Introduction
Coverage Comparison
| Coverage | Aon | Coalition |
|---|---|---|
| Builders risk | Listed 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 transit | Listed 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 auto | Listed 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 property | Listed 8Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. | Not listed |
| Crime | Listed 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 19Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. |
| Cyber liability | Listed 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 21Coalition offers cyber insurance. |
| Directors and officers | Listed 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 19Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. |
| Employment practices liability | Listed 6Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. | Listed 19Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. |
| Fiduciary liability | Listed 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 19Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. |
| General liability | Listed 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. | Not listed |
| Kidnap and ransom | Listed 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. | Not listed |
| Management liability | Listed 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. | Not listed |
| Media liability | Not listed | Listed 32Coalition identifies media liability within its Active Cyber policy. |
| 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 20Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. |
| Surety bonds | Listed 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 listed | Listed 15Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. |
| Umbrella and excess liability | Listed 14Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. | Not listed |
| Workers’ compensation | Listed 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
BrokerBroker
6.7/ 10Assessed 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.
Coalition
Hybrid providerBroker
6.1/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
Carrier & MGA
6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
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 reviewsCoalition
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsKey Differences Between Aon and Coalition
Broker Role and Insurance Responsibility
Aon’s U.S. Commercial Risk terms describe a broker relationship for certain programs. Coalition says U.S. buyers get cyber insurance and risk-management services, identifies Coalition Insurance Solutions, Inc. as its producer and surplus-lines broker, and says the insurer remains responsible for policy obligations.
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.
Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 16,21Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Those descriptions do not identify the producer or insurer for a particular Aon placement, or the specific insurer for a Coalition quote. Coalition’s security operator is also not an insurer. Ask for the exact producing entity, insurer, and party responsible for each service. 1 16 21
Technology Customers and Application Route
Aon markets a Middle Market practice for mid-sized organizations across North America, with no numerical cutoff stated in the reviewed material. Coalition says technology businesses can ask about Tech E&O for exposures such as software downtime or failed delivery; this does not establish qualification for every startup or product.
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.
Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. 15Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
For certain Aon programs, Aon helps prepare underwriting information and gets the client’s instructions to bind a selected program. Coalition requires an appointed broker and says underwriting reviews industry, finances, operations and security. If a broker does not offer Coalition, it says it can help locate access; a Tech E&O application may need review before a price is released.
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.
You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. 27Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Ask Aon which markets it will approach and who must authorize binding. Ask Coalition whether your broker is appointed, which insurer would issue the quote, what security and operations details are required, and whether Tech E&O needs further underwriting. Compare actual limits, retentions and exclusions; equivalent terms or prices are not established. 1 27 26
Compare Services
What each provider documents about the services you may need
| Criteria | Aon | Coalition |
|---|---|---|
| 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. | Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 16,21Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. 16Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. 16Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| 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. | Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. 15Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. 31Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| 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. | You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. 27Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. 26Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
Related Reading
Sources
Aon Official Website
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Coalition Official Website
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
- Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
- Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
- How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
- How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
- Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
- Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.
