---
title: "Aon vs Heffernan Insurance Brokers: Surety Bonds"
description: "Compare Aon and Heffernan Insurance Brokers on surety bonds to see how their documented coverage, audience or placement routes affect your quote questions."
canonical: "https://spot.insure/compare/aon-vs-heffernan/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-heffernan"
provider-a: "aon"
provider-b: "heffernan"
coverage-line: "surety-bonds"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-heffernan/surety-bonds)

## Agent Guide

**What this page is:** Focused comparison of Aon and Heffernan Insurance Brokers for Surety Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Surety Bonds 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 Surety Bonds: how do they differ?
- Which is better for Surety Bonds, Aon or Heffernan Insurance Brokers?
- What does Aon or Heffernan Insurance Brokers publish about Surety Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Surety Bonds from Aon or Heffernan Insurance Brokers?

**Key facts:**
- Line: Surety Bonds. 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
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — 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 Builders Risk Insurance](https://spot.insure/compare/aon-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Surety Bonds](https://spot.insure/compare/aon-vs-baldwin/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Surety Bonds](https://spot.insure/compare/aon-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Surety Bonds](https://spot.insure/compare/aon-vs-cna/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Coverdash Surety Bonds](https://spot.insure/compare/aon-vs-coverdash/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Surety Bonds](https://spot.insure/compare/aon-vs-embroker/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Aon vs Heffernan Insurance Brokers: How Do They Compare for Surety Bonds?

Compare Aon and Heffernan Insurance Brokers on surety bonds to see how their documented coverage, audience or placement routes affect your quote questions.

## How to Use the Aon vs Heffernan Insurance Brokers Surety Bonds Comparison

Use this comparison to evaluate Aon and Heffernan Insurance Brokers for Surety Bonds 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 Surety Bonds Summary

Aon: construction surety bonds and describes them as financial security intended to guarantee contractor performance and payment to specified subcontractors, laborers and material suppliers. Actual bond obligations depend on the bond form and its terms. Heffernan Insurance Brokers: heffernan's Quick Insure FAQ says available bond types include performance bonds, payment bonds, and license or permit bonds, describing a bond as a financial guarantee that contractual obligations will be met. [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/surety-bonds/ "Surety Bonds")

## 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 Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [11](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [12](https://www.chubb.com/us-en/surety.html "Surety Bonds") [13](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## What Are the Key Differences Between Aon and Heffernan Insurance Brokers Surety Bonds?

### Bond forms for the stated obligation

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For construction surety, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Heffernan Insurance Brokers describes heffernan's Quick Insure FAQ says available bond types include performance bonds, payment bonds, and license or permit bonds, describing a bond as a financial guarantee that contractual obligations will be met. A bond protects the obligee under the named obligation, so compare the required form and conditions against the contract or license before choosing a route. [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/surety-bonds/ "Surety Bonds")

### Applicant profile and service model

Aon identifies 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. Heffernan Insurance Brokers identifies heffernan says surety bonds are relevant to businesses whose contracts require them, and within its transportation practice markets bonds specifically to freight forwarders, customs brokers, and import/export operators. A contractor or business should ask whether its trade, financial profile and bond amount fit the stated market and what documentation will be needed. [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/surety-bonds/ "Surety Bonds")

### How the application moves

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For construction surety, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Heffernan Insurance Brokers describes for the on-demand product, Heffernan directs buyers to request a quote online or call a listed phone number; for the marine-cargo program, it directs freight forwarders to a named contact and an online client portal for policy management. Confirm the submission deadline, required indemnitors and how the executed bond reaches the obligee. [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/surety-bonds/ "Surety Bonds")

## What Should You Confirm in Aon and Heffernan Insurance Brokers Surety Bonds Quotes?

- Ask Aon to confirm the quoted bond form, obligee and indemnity terms; its offering says construction surety bonds and describes them as financial security intended to guarantee contractor performance and payment to specified subcontractors, laborers and material suppliers. Actual bond obligations depend on the bond form and its terms. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")
- Ask Heffernan Insurance Brokers to confirm the quoted bond form, obligee and indemnity terms; its offering says heffernan's Quick Insure FAQ says available bond types include performance bonds, payment bonds, and license or permit bonds, describing a bond as a financial guarantee that contractual obligations will be met. [7](https://www.heffins.com/surety-bonds/ "Surety Bonds")

## Aon vs Heffernan Insurance Brokers Surety Bonds Compared

| Criteria | Aon Construction Surety brokerage and risk-advisory offering | Heffernan Surety Bonds |
| --- | --- | --- |
| 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 construction surety, 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 offers surety bonds two ways: as an on-demand Quick Insure product for any business needing a bond, and as a coverage option bundled into its Marine Cargo transportation-insurance programs for freight forwarders and logistics companies. [7](https://www.heffins.com/surety-bonds/ "Surety Bonds") [8](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |
| 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..) | Confirm in your quote. |
| 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 surety bonds are relevant to businesses whose contracts require them, and within its transportation practice markets bonds specifically to freight forwarders, customs brokers, and import/export operators. [7](https://www.heffins.com/surety-bonds/ "Surety Bonds") [8](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |
| Coverage Features | Aon lists construction surety bonds and describes them as financial security intended to guarantee contractor performance and payment to specified subcontractors, laborers and material suppliers. Actual bond obligations depend on the bond form and its terms. [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's Quick Insure FAQ says available bond types include performance bonds, payment bonds, and license or permit bonds, describing a bond as a financial guarantee that contractual obligations will be met. [7](https://www.heffins.com/surety-bonds/ "Surety Bonds") (Evidence: Company-reported; scope: Surety Bonds page as read on 2026-09-23; does not describe bond amounts, obligee requirements, or underwriting criteria..) |
| 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..) | Neither reviewed page publishes bond-amount ranges, pricing, or underwriting thresholds. [7](https://www.heffins.com/surety-bonds/ "Surety Bonds") [8](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Not publicly disclosed; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |
| 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..) | For its Marine Cargo program, Heffernan says it has in-house underwriting authority for faster, more flexible quoting and exclusive access to major insurance carriers, plus interactive online tools for declaration issuance and claim reporting. [8](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Marine Cargo page as read on 2026-09-23; described for the marine-cargo program generally, and the reviewed page does not confirm the same underwriting authority applies to the stand-alone Quick Insure bond product..) |
| How to Apply | Confirm in your quote. | For the on-demand product, Heffernan directs buyers to request a quote online or call a listed phone number; for the marine-cargo program, it directs freight forwarders to a named contact and an online client portal for policy management. [7](https://www.heffins.com/surety-bonds/ "Surety Bonds") [8](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |

## Related Pages for Aon vs Heffernan Insurance Brokers Surety Bonds

- [Aon vs Heffernan Insurance Brokers](https://spot.insure/compare/aon-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [Aon vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aon-vs-heffernan/builders-risk)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-heffernan/workers-compensation)
- [Aon vs The Baldwin Group Surety Bonds](https://spot.insure/compare/aon-vs-baldwin/surety-bonds)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs Chubb Surety Bonds](https://spot.insure/compare/aon-vs-chubb/surety-bonds)
- [Aon vs CNA Surety Bonds](https://spot.insure/compare/aon-vs-cna/surety-bonds)
- [Aon vs Coverdash Surety Bonds](https://spot.insure/compare/aon-vs-coverdash/surety-bonds)
- [Aon vs Embroker Surety Bonds](https://spot.insure/compare/aon-vs-embroker/surety-bonds)

## Sources for Aon vs Heffernan Insurance Brokers Surety Bonds

### 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. [Surety Bonds](https://www.heffins.com/surety-bonds/). Heffernan Insurance Brokers; Surety Bonds: Trust in Your Projects; Project Assurance; Customizable Bonds: Tailored options for a variety of industries; FAQ: What types of surety bonds are available? Types include performance bonds, payment bonds, and license/permit bonds; Call (925) 448-2695. Accessed 2026-09-23.
8. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage Options: General Merchandise Logistics, Household Good Logistics, Marine Cargo Legal Liability, Errors & Omissions, Surety Bonds, Special Projects; In-house underwriting authority for faster, more flexible quoting; Exclusive access to major insurance carriers. Accessed 2026-09-23.

### Sources for the Surety Bonds Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
10. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
11. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
12. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
13. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. 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/surety-bonds.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)