companies describe brokerage rather than taking policy risk. Aon’s U.S. terms cover broker-of-record work for certain programs; Alliance Risk identifies itself as a broker and names Alliance Risk Insurance Services LLC as its subsidiary agency.
Aon’s U.S. Commercial Risk terms describe Commercial Risk Solutions U.S. as broker of record for certain insurance programs. Separate electronic-delivery terms name Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries to deliver arranged policies; the terms define an insurer as the policy issuer and risk bearer. These group-level descriptions do not identify the producer or authority for a particular placement. 12,13Company-reported. Company-reported U.S. Commercial Risk brokerage and electronic-delivery terms; certain programs only. No specific insured, licensed producer, appointment, policy issuer, state authority or placement was matched.
You buy through a broker that shops commercial insurance and advises on risk; Alliance Risk identifies Alliance Risk Insurance Services LLC as its subsidiary agency. 2,3,4Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
Their technology audiences are framed differently. Aon describes a Middle Market practice for mid-sized organizations across North America, without a numeric size cutoff. Alliance Risk markets technology insurance to companies across stages, from emerging startups to established technology businesses. If you are a technology company, ask each broker whether your size, products, and state fit the specific team and placement being proposed; neither description sets your eligibility.
Aon markets a dedicated Middle Market practice for mid-sized organizations and says it serves growing businesses across North America. The reviewed page gives no numerical size cutoff and does not establish U.S.-only eligibility; Aon’s broader global client statement describes the parent’s client base, not this practice’s eligibility rules. 15,14Company-reported. Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated.
Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. 1Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
Getting From Inquiry to Binding
Aon says it helps prepare applications for certain U.S. Commercial Risk programs and obtains a client’s instructions before binding a specific program. Alliance Risk’s public form is an initial, nonbinding quote inquiry. Its Tech E&O process asks for details such as services, revenue, employees, claims history, and customer concentration before it approaches insurers.
For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. 12Company-reported. Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind.
You can request a no-obligation quote through a contact form, but it is only an initial inquiry, not a bindable offer; the form asks for your company, website, contact details and message. 6Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
To get a technology E&O proposal, prepare service details, revenue, employee count, major client contracts, current coverage, five-year claims history and customer concentration; Alliance Risk says it reviews the current program and approaches specialist insurers. 10Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
That distinction affects what you prepare and when a decision becomes binding. A web inquiry from Alliance Risk is only the start of its review, while Aon’s terms describe a later client instruction tied to a program proposal. The pages do not establish comparable turnaround times. 12 6 10
What to Confirm in Quotes
- Ask which Aon entity would produce each policy and which insurer would issue it; Aon’s group-level terms do not map those roles to a specific placement. 12 13
- For Alliance Risk, confirm the contracting entity and the insurer for each proposed line; its reviewed terms use different Alliance Risk entity names. 3 4
- Give both brokers the same operations, revenue, employee, contract, and claims information, then compare written proposals, policy wording, limits, exclusions, compensation, and who handles claim notice. 12 10
Compare Services
What each provider documents about the services you may need
| Criteria | Alliance Risk | Aon |
|---|---|---|
| Business role | You buy through a broker that shops commercial insurance and advises on risk; Alliance Risk identifies Alliance Risk Insurance Services LLC as its subsidiary agency. 2,3,4Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. The parent company named in Alliance Risk’s disclosures is unclear, so confirm the contracting entity before signing. Its terms name Alliance Risk Holding Company LLC, while its privacy policy names Alliance Risk, Inc. 3,4Conflicting sources. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. | Aon’s U.S. Commercial Risk terms describe Commercial Risk Solutions U.S. as broker of record for certain insurance programs. Separate electronic-delivery terms name Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries to deliver arranged policies; the terms define an insurer as the policy issuer and risk bearer. These group-level descriptions do not identify the producer or authority for a particular placement. 12,13Company-reported. Company-reported U.S. Commercial Risk brokerage and electronic-delivery terms; certain programs only. No specific insured, licensed producer, appointment, policy issuer, state authority or placement was matched. |
| Customer focus | Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. 1Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. | Aon markets a dedicated Middle Market practice for mid-sized organizations and says it serves growing businesses across North America. The reviewed page gives no numerical size cutoff and does not establish U.S.-only eligibility; Aon’s broader global client statement describes the parent’s client base, not this practice’s eligibility rules. 15,14Company-reported. Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated. |
| Application process | You can request a no-obligation quote through a contact form, but it is only an initial inquiry, not a bindable offer; the form asks for your company, website, contact details and message. 6Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. To get a technology E&O proposal, prepare service details, revenue, employee count, major client contracts, current coverage, five-year claims history and customer concentration; Alliance Risk says it reviews the current program and approaches specialist insurers. 10Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. Build the quote schedule around your risk type: Alliance Risk advertises 24 hours generally, 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. These are company estimates, not deadlines. 6,1Conflicting sources. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. | For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. 12Company-reported. Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind. |
Related Reading
Sources
Alliance Risk Official Website
- Technology Insurance. Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Terms & Conditions. Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
- Privacy Policy. Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
- Insurance Licenses. Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Contact Us. Alliance Risk; Prefer to Call?; Talk to an Expert. Accessed 2026-09-16.
- All In One Insurance Risk Advisory to Protect Your Business. Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
- Alliance Products. Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together. Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.
Aon Official Website
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms. Aon; Lines 120–125: Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries in electronic delivery; insurer is defined as issuer and risk bearer. The passage does not identify a producing entity or insurer for a particular placement. Accessed 2026-09-28.
- Aon plc Form 10-K for the year ended December 31, 2025. Aon plc / U.S. Securities and Exchange Commission; Cover lines 23–34: Aon plc is incorporated in Ireland and gives Dublin as principal executive office; lines 261–263: global client breadth; lines 271–273 and segment discussion: company-reported Commercial Risk brokerage and risk-consulting operations. Filing is parent-level evidence, not placement producer, authority or insurer evidence. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Directors’ and Officers’ (D&O) Liability Insurance. Aon; Lines 135–160: general covered allegations and Side A, B and C scenarios, including public/private differences; lines 171–185: insurer-selection analytics, brokerage/claims-team collaboration and management-liability specialization. Product explanation and company-reported services; not an Aon-issued policy or quote. Accessed 2026-09-29.
- Professional Services Practice | Insurance Broking & Risk Management. Aon; Lines 125–128: global professional-services team and named law, accounting and consulting firm audience; lines 131–147: professional-liability/E&O offering and terminology; lines 151–176: cyber and EPL offerings, including management liability described at lines 158–163 as a partnership program/category; lines 180–189: professional-services P&C listing, including crime, fiduciary, kidnap and ransom, and automobile liability. “Loss Prevention” section (directly inspected passage at lines 209–212) conditions law-firm loss prevention on Aon broking of lawyers’ professional liability. Global practice page; no state-specific placement schedule. Accessed 2026-09-29.
- Cyber Risk. Aon; Lines 194–205: cyber risk financing and cyber insurance; lines 206–230: claims advocacy/preparation and third-party incident-response providers, separate client contracts, no performance guarantee, and possible referral remuneration. Company-reported global service description. Accessed 2026-09-29.
- Property Risk Management. Aon; Lines 132–140: property/buildings/contents and possible business-interruption cover, broker team services; lines 148–159: rates, retentions, limits, deductibles, benchmarking and U.S.-available Property Risk Analyzer; lines 161–168: global market access and alternate risk transfer. Tool availability does not establish placement availability or authority by state. Accessed 2026-09-29.
- Marine Insurance and Risk Management. Aon; Lines 123–126: global marine practice, customer examples and marine claims/risk services; lines 155–175: cargo offerings including project cargo, general cargo, stock throughput, excess storage and freight/logistics. No U.S. placement terms, insurer, limits or state authority specified. Accessed 2026-09-29.
- Commercial Surety. Aon; Lines 125–127: commercial surety bond description and three parties; lines 190–210: Aon says it approaches the surety market globally and describes its brokerage support, with offerings depending on jurisdiction; lines 211–222: examples of bond types. Global company marketing; no U.S. producing entity, state authority, issuer or placement terms. Accessed 2026-09-29.
- About | Aon. Aon; Aon’s company overview and Our Capabilities list distinguish Risk Capital from Human Capital and describe group-wide capabilities. General company identity context; not placement, authority or insurer evidence. Accessed 2026-09-28.
- Broking and Risk Transfer | Aon. Aon; Explore Our Risk Transfer Offerings; Property & Casualty, Specialty, Management Liability and industry listings. Broad catalogue only; not sufficient for a dedicated line record by itself. Accessed 2026-09-28.
- Financial and Executive Risks | Insurance Broking & Risk Management. Aon; Financial Services Group Overview; D&O, fiduciary, EPL and crime references plus policy design and insurer market knowledge. Broad category/source context; not sufficient by itself to establish a separate U.S. product. Accessed 2026-09-28.
- Construction and Infrastructure Insurance and Risk Management. Aon; Lines 125–126: global construction practice designing and placing risk solutions; lines 137–156: industry-specific property, casualty, construction professional liability, subcontractor default and construction surety offerings; lines 167–195: global coverage areas explicitly list Builders Risk, general/umbrella/excess liability within construction liability, workers compensation and surety among other categories. These are construction-practice marketing statements; page does not provide U.S. state or placement availability for each line. Accessed 2026-09-29.
