--- title: "Alliance Risk vs Aon: Builders Risk Insurance" description: "Alliance Risk describes bundled off-site and transit materials with wrap-up structures; Aon describes construction property risk advice and accidental damage during construction." canonical: "https://spot.insure/compare/alliance-risk-vs-aon/builders-risk" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "alliance-risk-vs-aon" provider-a: "alliance-risk" provider-b: "aon" coverage-line: "builders-risk" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and Aon for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Alliance Risk versus Aon. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Alliance Risk vs Aon for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Alliance Risk or Aon? - What does Alliance Risk or Aon publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Alliance Risk or Aon? **Key facts:** - Line: Builders Risk Insurance. Providers: Alliance Risk and Aon. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Alliance Risk vs Aon](https://spot.insure/compare/alliance-risk-vs-aon) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence) - [Alliance Risk vs Aon Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon D&O Insurance](https://spot.insure/compare/alliance-risk-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/management-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-aon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Chubb Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs Aon: How Do They Compare for Builders Risk Insurance? Alliance Risk describes bundled off-site and transit materials with wrap-up structures; Aon describes construction property risk advice and accidental damage during construction. ## How to Use the Alliance Risk vs Aon Builders Risk Insurance Comparison Use this comparison to evaluate Alliance Risk and Aon for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Alliance Risk vs Aon Builders Risk Insurance Summary Alliance Risk describes inland-marine protection for tools and materials in transit or off site alongside course-of-construction coverage. Aon lists Builders Risk under construction property and describes accidental damage to project property or materials during construction and operations. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") ## What Is Alliance Risk? Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## What Is Aon? Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [6](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [7](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [Aon profile](https://spot.insure/insurance-providers/aon) ## What Is Builders Risk Insurance? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## What Are the Key Differences Between Alliance Risk and Aon Builders Risk Insurance? ### Materials Away From the Site Alliance Risk’s builders-risk description explicitly pairs course-of-construction coverage with inland-marine protection for tools, machinery, and materials in transit or stored off site. Aon describes accidental damage to project property or materials during construction and operations, but its reviewed builders-risk page does not detail a comparable inland-marine extension. A project with off-site fabrication or stored materials should therefore be scheduled against the actual proposal, rather than assuming the broad line description includes those exposures. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") ### Project Structure and Advice For multi-party builds, Alliance Risk says its placement can support OCIP, CCIP, and wrap-up structures, and its team reviews project scope across timeline, geography, materials, and subcontractor risk. Aon describes project risk advice to develop transfer, management, or mitigation strategies. The distinction is between named coordination structures and broader advisory work; ask each to state the proposed parties, services, and responsibility for coordinating them. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") ## What Should You Confirm in Alliance Risk and Aon Builders Risk Insurance Quotes? - Will the quote include inland-marine protection at each storage and transit location, with separate values shown? [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") - Can the placement accommodate an OCIP, CCIP, or wrap-up, and who coordinates enrolled contractors? [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") ## Alliance Risk vs Aon Builders Risk Insurance Compared | Criteria | Alliance Risk Builders Risk Insurance | Aon Builders Risk brokerage and risk-advisory offering | | --- | --- | --- | | Role in This Line | 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](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [5](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: 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. [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | | Issuing Insurer | Confirm in your quote. | 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. [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not found in reviewed sources; scope: 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..) | | Who It’s For | Alliance Risk lists property owners, real estate investors, developers, general contractors, construction managers, and architecture and engineering firms as common builders risk buyers. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | | Coverage Features | 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. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: 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..) | | Limits and Retentions | 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. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | | Risk Services | 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. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | | Claims Support | 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. [4](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: Builders risk product page, The Alliance Risk Difference section; outcome statements are company-reported and not independently verified..) | Confirm in your quote. | ## Related Pages for Alliance Risk vs Aon Builders Risk Insurance - [Alliance Risk vs Aon](https://spot.insure/compare/alliance-risk-vs-aon): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Alliance Risk vs Aon Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cargo-transit) - [Alliance Risk vs Aon Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-auto) - [Alliance Risk vs Aon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-property) - [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime) - [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) - [Alliance Risk vs Aon D&O Insurance](https://spot.insure/compare/alliance-risk-vs-aon/directors-officers) - [Alliance Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/employment-practices) - [Alliance Risk vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/fiduciary) - [Alliance Risk vs Aon General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/general-liability) - [Alliance Risk vs Aon Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/management-liability) - [Alliance Risk vs Aon Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-aon/professional-errors-omissions) - [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess) - [Alliance Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-aon/workers-compensation) - [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk) - [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [Alliance Risk vs Chubb Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/builders-risk) - [Alliance Risk vs CNA Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-cna/builders-risk) ## Sources for Alliance Risk vs Aon Builders Risk Insurance ### Sources About Alliance Risk 1. [Technology Insurance](https://joinalliancerisk.com/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. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 4. [Builders Risk Insurance](https://joinalliancerisk.com/builders-risk-insurance/). Alliance Risk; Builders Risk Insurance That Keeps Your Projects on Track; Our Approach to Builders Risk; The Alliance Risk Difference; Who Needs Builders Risk Insurance?; How Much Does Builders Risk Insurance Cost?. Accessed 2026-09-23. 5. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23. ### Sources About Aon 6. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). 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. 7. [Middle Market Clients](https://www.aon.com/en/capabilities/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. 8. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30. ### Sources for the Builders Risk Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 11. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 12. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Alliance Risk Review Scores for 2026 Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews). ## Aon Review Scores for 2026 Review Score: 6.1 / 10 from 3 rated sources, equally weighted. 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. - J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com) - BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291) - BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)