Alliance Risk vs Aon: How Do They Compare for Builders Risk Insurance?

Alliance Risk, described on its site as a brokerage, arranges builders risk placements through what it calls "strong carrier partnerships"; the builders risk page does not name a specific issuing insurer. ^4,5Company-reported. Builders risk product page and the general brokerage disclosure on the coverage catalogue page.

Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For builders risk, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. ⁸Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

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The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ⁸Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

Alliance Risk lists property owners, real estate investors, developers, general contractors, construction managers, and architecture and engineering firms as common builders risk buyers. ⁴Company-reported. Builders risk product page, Who Needs Builders Risk Insurance? section.

Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. ⁸Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

Alliance Risk's builders risk offering bundles inland marine coverage for tools, machinery and materials in transit or stored off-site alongside the course-of-construction policy, and supports OCIP, CCIP and wrap-up structures for multi-party projects. ⁴Company-reported. Builders risk product page; actual policy structure depends on the carrier and the policy as issued.

Aon lists Builders Risk under construction property and says its construction property offering can address accidental damage to project property or materials during construction and operations. That is a broker’s description of the line, not a grant of coverage for a buyer. ⁸Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

Alliance Risk's builders risk page does not publish specific policy limits, deductibles or soft-cost sublimits. It contains inconsistent percentage and dollar premium illustrations—1%–4% of total construction value and $25,000–$100,000 on a $5 million build—that cannot be used as a reliable budget or quote. ⁴Not publicly disclosed. Builders risk product page as read on 2026-09-23; the published premium illustrations are inconsistent and are not a reliable estimate.

The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ⁸Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

Alliance Risk says its builders risk process includes project scope review and risk benchmarking across timeline, geography, materials and subcontractor risk, done in collaboration with the project owner, developer and contractor. ⁴Company-reported. Builders risk product page, Our Approach to Builders Risk section.

Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. ⁸Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

Alliance Risk says its construction claims team provides claims advocacy for builders risk policyholders from an initial loss through project closeout, aiming to reduce downtime and financial disruption. ⁴Company-reported. Builders risk product page, The Alliance Risk Difference section; outcome statements are company-reported and not independently verified.

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