---
title: "Aon vs The Baldwin Group: Umbrella and Excess Liability Insurance"
description: "Compare Aon and The Baldwin Group on umbrella and excess liability insurance to see how their documented coverage, audience or placement routes affect your quote questions."
canonical: "https://spot.insure/compare/aon-vs-baldwin/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-baldwin"
provider-a: "aon"
provider-b: "baldwin"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-baldwin/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Aon and The Baldwin Group for Umbrella and Excess Liability 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 Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Aon or The Baldwin Group?
- What does Aon or The Baldwin Group publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Aon or The Baldwin Group?

**Key facts:**
- Line: Umbrella and Excess Liability 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
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 Builders Risk Insurance](https://spot.insure/compare/aon-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line)
- [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 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 Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/umbrella-excess) — 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 The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Aon vs The Baldwin Group: How Do They Compare for Umbrella and Excess Liability Insurance?

Compare Aon and The Baldwin Group on umbrella and excess liability insurance to see how their documented coverage, audience or placement routes affect your quote questions.

## How to Use the Aon vs The Baldwin Group Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Aon and The Baldwin Group for Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance Summary

Aon: umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. The Baldwin Group: baldwin lists umbrella and excess liability as coverage options in those commercial programs. It does not identify underlying policies, attachment points, follow-form terms or limits. [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/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure")

## 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 Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [11](https://www.coverdash.com/coverage "Coverage Hub") [12](https://kinro.com/products "Products")

## What Are the Key Differences Between Aon and The Baldwin Group Umbrella and Excess Liability Insurance?

### How the excess layer follows underlying coverage

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. The Baldwin Group describes baldwin lists umbrella and excess liability as coverage options in those commercial programs. It does not identify underlying policies, attachment points, follow-form terms or limits. Ask whether the proposed form follows the underlying wording or adds a stated feature, and identify the policies and exhaustion points it requires. [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/solutions/private-equity/ "M&A, Private Equity & VC Risk Management")

### Capacity and buyer segment

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. The Baldwin Group describes baldwin describes risk assessment, program design, claims management and support for digital-infrastructure clients and portfolio companies. Compare the stated industry appetite and available capacity with your operations, then request the actual limit and attachment point for your account. [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/solutions/private-equity/ "M&A, Private Equity & VC Risk Management")

### Broker or insurer service route

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. The Baldwin Group describes the source describes The Baldwin Group’s brokerage or advisory role for Umbrella and Excess Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. Ask who handles underwriting questions, renewal changes and claims advocacy for the layer. [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/solutions/private-equity/ "M&A, Private Equity & VC Risk Management")

## What Should You Confirm in Aon and The Baldwin Group Umbrella and Excess Liability Insurance Quotes?

- Ask Aon to confirm the quoted coverage trigger, underlying policies and exclusions; its offering says umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")
- Ask The Baldwin Group to confirm the quoted coverage trigger, underlying policies and exclusions; its offering says baldwin lists umbrella and excess liability as coverage options in those commercial programs. It does not identify underlying policies, attachment points, follow-form terms or limits. [6](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management")

## Aon vs The Baldwin Group Umbrella and Excess Liability Compared

| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | Baldwin Umbrella and Excess Liability Brokerage 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 umbrella and excess liability, 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 Umbrella and Excess Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [6](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 lists umbrella/excess liability among possible digital-infrastructure coverages and a complete P&C strategy for M&A portfolio companies. The pages do not establish an insured’s eligibility. [6](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 Umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular 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 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 lists umbrella and excess liability as coverage options in those commercial programs. It does not identify underlying policies, attachment points, follow-form terms or limits. [6](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 risk assessment, program design, claims management and support for digital-infrastructure clients and portfolio companies. [6](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [7](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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

- [Aon vs The Baldwin Group](https://spot.insure/compare/aon-vs-baldwin): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Aon vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aon-vs-baldwin/builders-risk)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-baldwin/workers-compensation)
- [AIG vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess)
- [AIG vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/umbrella-excess)
- [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess)
- [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess)
- [Amelia Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/umbrella-excess)
- [Amelia Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/umbrella-excess)

## Sources for Aon vs The Baldwin Group

### 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. [M&A, Private Equity & VC Risk Management](https://baldwin.com/business-insurance/solutions/private-equity/). The Baldwin Group; Transactional-risk insurance and placement claims lines 72–80; P&C line list lines 101–116; accessed 2026-09-29.. Accessed 2026-09-30.
7. [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.

### Sources for the Umbrella and Excess Liability Insurance Guide

8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. 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 Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
10. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
12. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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).

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