---
title: "Aon vs Chubb: Umbrella and Excess Liability Insurance"
description: "Compare Aon and Chubb 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-chubb/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-chubb"
provider-a: "aon"
provider-b: "chubb"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

**What this page is:** Focused comparison of Aon and Chubb 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 Chubb. 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 Chubb for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Aon or Chubb?
- What does Aon or Chubb 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 Chubb?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Aon and Chubb.
- 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 Chubb](https://spot.insure/compare/aon-vs-chubb) — 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)
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile (evidence)
- [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Commercial Auto Insurance](https://spot.insure/compare/aon-vs-chubb/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Commercial Property Insurance](https://spot.insure/compare/aon-vs-chubb/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Crime Insurance](https://spot.insure/compare/aon-vs-chubb/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Cyber Insurance](https://spot.insure/compare/aon-vs-chubb/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb D&O Insurance](https://spot.insure/compare/aon-vs-chubb/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-chubb/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb General Liability Insurance](https://spot.insure/compare/aon-vs-chubb/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-chubb/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Management Liability Insurance](https://spot.insure/compare/aon-vs-chubb/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Surety Bonds](https://spot.insure/compare/aon-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-chubb/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 Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-chubb/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 Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/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 Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Aon vs Chubb: How Do They Compare for Umbrella and Excess Liability Insurance?

Compare Aon and Chubb 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 Chubb Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Aon and Chubb 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 Chubb 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. Chubb: for large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

## 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 Chubb?

Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [5](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [6](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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. [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [12](https://www.coverdash.com/coverage "Coverage Hub") [13](https://kinro.com/products "Products")

## What Are the Key Differences Between Aon and Chubb Umbrella and Excess Liability Insurance?

### Underwriter and market segment

Chubb underwrites umbrella and excess directly and separates solutions for global, mid-sized, energy and construction accounts. Aon describes a brokered placement. A buyer can compare Chubb’s named underwriting segments with the market access its broker offers. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

### Broker issue platform

Chubb offers appointed brokers Express Umbrella to reserve, quote, bind and issue business. 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. Ask whether the platform or adviser-led process gives your account the servicing and renewal support it needs. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

### Underlying policy terms

Chubb describes tailored excess solutions by account segment, while 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. Neither overview gives your actual attachment point. Ask both to identify covered underlying policies, limits and exclusions in the quote. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

## What Should You Confirm in Aon and Chubb 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 Chubb to confirm the quoted coverage trigger, underlying policies and exclusions; its offering says for large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

## Aon vs Chubb Umbrella and Excess Liability Insurance Compared

| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | Chubb Umbrella & Excess Casualty Insurance |
| --- | --- | --- |
| 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..) | Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [8](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section..) |
| 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..) | Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Casualty Insurance Options section..) |
| 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..) | For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Casualty product page option descriptions..) |
| 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 umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella & Excess Casualty product page as read on 2026-09-23..)<br><br>When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. [8](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Workers'-compensation Total Account Solution section..) |
| 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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers..)<br><br>You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. [7](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Casualty product page quote call-to-action..) |

## Related Pages for Aon vs Chubb Umbrella and Excess Liability Insurance

- [Aon vs Chubb](https://spot.insure/compare/aon-vs-chubb): 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 Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk)
- [Aon vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-chubb/cargo-transit)
- [Aon vs Chubb Commercial Auto Insurance](https://spot.insure/compare/aon-vs-chubb/commercial-auto)
- [Aon vs Chubb Commercial Property Insurance](https://spot.insure/compare/aon-vs-chubb/commercial-property)
- [Aon vs Chubb Crime Insurance](https://spot.insure/compare/aon-vs-chubb/crime)
- [Aon vs Chubb Cyber Insurance](https://spot.insure/compare/aon-vs-chubb/cyber)
- [Aon vs Chubb D&O Insurance](https://spot.insure/compare/aon-vs-chubb/directors-officers)
- [Aon vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-chubb/employment-practices)
- [Aon vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-chubb/fiduciary)
- [Aon vs Chubb General Liability Insurance](https://spot.insure/compare/aon-vs-chubb/general-liability)
- [Aon vs Chubb Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-chubb/kidnap-ransom)
- [Aon vs Chubb Management Liability Insurance](https://spot.insure/compare/aon-vs-chubb/management-liability)
- [Aon vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-chubb/professional-errors-omissions)
- [Aon vs Chubb Surety Bonds](https://spot.insure/compare/aon-vs-chubb/surety-bonds)
- [Aon vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-chubb/workers-compensation)
- [AIG vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess)
- [AIG vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-chubb/umbrella-excess)
- [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess)
- [Alliance Risk vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/umbrella-excess)
- [Amelia Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/umbrella-excess)
- [Amelia Risk vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/umbrella-excess)

## Sources for Aon vs Chubb Umbrella and Excess Liability Insurance

### 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 Chubb

4. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
5. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
6. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
7. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella & Excess Casualty Insurance Options: Large Global and National Companies, Mid-Sized Companies, Energy Industry, Construction Industry; Express Umbrella Online Platform. Accessed 2026-09-23.
8. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Total Account Solution: umbrella insurance providing an additional layer of coverage over existing liability policies. Accessed 2026-09-23.

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

9. [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.
10. [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.
11. [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.
12. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
13. [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).

## Chubb Review Scores for 2026

Review Score: 6.9 / 10 from 5 rated sources, equally weighted.

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.

- NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance)
- Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com)
- Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159)
- ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html)
- MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews).

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