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
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 4,5,6
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 8,9,10
Key Differences in Commercial Property Insurance
Property Tiers and Account Scale
CNA identifies Connect for small risks, Paramount for midsize, and Touchstone for large property risks. Aon describes services to protect buildings, contents, and inventory but does not publish comparable size bands. Ask CNA which tier matches your locations and ask Aon which markets and account segment it would approach. 7 3
Available Placement Structures
CNA describes admitted and non-admitted placements and primary, buffer, excess, quota-share, or shared and layered structures. Aon says its brokers build property programs with carriers but does not specify structures in this record. If your values need multiple layers, request a written tower showing attachment points and each issuing market from both. 7 3
Risk Control and Modeling
CNA identifies sprinkler review and business-continuity planning by property risk-control professionals. Aon describes catastrophe modeling, risk control, claims advocacy, and a Property Risk Analyzer available in the U.S. Ask what information each team needs to assess your sites and what recommendations or modeling outputs you will receive. 7 3
What to Confirm in Commercial Property Insurance Quotes
- Which CNA tier, admitted status, attachment points, and limits fit your property schedule?
- Will Aon’s Property Risk Analyzer and catastrophe modeling cover each location and peril you need to assess?
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 reviewsCNA
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsOffering Details
Aon vs CNA: Commercial Property Insurance: documented features by provider
| Criteria | Aon Commercial Property brokerage and risk-advisory offering | CNA Commercial Property |
|---|---|---|
| Role in This Line | Aon describes property brokerage and consulting and says brokers work with insurance carriers to build a property program. Aon is marketing a brokered placement and risk-management service; the page does not name the insurer for an individual placement. 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. | Confirm in your quote. |
| Issuing Insurer | 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. | Confirm in your quote. |
| Who It’s For | Aon describes property-risk services for organizations seeking to protect property, buildings, contents and inventory. Its page is a global capability description and does not define an applicant eligibility schedule. 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. | CNA identifies Connect for small, Paramount for midsize and Touchstone for large property risks. 7Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Coverage Features | Aon describes commercial property insurance as protection against loss of property, buildings and contents or inventory from perils such as fire, natural catastrophe, theft and vandalism; it says insurance can also provide business-interruption coverage after property damage. These are general descriptions, not terms of a buyer’s policy. 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. | CNA describes admitted/non-admitted and primary, buffer, excess, quota-share or shared/layered placement options. 7Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Limits and Retentions | 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. | Confirm in your quote. |
| Risk Services | Aon describes property brokerage and consulting for business interruption, captive integration, claims advocacy, catastrophe modeling, risk control and terrorism/crisis management. Its US-available Property Risk Analyzer models potential losses and insurance program options; tool availability does not establish placement availability. 3Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated. | CNA identifies sprinkler review and business-continuity planning by property risk-control professionals. 7Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial property; capacity subject to underwriting Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
Full Comparison
More Aon vs CNA Comparisons
Other Commercial Property Insurance Comparisons
Sources
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.
- Property Risk Management. Aon; Commercial property description and risk advisory approach, lines 123–140; risk modeling, benchmarking, claims support, risk analyzer and global market access, lines 146–168; contact link at top. Accessed 2026-09-30.
CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
