---
title: "Aon vs Gallagher: Crime Insurance"
description: "Aon frames crime around professional-service firms, while Gallagher describes theft and fraud protections and separate small-business and large-account service paths."
canonical: "https://spot.insure/compare/aon-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-gallagher"
provider-a: "aon"
provider-b: "gallagher"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/aon-vs-gallagher/crime)

## Agent Guide

**What this page is:** Focused comparison of Aon and Gallagher for Crime 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 Crime Insurance questions about Aon versus Gallagher. 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 Gallagher for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Aon or Gallagher?
- What does Aon or Gallagher publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Aon or Gallagher?

**Key facts:**
- Line: Crime Insurance. Providers: Aon and Gallagher.
- 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 Gallagher](https://spot.insure/compare/aon-vs-gallagher) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Aon vs Gallagher Commercial Property Insurance](https://spot.insure/compare/aon-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Cyber Insurance](https://spot.insure/compare/aon-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher D&O Insurance](https://spot.insure/compare/aon-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher General Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Crime Insurance](https://spot.insure/compare/aig-vs-aon/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley Crime Insurance](https://spot.insure/compare/aon-vs-beazley/crime) — sibling comparison (other line, or other pair for this line)

# Aon vs Gallagher: How Do They Compare for Crime Insurance?

Aon frames crime around professional-service firms, while Gallagher describes theft and fraud protections and separate small-business and large-account service paths.

## Research Scope and Use

Use this comparison to evaluate Aon and Gallagher for Crime 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

Aon names law, accounting and consulting firms as its professional-services audience. Gallagher describes crime coverage for dishonest acts, computer and funds-transfer fraud, employee fraud and property destruction, with a small-business advisor route and a separate large-account limit methodology. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## 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 Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [5](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [8](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [12](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [13](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [14](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## Key Differences in Crime Insurance

### Crime scenarios and account segment

Aon lists Crime within its professional-services practice but does not enumerate covered acts on the reviewed page. Gallagher describes dishonest acts including credit-card forgery, computer and funds-transfer fraud, employee fraud, theft and property destruction. Gallagher serves smaller buyers through Small Business and larger accounts through its Executive and Financial Risk practice, so ask which practice will handle your account and what wording it proposes. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### Risk advice and limit-setting

Aon describes industry knowledge, data and tools for professional-services risk decisions. For larger accounts, Gallagher says its crime-limit methodology uses peer analysis and an exposure index developed with the Surety Association of America and the American Institute of Accountants. That is a specific limit-setting approach to discuss, but it does not provide a limit recommendation for an individual buyer without an exposure review. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Gallagher whether your account follows the Small Business or larger-account placement route and how the recommended limit reflects your fraud exposures. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Ask Aon for its proposed crime limit and ask either broker to identify the carrier, retention and covered computer or funds-transfer fraud terms. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Offering Details

| Criteria | Aon Crime brokerage and risk-advisory offering | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| Role in This Line | Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Not found in reviewed sources; scope: 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..) | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Who It’s For | Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting..) |
| Coverage Features | Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: 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..) | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | Neither page publishes specific crime coverage limits or premium ranges. [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Risk Services | Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) |
| How to Apply | Confirm in your quote. | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. [9](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |

## Full Comparison

- [Aon vs Gallagher](https://spot.insure/compare/aon-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Aon vs Gallagher Commercial Property Insurance](https://spot.insure/compare/aon-vs-gallagher/commercial-property)
- [Aon vs Gallagher Cyber Insurance](https://spot.insure/compare/aon-vs-gallagher/cyber)
- [Aon vs Gallagher D&O Insurance](https://spot.insure/compare/aon-vs-gallagher/directors-officers)
- [Aon vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/employment-practices)
- [Aon vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/fiduciary)
- [Aon vs Gallagher General Liability Insurance](https://spot.insure/compare/aon-vs-gallagher/general-liability)
- [Aon vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-gallagher/kidnap-ransom)
- [Aon vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/professional-errors-omissions)
- [Aon vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-gallagher/workers-compensation)
- [AIG vs Aon Crime Insurance](https://spot.insure/compare/aig-vs-aon/crime)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime)
- [Alliance Risk vs Aon Crime Insurance](https://spot.insure/compare/alliance-risk-vs-aon/crime)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Aon vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aon-vs-baldwin/crime)
- [Aon vs Beazley Crime Insurance](https://spot.insure/compare/aon-vs-beazley/crime)

## 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. [Professional Services Practice](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice). Aon; Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30.

### Gallagher

4. [Technology Insurance](https://www.ajg.com/industries/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.
5. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
6. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
7. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
8. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
9. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
11. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
12. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
13. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
14. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. 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).

## Gallagher Reviews

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-gallagher/crime.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)