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Aon vs CFC

Aon describes brokerage for certain U.S. programs; CFC says it can quote specialist technology cover as an MGA, while its U.S. application is completed by senior staff and sent to a broker. 1,19,17

Introduction

Coverage Comparison

CoverageAonCFC
Builders riskListed 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 transitListed 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 autoListed 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 propertyListed 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 27CFC offers property coverage within its property and casualty product.
CrimeListed 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 25,37CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Cyber liabilityListed 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 23CFC offers cyber insurance, including primary and excess products.
Directors and officersListed 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 25CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Employment practices liabilityListed 6Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.Listed 25CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.
Fiduciary liabilityListed 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 25CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
General liabilityListed 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 27CFC offers general liability within its property and casualty product.
Intellectual propertyNot listedListed 28CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry.
Kidnap and ransomListed 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.Listed 29CFC offers kidnap and ransom insurance, including a specialist marine product.
Management liabilityListed 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 24,25CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Media liabilityNot listedListed 35CFC offers media liability insurance for content creators and media businesses.
Product liabilityNot listedListed 36CFC offers product liability within its life-science and nutraceutical policies.
Product recallNot listedListed 30CFC offers product-recall and contaminated-product-recall insurance.
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 26CFC offers professional liability insurance for professional-service businesses.
Representations and warrantiesNot listedListed 31CFC offers buyer-side and seller-side representations and warranties insurance.
Surety bondsListed 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 listedListed 16CFC offers technology errors and omissions for technology businesses.
Umbrella and excess liabilityListed 14Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction.Listed 32CFC offers excess professional liability, general liability and cyber limits for small and micro businesses.
Virtual care and telehealthNot listedListed 33CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine.
Workers’ compensationListed 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

Broker

Broker

6.7/ 10

Assessed 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.

Provider assessment

CFC

Managing general agent

Carrier & MGA

No Spot Score

Assessment subject unavailable

Provider 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

6.1/ 10

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 reviews

CFC

-/ 10

Review Score

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]

Read CFC reviews

Key Differences Between Aon and CFC

Broker and Managing General Agent Roles

Aon’s U.S. Commercial Risk terms describe a broker relationship for certain programs. CFC says it can quote specialist cover as a managing general agent, performing some underwriting functions for insurers that carry the risk. CFC identifies CFC Underwriting Limited and U.S. producer CFC USA, Inc.; its brand is not the insurer name on every policy.

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.

CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 19,18Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

The roles affect who gathers information, makes underwriting decisions and appears as policy issuer. Aon’s sources do not identify a producer or insurer for a particular placement, and CFC’s general role statement does not identify the insurer for a buyer’s technology quote. Request each party’s legal role and the insurer in writing. 1 19

Technology Buyer Fit and Application

Aon markets a Middle Market practice for mid-sized organizations across North America without a numerical eligibility threshold. CFC says technology businesses from startups to multinationals, including some before revenue, can ask about its technology cover; that is an audience statement, not a promise of eligibility.

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.

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. 15Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

For certain Aon programs, a broker helps prepare underwriting information and the client signs required applications and instructs Aon to bind a selected program. CFC’s technology application calls for senior staff to complete it and send it to a broker; it asks about revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history.

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.

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 17,20Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Ask Aon what information the insurer needs and who submits it, or ask a CFC broker which insurer and wording apply to the quote. Verify effective date, limits, retention, exclusions and claims-made terms in the proposed policy; do not assume equivalent products or prices. 1 17

Compare Services

What each provider documents about the services you may need

CriteriaAonCFC
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.

CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 19,18Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

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.

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. 15Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

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.

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 17,20Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Sources

Aon Official Website

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.

CFC Official Website

  1. Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
  2. Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
  3. Technology companies — US application v2.4. CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
  4. Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
  5. About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
  6. Connect broker trading portal. CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
  7. CFC Response. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
  8. Notify a claim or cyber incident. CFC; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16.
  9. Cyber insurance — US. CFC; Cyber product cards: Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess. Accessed 2026-09-16.
  10. Management liability. CFC; Management liability; Side A DIC. Accessed 2026-09-16.
  11. Management liability — United States product brochure. CFC; Page 1: opening coverage list; What else is in the policy?; What we decline. Accessed 2026-09-16.
  12. Professional liability. CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
  13. Property & casualty. CFC; Property & casualty product description: property and general liability. Accessed 2026-09-16.
  14. Intellectual property insurance. CFC; Intellectual property product introduction; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
  15. Kidnap and ransom. CFC; Kidnap & ransom product cards and Key features. Accessed 2026-09-16.
  16. Product recall. CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16.
  17. Transaction liability. CFC; Transaction liability; Buyer protect; Seller protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
  18. Umbrella cover. CFC; Umbrella cover product description: policy lines, small and micro businesses, primary placement with CFC or others. Accessed 2026-09-16.
  19. Digital health insurance. CFC; eHealth product: Telemedicine, mHealth, Artificial intelligence, Remote patient monitoring. Accessed 2026-09-16.
  20. Medical malpractice. CFC; Our medical malpractice products. Accessed 2026-09-16.
  21. Media & entertainment. CFC; Media product description. Accessed 2026-09-16.
  22. Life science. CFC; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16.
  23. Fintech insurance. CFC; What does CFC’s fintech policy cover?; Fintech product. Accessed 2026-09-16.
  24. Financial institutions. CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
  25. Carbon insurance. CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
  26. Safeprotect misconduct liability. CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
  27. Terrorism. CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
  28. Marine. CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
  29. CFC launches admitted offerings for professional liability and technology E&O. CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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