---
title: "Aon vs Heffernan Insurance Brokers: Builders Risk Insurance"
description: "Heffernan Insurance Brokers describes construction-specialist submissions using project budget, timeline, and type to gather carrier quotes; Aon describes project-specific risk advice through a global construction practice."
canonical: "https://spot.insure/compare/aon-vs-heffernan/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-heffernan"
provider-a: "aon"
provider-b: "heffernan"
coverage-line: "builders-risk"
---

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-heffernan/builders-risk)

## Agent Guide

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

**Key facts:**
- Line: Builders Risk Insurance. Providers: Aon and Heffernan Insurance Brokers.
- 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 Heffernan Insurance Brokers](https://spot.insure/compare/aon-vs-heffernan) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Aon vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aon-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/aon-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/aon-vs-heffernan/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aon-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)

# Aon vs Heffernan Insurance Brokers: How Do They Compare for Builders Risk Insurance?

Heffernan Insurance Brokers describes construction-specialist submissions using project budget, timeline, and type to gather carrier quotes; Aon describes project-specific risk advice through a global construction practice.

## How to Use the Aon vs Heffernan Insurance Brokers Builders Risk Insurance Comparison

Use this comparison to evaluate Aon and Heffernan Insurance Brokers for Builders Risk 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.

## Aon vs Heffernan Insurance Brokers Builders Risk Insurance Summary

Heffernan Insurance Brokers asks builders-risk buyers for project budget, timeline, and construction type so its specialists can gather quotes from multiple carriers. Aon describes project risk advisory and construction-market placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability 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 Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [4](https://www.heffins.com/about-us/our-story/ "Our Story") [5](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## What Are the Key Differences Between Aon and Heffernan Insurance Brokers Builders Risk Insurance?

### What the Submission Starts With

Heffernan Insurance Brokers’ construction FAQ asks buyers to provide project budget, timeline, and construction type so its specialists can gather quotes from multiple carriers. Aon describes project-specific risk advice and a global construction broking network, but its builders-risk record does not detail an equivalent intake checklist. A buyer can prepare those three Heffernan Insurance Brokers inputs early, then ask Aon which additional project information it needs before approaching markets. In either case, the eventual insurer and terms depend on the placement. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")

### Construction Team and Program Contacts

Heffernan Insurance Brokers names a construction practice leader and dedicated Wrap Up Solutions team as contacts for builders risk and related project-specific programs. Aon describes project risk advisory to understand project exposures and develop transfer, management, or mitigation strategies. That gives a project owner distinct service questions: who will coordinate a wrap-up program, and who will deliver the broader risk review? Ask for named contacts, responsibilities, and deliverables rather than assuming the practice descriptions are included services. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")

## What Should You Confirm in Aon and Heffernan Insurance Brokers Builders Risk Insurance Quotes?

- Which project documents will Heffernan Insurance Brokers use to request carrier quotes, and which markets will Aon approach for this construction type? [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")
- If the project needs a wrap-up, who will administer enrollment and coordinate certificates, risk review, and claims? [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")

## Aon vs Heffernan Insurance Brokers Builders Risk Insurance Compared

| Criteria | Aon Builders Risk brokerage and risk-advisory offering | Heffernan Builders Risk Insurance |
| --- | --- | --- |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | Heffernan's construction insurance brokers arrange builders risk insurance for contractors, developers and other construction-industry clients. As a broker, Heffernan places the coverage with insurance carriers rather than underwriting it itself. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page description of the builders risk offering. Does not establish a specific carrier relationship..) |
| 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/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (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..) | The construction page does not name the insurer that would issue a builders risk policy arranged through Heffernan; the FAQ refers only to gathering quotes from 'various carriers.' [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | Heffernan says its construction insurance brokers serve general contractors, subcontractors, specialty and trade contractors, developers and design/build firms across sectors including alternative energy, concrete construction management and engineering, and lists a network of more than 1,000 contractor and developer clients nationwide. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page sector list and client-count claim; client count is company-reported and not independently verified..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (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..) | Heffernan describes builders risk insurance as coverage that protects a construction project against physical damage during the build, such as fire, theft and weather-related events, and says it customizes the coverage to the specific project. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page..) |
| 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/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | The construction page's builders risk FAQ gives only a generic industry cost range, roughly 1% to 4% of the construction budget, as educational content. It does not publish a Heffernan-specific limit, retention or premium for a builders risk policy. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page practice-leader contact block..) |
| How to Apply | Confirm in your quote. | Heffernan's construction page directs buyers to contact its construction insurance specialists directly, and its builders risk FAQ describes providing project details such as budget, timeline and construction type so Heffernan can gather quotes from multiple carriers. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page contact route and FAQ process description..) |

## Related Pages for Aon vs Heffernan Insurance Brokers Builders Risk

- [Aon vs Heffernan Insurance Brokers](https://spot.insure/compare/aon-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Aon vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-heffernan/cargo-transit)
- [Aon vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-auto)
- [Aon vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-property)
- [Aon vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aon-vs-heffernan/crime)
- [Aon vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/aon-vs-heffernan/cyber)
- [Aon vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/employment-practices)
- [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary)
- [Aon vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/general-liability)
- [Aon vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-heffernan/professional-errors-omissions)
- [Aon vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/aon-vs-heffernan/surety-bonds)
- [Aon vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-heffernan/workers-compensation)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk)
- [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk)
- [Aon vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aon-vs-baldwin/builders-risk)
- [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk)

## Sources for Aon vs Heffernan Insurance Brokers Builders Risk Insurance

### Sources About 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. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/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 Heffernan Insurance Brokers

4. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
5. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
7. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; Protect Your Construction Projects with Builders Risk Insurance; contractor sectors served; Builders Risk FAQ; network of over 1,000 contractor and developer clients nationwide; Construction Practice Leader and Wrap Up Solutions contacts. Accessed 2026-09-23.

### Sources for the Builders Risk Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
10. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). 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.
11. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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 Review Scores for 2026

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).

## Heffernan Insurance Brokers Review Scores for 2026

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-heffernan/builders-risk.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)