Aon vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Cargo and Transit Insurance?

Aon states it offers cargo insurance solutions and describes its role as cargo broker. The page does not name the carrier that would insure a particular shipment or account. ³Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

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The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. ³Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available.

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Aon addresses businesses across industries that move raw materials, components, finished goods and appliances by road, rail, sea or air, domestically and internationally. ³Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state.

The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. ⁸Company-reported. BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment.

The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. ⁹Company-reported. BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility.

Aon describes cargo insurance for physical loss or damage to goods during transportation and describes goods as protected during loading, unloading, storage and transit. Its listed options include General Cargo, Excess Storage, Stock Throughput and Project Cargo/Marine Delay in Start-Up. These are Aon’s product descriptions, not a guarantee that a buyer’s policy includes every category or peril. ³Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control.

BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. ⁸Company-reported. BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope.

BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. ⁸Company-reported. US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage.

BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. ⁹Company-reported. BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer.

The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. ³Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. ⁹Company-reported. U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer.

Aon describes cargo broking, risk consulting, claims management and a global network coordinating local expertise. These are brokerage and advisory services, not the insurer’s claim decision or a guarantee of recovery. ³Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

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