Introduction
Both Aon and Gallagher arrange commercial insurance through broker relationships. Gallagher publishes separate routes for technology startups, middle-market companies and global enterprises; Aon describes its Middle Market practice for mid-sized organizations across North America. A technology buyer should ask each firm which team and compensation model would serve its actual account, since public descriptions do not promise a minimum premium, acceptance or a claims outcome. 4 16 21
Coverage Comparison
| Coverage | Aon | Gallagher |
|---|---|---|
| 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. | Listed 25Gallagher arranges builders risk. |
| Business owner’s policy | Not listed | Listed 20Gallagher arranges business owner’s policies for small businesses. |
| 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 20Gallagher arranges commercial auto insurance for small businesses. |
| 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 20Gallagher arranges commercial property insurance for small businesses. |
| 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 17Gallagher arranges crime insurance. |
| 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 16Gallagher arranges 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 17Gallagher arranges directors and officers liability. |
| Employee health and benefits | Not listed | Listed Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA). |
| 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 17Gallagher arranges employment practices liability. |
| Equipment breakdown | Not listed | Listed 25Gallagher arranges boiler and machinery coverage through its property practice. |
| Fidelity bonds | Not listed | Listed 17Gallagher arranges fidelity bonds. |
| 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 17Gallagher arranges fiduciary liability. |
| 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 20Gallagher arranges general liability insurance for small businesses. |
| Intellectual property | Not listed | Listed 16Gallagher arranges intellectual-property 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. | Listed 17Gallagher arranges kidnap and ransom insurance. |
| 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 |
| Product liability | Not listed | Listed 16Gallagher arranges product liability insurance. |
| Product recall | Not listed | Listed 26Gallagher arranges product-recall insurance. |
| 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 20Gallagher arranges professional errors and omissions insurance for small businesses. |
| Representations and warranties | Not listed | Listed 17Gallagher arranges representations and warranties insurance. |
| Surety bonds | Listed 10Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. | Listed 21Gallagher arranges surety bonds. |
| Technology errors and omissions (E&O) | Not listed | Listed 16Gallagher arranges technology errors and omissions insurance for technology 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. | Listed 24Gallagher arranges umbrella and excess liability. |
| Workers’ compensation | Listed 14Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. | Listed 20Gallagher arranges workers’ compensation insurance for small businesses. |
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.
Gallagher
BrokerBroker
5.5/ 10Assessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.
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 reviewsGallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsKey Differences Between Aon and Gallagher
Choosing a Broker Team
Both companies arrange commercial insurance through broker relationships. Aon markets its Middle Market practice to mid-sized organizations across North America, without a numerical cutoff. Gallagher describes technology specialists for startups, middle-market companies and global enterprises, plus a separate small-business technology option. If your company is early-stage or wants a dedicated technology team, ask Gallagher which route handles your account; if you need middle-market program advice, ask Aon how its practice would staff the placement. The public descriptions do not set minimum premiums or guarantee acceptance.
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.
Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. 16,21Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.
Placement, Fees and Claims Support
Both firms invite prospective clients to contact an advisor rather than promising instant binding. Gallagher asks for business and revenue details on its inquiry route; Aon describes applications and client instructions for certain U.S. programs. Gallagher says it may earn commissions, fees and contingent compensation, while Aon’s terms describe variable and contingent pay that can create placement incentives. Gallagher’s executive-risk claims advocacy is a scoped service, not a claims-payment promise; Aon’s terms leave insurer notice with the client unless a separate agreement says otherwise.
You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. 22,23Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested.
Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. 18Company-reported. US compensation disclosure; no fee-free or uniform commission assumption.
Gallagher describes specialized claims advocacy, including attorneys, for executive-risk customers working with insurers; this is support, not a guarantee of payment or claims quality. 17Company-reported. Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation.
Under Aon’s U.S. brokerage terms, the client is responsible for directly notifying insurers as its policies require unless a separate signed agreement says otherwise; Aon says it does not assume that notice or monitoring duty without a separate written agreement. This allocation does not determine whether Aon separately offers or agrees to claims advocacy or other claims-related services. 1,5,7Company-reported. Company-reported contractual allocation for covered U.S. Commercial Risk services; policy terms and any separate written agreement control. Aon separately describes claims advocacy on its D&O and cyber pages.
What to Confirm in Quotes
- Ask which Gallagher service route and contracting producer apply, and whether your technology account is assigned to a specialist team. 19 16
- Request account-specific compensation and any client fee from both brokers; neither publishes a universal startup fee schedule. 18 1
- Confirm who reports claims to each insurer and whether Gallagher’s executive-risk advocacy or any separate Aon claims agreement applies to your policy. 17 1
Compare Services
What each provider documents about the services you may need
| Criteria | Aon | Gallagher |
|---|---|---|
| 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. | Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. 16,17Company-reported. US commercial brokerage and technology practice; company descriptions, not an underwriting designation. Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. 15Company-reported. Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name. Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. 19,15Company-reported. Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion. |
| 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. | Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. 16,21Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant. Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. 16,21,22Not publicly disclosed. Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum. |
| 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 can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. 22,23Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested. |
| 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. | Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. 18Company-reported. US compensation disclosure; no fee-free or uniform commission assumption. |
| Claims assistance | Under Aon’s U.S. brokerage terms, the client is responsible for directly notifying insurers as its policies require unless a separate signed agreement says otherwise; Aon says it does not assume that notice or monitoring duty without a separate written agreement. This allocation does not determine whether Aon separately offers or agrees to claims advocacy or other claims-related services. 1,5,7Company-reported. Company-reported contractual allocation for covered U.S. Commercial Risk services; policy terms and any separate written agreement control. Aon separately describes claims advocacy on its D&O and cyber pages. | Gallagher describes specialized claims advocacy, including attorneys, for executive-risk customers working with insurers; this is support, not a guarantee of payment or claims quality. 17Company-reported. Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation. |
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.
Gallagher Official Website
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- The Right Insurance for Your Small Business. Gallagher Small Business; Choose Your Coverage: Business Owner’s Policy, General Liability, Professional Liability/Errors and Omissions, Buildings and Property, Auto, Workers’ Comp; carrier network placement; contact route. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
- Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
- Casualty Insurance. Gallagher; Holistic approach: Automobile, Workers Compensation, General and Product, Umbrella and Excess; customized excess casualty program design and placement; Robust casualty risk analysis. Accessed 2026-09-16.
- Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder’s risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
- Product Recall Insurance. Gallagher; Product Recall team paragraph: custom Product Recall, Product Contamination and Restaurant Contamination insurance, working directly with carriers; Product recall insurance coverage. Accessed 2026-09-16.
- AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.
