Introduction
Coverage Comparison
| Coverage | Aon | Beazley |
|---|---|---|
| Builders risk | Listed 14Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement. | Not listed |
| Cargo and transit | Listed 9Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page. | Not listed |
| Commercial auto | Listed 6Aon 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. | Not listed |
| Commercial property | Listed 8Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. | Listed 29Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis. |
| Crime | Listed 6Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. | Listed 25Beazley offers commercial crime insurance. |
| Cyber liability | Listed 7,6Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. | Listed 15,23Beazley offers cyber insurance for small and midsized businesses. |
| Directors and officers | Listed 5Aon 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. | Listed 24Beazley offers directors and officers liability insurance for private organizations through ExecuGuard. |
| Employment practices liability | Listed 6Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. | Listed 24Beazley offers employment practices liability insurance for private organizations through ExecuGuard. |
| Fidelity bonds | Not listed | Listed 25Beazley offers fidelity bonds for financial institutions. |
| Fiduciary liability | Listed 6Aon 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. | Listed 24Beazley offers fiduciary liability insurance for private organizations through ExecuGuard. |
| General liability | Listed 14Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. | Listed 31,27Beazley offers general liability insurance in packages such as its environmental-services policy. |
| Hired and non-owned auto | Not listed | Listed 31Beazley offers hired and non-owned auto coverage within its environmental-services package. |
| Kidnap and ransom | Listed 6Aon 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. | Not listed |
| Management liability | Listed 6Aon 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. | Listed 24Beazley offers management liability insurance for private organizations through ExecuGuard. |
| Media liability | Not listed | Listed 15Beazley offers media liability insurance through MediaTech for small technology and business-services companies. |
| Medical malpractice | Not listed | Listed 27,28Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations. |
| Product liability | Not listed | Listed 28Beazley offers product liability insurance for middle-to-large life-sciences organizations. |
| Product recall | Not listed | Listed 30Beazley offers product recall insurance through its manufacturing risk product. |
| Professional errors and omissions (E&O) | Listed 6Aon 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. | Listed 15,31Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. |
| Representations and warranties | Not listed | Listed 26Beazley offers representations and warranties insurance. |
| Surety bonds | Listed 10Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. | Not listed |
| Technology errors and omissions (E&O) | Not listed | Listed 15Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies. |
| Umbrella and excess liability | Listed 14Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. | Not listed |
| Virtual care and telehealth | Not listed | Listed 27Beazley offers virtual care insurance for digital-health businesses. |
| Workers’ compensation | Listed 14Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. | Not listed |
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.
Aon
BrokerBroker
6.7/ 10Assessed 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.
Beazley
Hybrid providerBroker
6.9/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.
Carrier & MGA
5.5/ 10Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity 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.
Aon
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 reviewsBeazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsKey Differences Between Aon and Beazley
Brokerage Versus Insurance Product
Aon’s U.S. terms describe Commercial Risk Solutions U.S. as broker of record for certain programs. Beazley is a specialty insurance group; its materials distinguish the group from the underwriting company that issues a specific policy. Aon helps arrange coverage, while a Beazley quote is for a named product whose insurer still needs to be confirmed.
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. 1,2Company-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.
Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. 19,20,21Company-reported. US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.
This means the comparison is between a broker relationship and an insurer’s product route, not two interchangeable policies. Aon’s terms do not identify the producer or issuer for an individual placement. Beazley’s MediaTech materials also do not establish the issuing insurer for every quote. Ask for the producer and insurer on each proposal before comparing wording or price. 1 15 21
Customer Scope and Placement Route
Aon describes its Middle Market practice for mid-sized organizations across North America without defining a numerical eligibility threshold. Beazley positions MediaTech for small technology and business-services companies; for small-business MediaTech, it describes access through third-party placement platforms or email.
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. 4,3Company-reported. Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated.
Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 15,27,28Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources.
Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 15,16Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested.
Aon’s terms describe help preparing underwriting information and applications, with the client signing required applications and instructing Aon to bind a selected program. Beazley says small-business MediaTech placements can arrive through a third-party platform or email; that route does not itself establish acceptance or binding. Ask who prepares each application, which documents the insurer needs, and when your written authorization is required.
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. 1Company-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.
Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 15,16Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested.
What to Confirm in Quotes
- Ask Aon for each producing entity, insurer, compensation arrangement, and who must notify the insurer about a claim. 1
- Ask Beazley which underwriting company would issue your MediaTech policy and whether the quote includes technology E&O, professional E&O, media, and cyber coverage. 15 16
- Compare the same exposures, limits, retentions, exclusions, retroactive dates, and claims-made reporting rules in the actual proposed forms. Beazley’s cited sample application and policy are not a substitute for your quote wording. 16 17 1
Compare Services
What each provider documents about the services you may need
| Criteria | Aon | Beazley |
|---|---|---|
| Business role | 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. 1,2Company-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. | Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. 19,20,21Company-reported. US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established. |
| Customer focus | 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. 4,3Company-reported. Company-reported marketing page, North America; no numerical revenue, employee-count, state or U.S.-only eligibility definition is stated. | Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 15,27,28Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources. |
| Application process | 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. 1Company-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. | Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 15,16Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested. |
Related Reading
Sources
Aon Official Website
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Beazley Official Website
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
- Beazley MediaTech Sample Policy. Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
- Beazley MediaTech Renewal Application. Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- US Web Services Terms of Use. Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
- US Contingency Toolkit. Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
- Notify a Claim. Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
- Full Spectrum Cyber for Small Businesses. Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
- Crime and Fidelity. Beazley; What we offer: Commercial Crime (commercial companies) and Financial Fidelity Bonds (financial institutions); fraudulent instruction condition. Accessed 2026-09-16.
- Mergers & Acquisitions. Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Life Sciences. Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16.
- North American Commercial Property. Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). Accessed 2026-09-16.
- Product Recall – Manufacturing Risk and Response. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
- Environmental Package Policy (BeazleyOne Environmental). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
- Beazley US Marine. Beazley; Beazley US Marine: What we offer: Marine Hull and Marine Liability, primary and excess. Accessed 2026-09-16.
- US Specialty Programs. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
- Explore All Products. Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.
