Aon vs Heffernan Insurance Brokers: How Do They Compare for Cargo and Transit Insurance?

Aon states it offers cargo insurance solutions and describes its role as cargo broker. The page does not name the carrier that would insure a particular shipment or account. ³Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments directly. That is a broader, program-administrator-style role than ordinary brokerage, and is specific to this cargo program rather than Heffernan's general business insurance brokerage. ⁷Company-reported. Marine Cargo page's 'What Sets Our Programs Apart' section. Does not establish that Heffernan is a licensed carrier or MGA for this program; the exact legal arrangement with its carrier partners was not disclosed.

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. ³Not found in reviewed sources. 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.

Heffernan says its cargo program has 'exclusive access to major insurance carriers' and that its transportation practice is 'appointed with top transportation carriers,' but neither page names a specific issuing insurer. ^7,8Not publicly disclosed. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Aon addresses businesses across industries that move raw materials, components, finished goods and appliances by road, rail, sea or air, domestically and internationally. ³Company-reported. 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.

Heffernan markets its cargo program to freight forwarders, customs brokers, import/export operators and household-goods movers, and describes a global client base of logistics companies, forwarders and brokers. Its separate transportation practice serves trucking and logistics, final-mile delivery, couriers, fuel haulers, towing and moving and storage businesses. ^7,8Company-reported. Marine Cargo and Transportation page descriptions of target clients and subsectors.

Aon describes cargo insurance for physical loss or damage to goods during transportation and describes goods as protected during loading, unloading, storage and transit. Its listed options include General Cargo, Excess Storage, Stock Throughput and Project Cargo/Marine Delay in Start-Up. These are Aon’s product descriptions, not a guarantee that a buyer’s policy includes every category or peril. ³Company-reported. 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.

Heffernan's cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage. Its transportation practice separately lists motor truck cargo and brokerage liability and contingent cargo among its exclusive and sponsored products for trucking and logistics clients. ^7,8Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.

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. ³Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

Confirm in your quote.

Aon describes cargo broking, risk consulting, claims management and a global network coordinating local expertise. These are brokerage and advisory services, not the insurer’s claim decision or a guarantee of recovery. ³Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

Heffernan describes interactive online tools for remote declaration issuance and claim reporting, plus sales-tracking tools, for its cargo program. Its transportation practice separately lists fleet safety and training, a benchmarking system, medical triage and first aid, and a workers' compensation mod-reduction plan, along with a DOT compliance platform. ^7,8Company-reported. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.

Confirm in your quote.

Existing cargo policyholders manage shipments and claims through an online portal login; new buyers reach the program through a Request a Quote or Request a Consultation contact route, or by calling the number listed for the cargo claims team. ⁷Company-reported. Marine Cargo page's portal sign-in and consultation-request sections.