Introduction
Aon’s Middle Market practice is aimed at mid-sized organizations; Embroker markets to startups, technology firms, law firms and other professional businesses through an online platform and broker support. Embroker’s account is not itself a broker appointment, so confirm the relationship you are entering before comparing service or compensation. 4 15 16
Coverage Comparison
| Coverage | Aon | Embroker |
|---|---|---|
| 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 |
| Business owner’s policy | Not listed | Listed 22Embroker lists a business owner’s policy with a quote route. |
| 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. | Listed 35Embroker offers help obtaining commercial auto insurance and invites quote requests. |
| 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. | Listed 36Embroker offers help obtaining commercial property insurance and invites property quote requests. |
| 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 22Embroker lists commercial crime and offers a corresponding quote path. |
| 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 22Embroker lists cyber insurance with a quote route. |
| 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 22Embroker lists directors and officers insurance with a quote route. |
| 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 22Embroker offers quotes for employment practices liability as an individual coverage. |
| 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 22Embroker lists fiduciary liability with a quote route. |
| 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. | Listed 22Embroker offers a general liability quote route among its individual business coverages. |
| Key person | Not listed | Listed 34Embroker arranges key person insurance. |
| 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. | Listed 23Embroker markets a management insurance suite for private companies. |
| Product liability | Not listed | Listed 38Embroker lists product liability insurance for companies that produce, distribute or sell products. |
| 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 22,28Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. |
| Surety bonds | Listed 10Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. | Listed 37Embroker arranges construction-contract and license or permit surety bonds. |
| Technology errors and omissions (E&O) | Not listed | Listed 25Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses. |
| 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 |
| Venture capital asset protection | Not listed | Listed 39Embroker markets VCAP insurance for venture capital and private equity firms. |
| Workers’ compensation | Listed 14Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. | Listed 22Embroker arranges workers’ compensation insurance. |
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.
Embroker
BrokerBroker
5.1/ 10Assessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.
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 reviewsEmbroker
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsKey Differences Between Aon and Embroker
Broker Engagement and Buyer Fit
Aon describes a North American Middle Market practice and U.S. broker-of-record work for certain programs. Embroker serves funded startups, technology firms, law firms and other professional businesses through an online platform and broker support. Embroker’s terms distinguish using an account from appointing it as your broker; a broker-of-record appointment may require exclusive work for those brokerage services. Choose based on whether your account needs Aon’s program-level advisory relationship or Embroker’s digital access and specialist service, then confirm the engagement scope.
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.
Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. 15,16,18Company-reported. Current public customer positioning and documented distribution channels; no claim that every applicant is eligible.
An online account alone does not appoint Embroker as your broker; using its brokerage requires a broker-of-record appointment and usually exclusive work with Embroker for those services. 16Company-reported. Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.
Application, Authority and Compensation
Embroker lets a business start a quote online, but an online account alone does not establish that Embroker represents you. Its company-published state license list also is not a product-by-state availability map. Aon’s terms describe consultation, underwriting information and a client bind instruction for certain programs. Neither public process establishes the insurer, eligibility or effective date for your business. Embroker says insurance services may generate commissions, contingent payments or client fees; Aon also describes variable and contingent compensation.
Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. 40Company-reported. Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created.
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.
Confirm product eligibility and producer authority for your state; Embroker publishes licenses in all 50 states and DC, but that is not a product availability map and was not independently verified. 19,16,20Company-reported. Company state list checked; California's public lookup for 0K44291 could not be completed. No producer or insurer license status asserted independently. No state-by-product availability matrix found.
What to Confirm in Quotes
- Ask Embroker whether it will act as broker of record, what exclusivity applies, and which insurer is proposing the coverage. 16
- Ask Aon to identify the producing entity and insurer for the specific program; the group-level terms do not name a policy issuer. 2
- Get itemized compensation from each broker and verify state and product eligibility against the actual quote rather than a general license list. 17 1
Compare Services
What each provider documents about the services you may need
| Criteria | Aon | Embroker |
|---|---|---|
| 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. | A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. 29Company-reported. Producer named in the lawyers’ liability specimen only. This fact does not establish ultimate ownership, the producer for every product or nationwide licensing. Embroker offers its own programs directly and through other brokers; it may do underwriting work under insurer guidelines, but the insurer named in your policy carries the risk. 24,16Company-reported. Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product. The reviewed materials do not establish Embroker, Inc.’s ultimate beneficial ownership. 21Not found in reviewed sources. Ultimate beneficial ownership remains unresolved; the reviewed materials do not establish a current controlling parent. Funding or partnership is not ownership proof. |
| 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. | Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. 15,16,18Company-reported. Current public customer positioning and documented distribution channels; no claim that every applicant is eligible. |
| 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. | Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. 40Company-reported. Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created. An online account alone does not appoint Embroker as your broker; using its brokerage requires a broker-of-record appointment and usually exclusive work with Embroker for those services. 16Company-reported. Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability. An application may need more underwriting details or be declined, and a quote alone does not start coverage. 16Company-reported. Terms §13. No quote or binding transaction performed. |
| Fees and compensation | Aon’s U.S. brokerage terms say compensation may come from insurers or third parties and can vary by contract, insurer and arrangement. Aon and affiliates may also receive contingent and other compensation; contingent goals can create an incentive to place coverage with a particular insurer. Clients may request expected compensation information for their coverage and alternative quotes. The terms do not give a client-specific amount. 1Company-reported. General company-reported U.S. brokerage terms; actual compensation, fees and conflicts for a client or placement are not stated here and may depend on law or contract. | Ask whether your quote includes commissions, contingent or supplemental compensation, or client fees; Embroker says its software is free but insurance services may generate these payments, agreed before binding. 17Company-reported. Compensation disclosure; no policy-specific rate or amount established. Free software does not mean free insurance or zero distribution compensation. Get payment-processing and finance costs separately from broker compensation because processors and premium-finance lenders may charge their own fees. 16Company-reported. Terms §§2A and 22; no specific financing offer reviewed. |
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.
Embroker Official Website
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Compensation Disclosure. Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
- Insurance FAQ. Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
- Published License List. Embroker; AK–WY list, including DC; California 0K44291. Accessed 2026-09-15.
- California License Number Search. California Department of Insurance; License-number search for 0K44291. Accessed 2026-09-15.
- Embroker Insurance Services LLC — Entity Record. Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Accessed 2026-09-15.
- Business Insurance Coverage Options. Embroker; Individual coverages: Business Owners Policy, Commercial Crime, Cyber, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Professional Liability (Errors and Omissions), Workers Compensation; Coverages navigation: Lawyers Professional Liability, Professional Liability, Tech Errors and Omissions; industry packages; invitation to seek other policies through Embroker; Get a Quote links. Accessed 2026-09-16.
- Embroker Launches EMIS. Embroker; 19 August 2026 announcement: introduction; What’s changing; coverage options (four coverages); legacy renewals versus new business; Availability; About Embroker issuer disclosure naming Everspan Indemnity Insurance Company. Accessed 2026-09-16.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Tech E&O / Cyber — Broker Program. Embroker; Tech E&O / Cyber hero; Appetite: private for-profit technology companies, revenue below $300M, MFA above $5M, excluded crypto, blockchain and cannabis industries; Coverage Highlights, including software code infringement; Get Appointed. Accessed 2026-09-16.
- Technology Errors And Omissions / Cyber. Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
- Excess Tech E&O / Cyber. Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote; Excess Tech E&O / Cyber. Accessed 2026-09-16.
- Lawyers Professional Liability — Broker Program. Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; standalone lawyers professional liability program; Everest National; coverage highlights and defense cost features. Accessed 2026-09-16.
- Everest Elevation Lawyers Professional Liability — Specimen. Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
- Law Firm Insurance Package. Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
- Insurance For Technology Companies. Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
- Embroker’s AI Coverage. Embroker; Article (published 26 May 2026; endorsement effective 5 August 2025): What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Accessed 2026-09-15.
- Claims. Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
- Key Person Insurance. Embroker; Key Person Insurance product introduction: life insurance for an executive, founder or other critical employee; concierge service; inquiry form and quote route. Accessed 2026-09-16.
- Commercial Auto Insurance. Embroker; Opening Embroker service offer; Who Is It For? commercial auto quote invitation. Accessed 2026-09-16.
- Commercial Property Insurance. Embroker; Opening Embroker service offer; Who Is It For? property quote invitation. Accessed 2026-09-16.
- Surety Bonds. Embroker; Surety Bonds: opening statement that Embroker helps obtain surety bonds; What are they? (obligee, principal and surety; government agency; license or permit); What Is a Construction Bond?; Get a Quote. Accessed 2026-09-16.
- Product Liability Insurance. Embroker; Product Liability Insurance introduction (injury or property damage from products produced, distributed or sold); Why Get It With Embroker?; Get a Quote. Accessed 2026-09-16.
- Insurance For Venture Capital And Private Equity Firms. Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service; comprehensive VCAP insurance for finance/VC/PE firms. Accessed 2026-09-16.
- Start An Embroker Quote. Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue. Accessed 2026-09-15.
