--- title: "Aon vs The Baldwin Group: Builders Risk Insurance" description: "Aon describes project-specific risk-transfer advice; The Baldwin Group lists budgeting, contract support, loss control, and claims advocacy for real-estate clients." canonical: "https://spot.insure/compare/aon-vs-baldwin/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aon-vs-baldwin" provider-a: "aon" provider-b: "baldwin" 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/aon-vs-baldwin/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Aon and The Baldwin Group 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 Aon versus The Baldwin Group. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Aon vs The Baldwin Group for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Aon or The Baldwin Group? - What does Aon or The Baldwin Group publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Aon or The Baldwin Group? **Key facts:** - Line: Builders Risk Insurance. Providers: Aon and The Baldwin Group. - 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Aon vs The Baldwin Group](https://spot.insure/compare/aon-vs-baldwin) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence) - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Aon vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-baldwin/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Commercial Auto Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aon-vs-baldwin/cyber) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aon-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-baldwin/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/management-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Surety Bonds](https://spot.insure/compare/aon-vs-baldwin/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-baldwin/workers-compensation) — 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) - [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-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) - [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) # Aon vs The Baldwin Group: How Do They Compare for Builders Risk Insurance? Aon describes project-specific risk-transfer advice; The Baldwin Group lists budgeting, contract support, loss control, and claims advocacy for real-estate clients. ## How to Use the Aon vs The Baldwin Group Builders Risk Insurance Comparison Use this comparison to evaluate Aon and The Baldwin Group 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. ## Aon vs The Baldwin Group Builders Risk Insurance Summary Aon describes construction risk advice to shape transfer and mitigation strategies. The Baldwin Group’s real-estate services include project insurance budgeting, contract support, loss-control surveys, and claims consultants. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") ## 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. [1](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") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [Aon profile](https://spot.insure/insurance-providers/aon) ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [4](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [5](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## 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. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](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 Aon and The Baldwin Group Builders Risk Insurance? ### Advice Before Placement Aon frames its construction work around project-specific risk review and developing risk-transfer, management, or mitigation strategies. The Baldwin Group’s builders-risk record instead names practical real-estate services: insurance budgeting, contract support, safety procedures, and proactive risk management. For a project team, the useful distinction is whether its immediate need is structured risk analysis or help coordinating project insurance and contract requirements. Ask both firms to define the work included for this project, not just the practice capabilities. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ### Project Support After Placement The Baldwin Group also describes loss-control surveys, claims advocacy, and dedicated claims consultants for real-estate clients. Aon’s reviewed line record describes a global construction team and market access, but does not specify a builders-risk claims-consultant service. That difference matters when deciding who will assist after a loss; it does not establish which insurer adjusts or pays a claim. Name the servicing broker and insurer contacts in the placement documents. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ## What Should You Confirm in Aon and The Baldwin Group Builders Risk Insurance Quotes? - Who will be the named point of contact for a builders-risk loss, and what claims advocacy is included? [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") - Which budgeting, contract-review, and safety services are included for this project? [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ## Aon vs The Baldwin Group Builders Risk Insurance Compared | Criteria | Aon Builders Risk brokerage and risk-advisory offering | Baldwin Builders Risk Brokerage and Risk Advisory | | --- | --- | --- | | Role in This Line | 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. [3](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..) | The source describes The Baldwin Group’s brokerage or advisory role for Builders Risk Brokerage and Risk Advisory. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | | Issuing Insurer | 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. [3](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..) | Confirm in your quote. | | Who It’s For | 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. [3](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..) | Baldwin’s real-estate page names developers, owners, managers, merchant builders, community associations, REITs, lenders, private equity and family offices; the digital-infrastructure page separately lists builders’ risk as a potential coverage consideration. These are audiences and practice scopes, not eligibility approvals. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | | Coverage Features | 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. [3](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..) | Baldwin describes builders’ risk as insurance for construction projects and lists builders’ risk and construction liability among real-estate construction services. It does not identify a carrier, project-specific form or granted policy terms. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | | Limits and Retentions | 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. [3](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..) | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | | Risk Services | 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. [3](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..) | Baldwin describes project insurance budgeting, contract support, safety procedures, proactive risk management, loss-control surveys, claims advocacy and dedicated claims consultants for real-estate clients. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | ## Related Pages for Aon vs The Baldwin Group Builders Risk Insurance - [Aon vs The Baldwin Group](https://spot.insure/compare/aon-vs-baldwin): 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. - [Aon vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-baldwin/cargo-transit) - [Aon vs The Baldwin Group Commercial Auto Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-auto) - [Aon vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-property) - [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) - [Aon vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aon-vs-baldwin/cyber) - [Aon vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aon-vs-baldwin/directors-officers) - [Aon vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/employment-practices) - [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) - [Aon vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/general-liability) - [Aon vs The Baldwin Group Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-baldwin/kidnap-ransom) - [Aon vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/management-liability) - [Aon vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-baldwin/professional-errors-omissions) - [Aon vs The Baldwin Group Surety Bonds](https://spot.insure/compare/aon-vs-baldwin/surety-bonds) - [Aon vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/umbrella-excess) - [Aon vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-baldwin/workers-compensation) - [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) - [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) - [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) - [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk) ## Sources for Aon vs The Baldwin Group Builders Risk Insurance ### Sources About Aon 1. [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. 2. [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. 3. [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 About The Baldwin Group 4. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 5. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 6. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/digital-infrastructure/). The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29.. Accessed 2026-09-30. 7. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29.. Accessed 2026-09-30. ### Sources for the Builders Risk Insurance Guide 8. [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. 9. [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. 10. [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. 11. [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 2026-09-30. 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. ## 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). ## The Baldwin Group Review Scores for 2026 Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aon-vs-baldwin/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)