---
title: "Aon vs HUB International: Builders Risk Insurance"
description: "HUB International pairs builders risk with site-security, leak-detection, and fire-coating vendors plus an underwriting-requirements app; Aon describes project risk advisory."
canonical: "https://spot.insure/compare/aon-vs-hub-international/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-hub-international"
provider-a: "aon"
provider-b: "hub-international"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-hub-international/builders-risk)

## Agent Guide

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

**Key facts:**
- Line: Builders Risk Insurance. Providers: Aon and HUB International.
- 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 HUB International](https://spot.insure/compare/aon-vs-hub-international) — 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)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Aon vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Commercial Property Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Crime Insurance](https://spot.insure/compare/aon-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Cyber Insurance](https://spot.insure/compare/aon-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International D&O Insurance](https://spot.insure/compare/aon-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International General Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-hub-international/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Management Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Surety Bonds](https://spot.insure/compare/aon-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-hub-international/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 HUB International Builders Risk Insurance](https://spot.insure/compare/aig-vs-hub-international/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 HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/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 HUB International: How Do They Compare for Builders Risk Insurance?

HUB International pairs builders risk with site-security, leak-detection, and fire-coating vendors plus an underwriting-requirements app; Aon describes project risk advisory.

## How to Use the Aon vs HUB International Builders Risk Insurance Comparison

Use this comparison to evaluate Aon and HUB International 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 HUB International Builders Risk Insurance Summary

HUB International describes a builders-risk mitigation program with security, leak detection, fire-resistant coatings, and an app for carrier requirements. Aon describes project-specific risk advisory. [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.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [8](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions")

## 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 HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/contact-us/ "Contact Us") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](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 HUB International Builders Risk Insurance?

### Mitigation Services Alongside Coverage

HUB International says its builders-risk solution pairs insurance with third-party site security, automated leak detection, and fire-resistant coatings, plus a mobile app showing carrier underwriting requirements. Aon describes project risk advisory and market access, without naming those specific vendor services in its builders-risk record. For a project exposed to theft, water, or fire, compare the actual vendors, installation obligations, and who pays for each measure; risk-control services do not themselves expand policy coverage. [7](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")

### Project Review and Terms

HUB International markets to project owners, general contractors, and developers working on frame and non-frame construction, and sends prospects to its construction specialists for project assessment. Aon names a wider construction audience including engineers, designers, financiers, and investors, across varied organization sizes and complexity. Those audience descriptions help identify the right contact, not guaranteed eligibility. Provide each with the construction type, location, value, and schedule, then obtain written underwriting criteria. [8](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [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 HUB International Builders Risk Insurance Quotes?

- Are HUB International’s security, leak-detection, and coating vendors required, included in price, or optional? [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.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")
- What insurer requirements apply to this construction type, and which project roles qualify for the program? [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.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")

## Aon vs HUB International Builders Risk Insurance Compared

| Criteria | Aon Builders Risk brokerage and risk-advisory offering | HUB Builder's Risk Insurance Solutions |
| --- | --- | --- |
| 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..) | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. [7](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [8](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer..) |
| 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..) | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. [7](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [8](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners..) |
| 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..) | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. [8](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Launch press release target-market description..) |
| 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..) | HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. [7](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) |
| 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..) | Confirm in your 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..) | HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. [7](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [8](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Product-page and press-release service description; a company-reported program, not an independently assessed outcome..) |
| How to Apply | Confirm in your quote. | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. [7](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Related Pages for Aon vs HUB International Builders Risk Insurance

- [Aon vs HUB International](https://spot.insure/compare/aon-vs-hub-international): 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 HUB International Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-hub-international/cargo-transit)
- [Aon vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-auto)
- [Aon vs HUB International Commercial Property Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-property)
- [Aon vs HUB International Crime Insurance](https://spot.insure/compare/aon-vs-hub-international/crime)
- [Aon vs HUB International Cyber Insurance](https://spot.insure/compare/aon-vs-hub-international/cyber)
- [Aon vs HUB International D&O Insurance](https://spot.insure/compare/aon-vs-hub-international/directors-officers)
- [Aon vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/employment-practices)
- [Aon vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/fiduciary)
- [Aon vs HUB International General Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/general-liability)
- [Aon vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-hub-international/kidnap-ransom)
- [Aon vs HUB International Management Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/management-liability)
- [Aon vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hub-international/professional-errors-omissions)
- [Aon vs HUB International Surety Bonds](https://spot.insure/compare/aon-vs-hub-international/surety-bonds)
- [Aon vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/umbrella-excess)
- [Aon vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-hub-international/workers-compensation)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk)
- [AIG vs HUB International Builders Risk Insurance](https://spot.insure/compare/aig-vs-hub-international/builders-risk)
- [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk)
- [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/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 HUB International 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 HUB International

4. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
5. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
6. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
7. [Builder's Risk Insurance Broker & Coverage Policy](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/). HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
8. [HUB International Launches Builder's Risk Insurance Solutions](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/). HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.

### Sources for the Builders Risk Insurance Guide

9. [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.
10. [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.
11. [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.
12. [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).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

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