---
title: "Aon vs Foxquilt: Commercial Property Insurance"
description: "Aon brokers property programs with carriers and offers risk analysis; Foxquilt describes building, equipment, and inventory protection for business property."
canonical: "https://spot.insure/compare/aon-vs-foxquilt/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-foxquilt"
provider-a: "aon"
provider-b: "foxquilt"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-foxquilt/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Aon and Foxquilt for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Property Insurance questions about Aon versus Foxquilt. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Aon vs Foxquilt for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Aon or Foxquilt?
- What does Aon or Foxquilt publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from Aon or Foxquilt?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Aon and Foxquilt.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Aon vs Foxquilt](https://spot.insure/compare/aon-vs-foxquilt) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Aon vs Foxquilt Crime Insurance](https://spot.insure/compare/aon-vs-foxquilt/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Cyber Insurance](https://spot.insure/compare/aon-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt General Liability Insurance](https://spot.insure/compare/aon-vs-foxquilt/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-foxquilt/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Commercial Property Insurance](https://spot.insure/compare/aig-vs-aon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Commercial Property Insurance](https://spot.insure/compare/aig-vs-foxquilt/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley Commercial Property Insurance](https://spot.insure/compare/aon-vs-beazley/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)

# Aon vs Foxquilt: How Do They Compare for Commercial Property Insurance?

Aon brokers property programs with carriers and offers risk analysis; Foxquilt describes building, equipment, and inventory protection for business property.

## Research Scope and Use

Use this comparison to evaluate Aon and Foxquilt for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Foxquilt names common property and damage examples and provides a quote path; Aon describes broker-built programs and catastrophe modeling. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance")

## 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](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## 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](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [5](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## 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. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [9](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### What the Coverage Descriptions Name

Foxquilt describes property such as real estate, equipment, and inventory damaged by fire, water, theft, or wind. Aon describes buildings, contents, and inventory and notes that property insurance can include business interruption after property damage. Ask Foxquilt whether interruption is included and ask Aon for the specific form and peril schedule. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management")

### Property Risk Services

Aon describes catastrophe modeling, risk control, claims advocacy, and a U.S.-available Property Risk Analyzer. Foxquilt’s reviewed record focuses on property examples and a quote path, without describing comparable modeling or claim services. If location-level risk analysis matters, ask Foxquilt whether it is available and Aon what deliverable its service includes. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance")

### Getting a Quote

Foxquilt’s product page provides a quote path; Aon describes a broker working with carriers to build the property program. A digital request path does not establish a bound quote, while Aon’s broker process does not name the insurer in advance. Compare the returned terms, carrier, and timing. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management")

## What to Confirm in Commercial Property Insurance Quotes

- Does Foxquilt’s quote include business interruption and which causes of loss apply to each asset?
- Which carriers, limits, catastrophe terms, and modeling outputs will Aon put in its proposal?

## Offering Details

| Criteria | Aon Commercial Property brokerage and risk-advisory offering | Foxquilt 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. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance..) | Foxquilt markets Commercial Property for business-owned assets. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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 page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Not found in reviewed sources; scope: 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. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: 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..) | The page is aimed at businesses with physical property or leased premises; it does not identify every eligible occupancy or property class. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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 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. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: 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 page discusses business property such as real estate, equipment and inventory, including damage from events such as fire, water, theft or wind. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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 standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") (Evidence: Company-reported; scope: Company-reported brokerage and advisory services. Account-specific service terms are 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. [6](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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..) |

## Full Comparison

- [Aon vs Foxquilt](https://spot.insure/compare/aon-vs-foxquilt): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Aon vs Foxquilt Crime Insurance](https://spot.insure/compare/aon-vs-foxquilt/crime)
- [Aon vs Foxquilt Cyber Insurance](https://spot.insure/compare/aon-vs-foxquilt/cyber)
- [Aon vs Foxquilt General Liability Insurance](https://spot.insure/compare/aon-vs-foxquilt/general-liability)
- [Aon vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foxquilt/professional-errors-omissions)
- [Aon vs Foxquilt Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-foxquilt/workers-compensation)
- [AIG vs Aon Commercial Property Insurance](https://spot.insure/compare/aig-vs-aon/commercial-property)
- [AIG vs Foxquilt Commercial Property Insurance](https://spot.insure/compare/aig-vs-foxquilt/commercial-property)
- [Alliance Risk vs Aon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-aon/commercial-property)
- [Aon vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aon-vs-baldwin/commercial-property)
- [Aon vs Beazley Commercial Property Insurance](https://spot.insure/compare/aon-vs-beazley/commercial-property)
- [Aon vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property)

## Sources

### Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). 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.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/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.
3. [Property Risk Management](https://www.aon.com/en/capabilities/risk-management/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.

### Foxquilt

4. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). 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.
5. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
6. [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html). Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128.. Accessed 2026-09-29.

### Commercial Property Insurance Guide

7. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
8. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
9. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

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.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews).

## Foxquilt Reviews

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/foxquilt/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-foxquilt/commercial-property.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)