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 Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 4,5
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 7,8,9,10
What Are the Key Differences Between Aon and Foxquilt Builders Risk Insurance?
How the Buyer Starts
Foxquilt’s offering record identifies a Builder’s Risk product for businesses undertaking construction projects and a quote path through its product page. Aon describes a global construction brokerage and advisory practice serving owners, contractors, and other project participants. The buyer-facing difference is that Foxquilt documents a product-specific quote route, while Aon describes a broader advisor and market-placement relationship. Neither route guarantees a quote or binding; confirm the responsible producer and insurer before relying on a start date. 6 3
Project Scope and Risk Review
Foxquilt’s overview describes protection for property during construction and gives construction-stage loss examples, but the reviewed record does not detail project classes or specific extensions. Aon describes project risk advisory to identify project exposures and develop risk-transfer or mitigation strategies. For an unusual build, the value of that broader review depends on scope: ask whether it covers materials away from the site, testing, soft costs, and project changes, then compare those answers with the actual Foxquilt proposal. 6 3
What Should You Confirm in Aon and Foxquilt Builders Risk Insurance Quotes?
Aon and Foxquilt Review Scores for 2026
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
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 reviewsFoxquilt Review Score
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsAon vs Foxquilt Builders Risk Insurance Compared
Aon vs Foxquilt: Builders Risk Insurance: documented features by provider
| Criteria | Aon Builders Risk brokerage and risk-advisory offering | Foxquilt Builder’s Risk |
|---|---|---|
| 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 builders risk, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. 3Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | Foxquilt lists a Builder’s Risk product for businesses with construction projects. 6Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. 3Not found in reviewed sources. 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. 3Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | The page frames the product around businesses undertaking construction projects; it does not establish which project types Foxquilt will quote. 6Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | Aon lists Builders Risk under construction property and says its construction property offering can address accidental damage to project property or materials during construction and operations. That is a broker’s description of the line, not a grant of coverage for a buyer. 3Company-reported. 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. | Its public overview describes protection for property during construction and gives examples of construction-stage loss causes. 6Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. 3Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 6Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| 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. 3Company-reported. 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. | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 6Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Related Pages for Aon vs Foxquilt Builders Risk Insurance
Builders Risk Insurance Pages for Aon and Foxquilt
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Other Builders Risk Insurance Provider Comparisons
Sources for Aon vs Foxquilt Builders Risk Insurance
Sources About 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.
- 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 Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
