What Is Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 1,2
What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 4,5
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
Key Differences in D&O Insurance
Private-Company Product and Broker Program
Counterpart describes a management-liability product for private companies and lists claim scenarios its D&O coverage addresses. Aon explains the Side A, B and C structure but does not publish a specific policy grant. Compare Counterpart’s named scenarios with the carrier form Aon proposes, including company reimbursement and entity coverage. 3 6
Claim Scenarios and Eligibility
Counterpart targets private companies and also describes nonprofit coverage. Aon discusses public and private firms without a detailed underwriting schedule. Ask Counterpart how its eligibility applies to your entity type and ask Aon which insurers will consider the same ownership and governance structure. 3 6
What to Confirm in D&O Insurance Quotes
- Ask Counterpart for its issuing insurer, entity and nonprofit terms; ask Aon for carrier, Side A/B/C limits and exclusions. 3
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 reviewsCounterpart
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsOffering Details
Aon vs Counterpart: D&O Insurance: documented features by provider
| Criteria | Aon Directors and Officers Liability brokerage and risk-advisory offering | Private Company and Nonprofit Directors & Officers Liability |
|---|---|---|
| Role in This Line | Aon markets D&O broking and advisory services, including insurer selection and program design. It does not issue the described coverage or name the carrier for a buyer’s 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. | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. 4,8Company-reported. The cited pages do not map a particular insurer to a D&O quote or state. |
| 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 D&O services for public and private companies and discusses executives, directors, managers and board members. This is a target-audience description, not an underwriting 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. | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. 6,7Company-reported. Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review. |
| Coverage Features | Aon explains D&O policies generally through Side A individual protection when company indemnity is unavailable, Side B reimbursement when the company indemnifies a director or officer, and Side C entity coverage, with different descriptions for public and private companies. It notes exclusions can apply; an issued policy determines the actual scope. 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. | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. 6Company-reported. Illustrations and summaries are not policy terms or an available limit commitment. Counterpart separately markets D&O for not-for-profit organizations. 7Company-reported. The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy. |
| 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 says its brokerage and claims teams collaborate on coverage negotiations and describes insurer-selection analytics and a D&O Risk Analyzer. Those are broker services, not an insurer claim decision or guarantee. 3Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated. | Confirm in your quote. |
Full Comparison
More Aon vs Counterpart Comparisons
Other D&O 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.
- Directors’ and Officers’ (D&O) Liability Insurance. Aon; D&O audience and coverage explanation, lines 123–160; insurer-selection, brokerage and claims collaboration, analytics and industry specialization, lines 171–189; contact link at top. Accessed 2026-09-30.
Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
