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Amelia Risk vs Aon

Both are brokers, but Amelia Risk describes a vertical-focused process with client quote discussions, while Aon’s U.S. terms describe application and binding instructions for certain Commercial Risk programs. 4,2,32,29

Introduction

Coverage Comparison

CoverageAmelia RiskAon
Builders riskNot listedListed 42Aon 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 policyListed 5,7Amelia Risk arranges business owner’s policies for startups.Not listed
Cargo and transitListed 11,9,6,8Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.Listed 37Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page.
Commercial autoListed 6,8Amelia Risk arranges commercial auto insurance for consumer-product businesses.Listed 34Aon 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 propertyNot listedListed 36Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.
CrimeListed 5,7,6,8Amelia Risk arranges employee crime (fidelity) insurance.Listed 34Aon 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 liabilityListed 16,9,5,7,6Amelia Risk arranges cyber insurance.Listed 35,34Aon 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 officersListed 13,9,5,7,6Amelia Risk arranges directors and officers liability.Listed 33Aon 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 liabilityListed 14,9,5,7,6Amelia Risk arranges employment practices liability.Listed 34Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
Fiduciary liabilityListed 5,7,6,8Amelia Risk arranges fiduciary liability.Listed 34Aon 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 liabilityListed 10,9,5,7,6Amelia Risk arranges general liability insurance.Listed 42Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.
Hired and non-owned autoListed 10,5,7,6Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.Not listed
Kidnap and ransomNot listedListed 34Aon 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.
Management liabilityNot listedListed 34Aon 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.
Product liabilityListed 6,8,10Amelia Risk arranges product liability insurance for consumer-product businesses.Not listed
Product recallListed 12,9,6,8Amelia Risk arranges product-recall insurance for consumer-product businesses.Not listed
Professional errors and omissions (E&O)Listed 5Amelia Risk arranges professional errors and omissions insurance for startups.Listed 34Aon 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 bondsNot listedListed 38Aon 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 17,9,7Amelia Risk arranges technology errors and omissions insurance for technology businesses.Not listed
Umbrella and excess liabilityListed 9,10,5,8Amelia Risk arranges umbrella and excess liability.Listed 42Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction.
Workers’ compensationListed 15,9,5,7,6Amelia Risk arranges workers’ compensation insurance.Listed 42Aon 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.

Amelia Risk

Broker

Broker

5.1/ 10

Assessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.

Provider assessment

Aon

Broker

Broker

6.7/ 10

Assessed 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.

Provider assessment

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.

Amelia Risk

2.0/ 10

Review Score

1 rated source

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]

Read Amelia Risk reviews

Aon

6.1/ 10

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 reviews

Key Differences Between Amelia Risk and Aon

Broker Role and Customer Focus

Both companies describe advising buyers and approaching insurers; neither brand is presented as the insurer in the cited materials. Aon’s U.S. terms describe broker-of-record services for certain programs. Amelia Risk describes gathering company information, representing clients to insurers, discussing offers, and leaving the decision to the client.

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. 29,30Company-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.

Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. 1,2,4,20,19Company-reported. Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.

Aon’s Middle Market page targets mid-sized organizations across North America but does not state a numeric cutoff. Amelia Risk instead names technology, startup, and consumer-product businesses, with examples including software, hardware, food, cosmetics, and life sciences; its public pages do not set revenue, headcount, or funding thresholds. A buyer should ask both firms which team would handle the account and whether its specific business activities fit the proposed placement.

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. 32,31Company-reported. Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated.

Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.

Application and Client Decisions

Aon says that, for certain U.S. Commercial Risk programs, it helps prepare applications and obtains the client’s instruction to bind a specific program. Amelia Risk describes a four-step conversation: gather information, approach insurers, review offers and recommendations with the buyer, then let the buyer decide.

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. 29Company-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.

Expect a broker conversation rather than a self-service binder: Amelia Risk gathers information, approaches insurers, reviews quotes with you, and leaves the decision to you. It says clients need not print, sign and scan multiple forms. A hosted interview suggests D&O underwriting may take days or weeks and recommends a two-to-three-week budget; this is an illustration, not a service deadline. No public quote calculator or sample application was found. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

These descriptions give you concrete questions for the first meeting: who collects the submission, which insurers will be approached, what documents are needed, and when your written authorization is required. Amelia Risk says it advocates for clients during claims; Aon’s terms assign insurer notice to the client unless separately agreed in writing. Those statements address different service duties, so ask who receives notice and what advocacy the engagement includes.

Amelia Risk says it will advocate for clients during claims, but does not describe an intake channel, dedicated claims staff, settlement authority or service metrics; ask who you will contact and what support includes. 4,21Company-reported. Company-reported advocacy. Not an assessment of claims outcomes or insurer claims practices.

Under Aon’s U.S. brokerage terms, the client is responsible for directly notifying insurers as its policies require unless a separate signed agreement says otherwise; Aon says it does not assume that notice or monitoring duty without a separate written agreement. This allocation does not determine whether Aon separately offers or agrees to claims advocacy or other claims-related services. 29,33,35Company-reported. Company-reported contractual allocation for covered U.S. Commercial Risk services; policy terms and any separate written agreement control. Aon separately describes claims advocacy on its D&O and cyber pages.

What to Confirm in Quotes

  • Ask Amelia Risk what fees or commissions apply; its reviewed public pages do not disclose amounts. Ask Aon for expected compensation and any applicable contingent arrangement.

Do not assume the free-consultation invitation means free placement: official pages do not disclose commissions, client fees, retainers or premium examples, and the consultation reference is from a 2021 blog post. 1,2,4,18,19,20,21Not publicly disclosed. Homepage, about, specialties, contact, privacy, and two 2021 blog posts. No terms of engagement page was found.

Aon’s U.S. brokerage terms say compensation may come from insurers or third parties and can vary by contract, insurer and arrangement. Aon and affiliates may also receive contingent and other compensation; contingent goals can create an incentive to place coverage with a particular insurer. Clients may request expected compensation information for their coverage and alternative quotes. The terms do not give a client-specific amount. 29Company-reported. General company-reported U.S. brokerage terms; actual compensation, fees and conflicts for a client or placement are not stated here and may depend on law or contract.

  • Request the producing entity, insurer, state-specific availability, policy forms, limits, exclusions, and notice instructions for each proposed line from either broker. 29 4
  • Compare the same completed submission and proposed terms; these public service descriptions do not establish matching eligibility, prices, or coverage. 29 4

Compare Services

What each provider documents about the services you may need

CriteriaAmelia RiskAon
Business role

Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. 1,2,4,20,19Company-reported. Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.

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. 29,30Company-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

Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.

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. 32,31Company-reported. Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated.

Application process

Expect a broker conversation rather than a self-service binder: Amelia Risk gathers information, approaches insurers, reviews quotes with you, and leaves the decision to you. It says clients need not print, sign and scan multiple forms. A hosted interview suggests D&O underwriting may take days or weeks and recommends a two-to-three-week budget; this is an illustration, not a service deadline. No public quote calculator or sample application was found. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

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. 29Company-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.

Servicing and renewals

If you want a specific online service workflow, confirm which tasks you can complete in the portals: Amelia Risk says it reads policies, negotiates coverage and uses technology to streamline administration. Its site links Nexsure, Ascend and ePayPolicy, but authenticated screens and payment flow were not reviewed (the payment host returned HTTP 500 without a session). 1,2,4,20,23,24,25Company-reported. Service claims are company-reported. Portal URLs confirm a client-login path exists; they do not document certificate, billing, or endorsement tools inside the portals.

Aon says it consults with clients before placing or renewing coverage and, where applicable, administers the insurer relationship for selected programs, including billing, data reporting and negotiated requirements. The terms do not promise automatic renewal, a timetable, a specific market or a particular outcome. 29Company-reported. Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement.

Sources

Amelia Risk Official Website

  1. Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
  2. About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
  3. Our Team. Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16.
  4. Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
  5. Insurance For Startups. Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider: D&O, EPL, fiduciary, professional liability, cyber, BOP (property, general liability, hired and non-owned auto), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  6. Insurance For CPG Companies. Amelia Risk Insurance Brokers; Better-for-you food, beverage and cosmetic audience; Insurance policies for CPG companies to consider: product liability, recall, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), general liability, employee crime/fidelity, workers compensation; FAQ on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16.
  7. Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: D&O, EPL, fiduciary, Tech E&O, cyber, BOP (property, general liability, hired and non-owned auto), general liability, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  8. Consumer Product Insurance. Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider: product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  9. Insurance Policies. Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16.
  10. General Liability. Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto (sometimes standalone); umbrella or excess over scheduled underlying liability limits. Accessed 2026-09-16.
  11. Stock Throughput. Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16.
  12. Product Recall. Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; when a company should buy it; As your broker, we help walk through these factors. Accessed 2026-09-16.
  13. Directors And Officers Liability. Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16.
  14. Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered; timing note on employers in California and New York. Accessed 2026-09-16.
  15. Workers Compensation. Amelia Risk Insurance Brokers; Description of workers compensation as statutory coverage required by all 50 states, and employer’s liability; when an employer with payroll should buy it. Accessed 2026-09-16.
  16. Cyber Liability. Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16.
  17. Technology Errors And Omissions. Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16.
  18. Contact Us. Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16.
  19. Privacy Policy. Amelia Risk Insurance Brokers; Opening identification of Amelia Risk Insurance Brokers and ameliarisk.com; comment, media and cookie notices. Accessed 2026-09-16.
  20. Why We Created Amelia Risk. Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16.
  21. The Importance Of An Insurance Broker. Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16.
  22. Podcast Episode – Beyond The Certificate With Startup CPG. Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Accessed 2026-09-16.
  23. Nexsure Client Login. Nexsure; Login page linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation. Accessed 2026-09-16.
  24. Ascend Insured Portal For Amelia Risk Insurance Brokers. Ascend; Login page at /amelia_risk_insurance_brokers linked from Amelia Risk navigation. Accessed 2026-09-16.
  25. Amelia Risk Pay Now. ePayPolicy; Footer Pay Now / MAKE A PAYMENT link. Accessed 2026-09-16.
  26. Business Name Search. California Department of Insurance; Agency or Organization Name search. Accessed 2026-09-16.
  27. Look Up A National Producer Number. National Insurance Producer Registry; Public NPN lookup definition page. Accessed 2026-09-16.
  28. Bizfile Online. California Secretary of State; Business search. Accessed 2026-09-16.

Aon Official Website

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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