Aon vs Harper: How Do They Compare for Workers’ Compensation Insurance?

Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For workers’ compensation, 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.

Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. ⁶Company-reported. Workers compensation page introduction and 'Why Harper' section.

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.

The reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. ⁶Not publicly disclosed. Checked the workers compensation page on 2026-09-23; no carrier is named for this line.

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.

Harper says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. ⁶Company-reported. Workers compensation page introduction and FAQ 'When am I required to carry it?'.

Aon lists Workers’ Compensation Insurance among the construction coverage areas it brokers. The page does not describe state-specific statutory benefits, employer-liability terms or how a buyer’s policy responds. 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.

Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. ⁶Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope.

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.

Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. ⁶Not publicly disclosed. Workers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote.

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.

Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. ⁶Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome.

Confirm in your quote.

You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. ⁶Company-reported. Workers compensation page quote form and 'Why Harper' process steps.