Aon vs 
biBerk: How Do They Compare for Umbrella and Excess Liability Insurance?
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. biBerk: umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. 3,6
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. 1,2
What Is biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 4,5
Read the biBerk Umbrella and Excess Liability Insurance page
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. 7,8,9,10,11
Key Differences in Umbrella and Excess Liability Insurance
Underlying lines control what extends
biBerk says its umbrella only applies to coverage included in the underlying policy; auto claims are not added unless commercial auto is underneath. Aon describes 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. Ask for a schedule of underlying policies and make sure it matches the exposures in your contracts. 3 6
Exclusions and excess wording
biBerk lists intentional harm, damage to the insured’s own property, contractual liability and war among umbrella exclusions. Aon lists 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. Compare exclusions against each other and against the primary policies so the layer does not leave a gap you expected it to fill. 3 6
Quote route and existing policy
biBerk says its umbrella must accompany an existing liability policy and can be quoted online or by phone. 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. Confirm which primary policy qualifies and whether the umbrella must be placed with the same insurer. 3 6
What to Confirm in 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
- Ask biBerk to confirm the quoted coverage trigger, underlying policies and exclusions; its offering says umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. 6
Aon and biBerk Review Scores for 2026
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
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 reviewsbiBerk Review Score
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsAon vs biBerk Umbrella and Excess Liability Insurance Compared
Aon vs biBerk: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | biBerk Business Umbrella / Commercial Excess |
|---|---|---|
| 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. 3Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | Confirm in your quote. |
| 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. 3Not found in reviewed sources. 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. 3Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | Confirm in your quote. |
| 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. 3Company-reported. 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. | biBerk says umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says the umbrella only applies to coverages included in the underlying policy; without commercial auto underneath, auto claims are not added. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk lists intentional harm, damage to the insured’s own property, contractual liability and war as examples excluded from umbrella. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| 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. 3Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed. | Confirm in your quote. |
| 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. 3Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | biBerk offers online or phone access to quote its umbrella, which must accompany an existing liability policy. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
Related Pages for Aon vs biBerk Umbrella and Excess Liability
Umbrella and Excess Liability Insurance Pages for Aon and biBerk
Other Coverage Lines Compared for Aon vs biBerk
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Aon vs biBerk Umbrella and Excess Liability Insurance
Sources About Aon
- 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.
- 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.
- 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 biBerk
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Umbrella Insurance From biBerk | Get Coverage Today. biBerk; Coverage trigger, underlying policies and exclusions. Accessed 2026-09-28.
Sources for the Umbrella and Excess Liability Insurance Guide
- 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.
- Commercial Insurance Guide. 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.
- Lines of Insurance. 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.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
