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. 1,2
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. 4,5,6
What Is Kidnap and Ransom Insurance?
Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. 9,10,11
Key Differences in Kidnap and Ransom Insurance
What the Published Program Says
Aon’s reviewed professional-services page lists kidnap, ransom and extortion as a placement area for law, accounting and consulting firms, but gives no K&R policy terms. HUB identifies K&R as both a standalone product and a ProEx coverage for organizations with internationally traveling executives, employees abroad or key personnel whose safety matters. If you need to assess a specific employee group, HUB’s published audience is broader; ask either broker to confirm eligibility for your locations and people. 3 8
Placement and Buyer Questions
The service descriptions also differ in detail. Aon says its professional-services advisors use industry knowledge, data and tools for risk-management decisions, without naming a crisis-response benefit. HUB says its ProEx practice offers analytics, litigation support and access to attorneys specializing in executive-liability claims. That gives buyers a documented service team to ask about, though HUB’s page does not promise a K&R response service under every placement. 3 8
What to Confirm in Kidnap and Ransom Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Aon
Review Score
3 rated sources
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.[4][6][7]
Read Aon reviewsHUB International
Review Score
2 rated sources
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-.[7][6]
Read HUB International reviewsOffering Details
Aon vs HUB International: Kidnap and Ransom Insurance: documented features by provider
| Criteria | Aon Kidnap, Ransom and Extortion brokerage and risk-advisory offering | HUB International Kidnap and Ransom Insurance Brokerage |
|---|---|---|
| Role in This Line | Aon presents Kidnap, Ransom and Extortion as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. 3Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | HUB brokers kidnap and ransom (K&R) insurance both as a standalone product page offering and as one of the Executive Liability coverages in its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 7,8Company-reported. K&R product page and ProEx coverage list, read 2026-09-23. Neither page 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. 3Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement. | The K&R product page and the ProEx page do not name an issuing insurer for K&R policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 7,8Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific K&R placement depends on the quote. |
| Who It’s For | Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. 3Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | HUB markets K&R coverage to organizations with executives who travel internationally, employees working abroad or domestically, and other key personnel whose safety is considered critical to the organization, plus their families. 7Company-reported. K&R product page target-audience description; not an underwriting appetite statement. |
| Coverage Features | Aon lists Kidnap, Ransom and Extortion within its professional-services property-and-casualty coverage areas. The page does not describe covered events, response services, limits or policy terms. 3Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage. | HUB cites roughly 15,000 kidnap, extortion or illegal-detention incidents a year generating about half a billion dollars in ransom payments, and says an organization can face significant costs even when no ransom is paid. 7Company-reported. K&R product page risk-framing statistics; company-reported and not independently verified by Spot. HUB's K&R product page cross-references directors and officers liability, business interruption and cyber coverage as related protections, and its ProEx practice groups K&R with other Executive Liability lines such as D&O, employment practices liability and fiduciary liability. 7,8Company-reported. K&R product page related-coverage links and ProEx coverage list; the pages do not describe specific K&R insuring agreements, sublimits or exclusions. |
| 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. 3Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed. | Published K&R policy limits or retentions were not found on the reviewed pages. 7,8Not publicly disclosed. Checked the K&R product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. 3Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated. | HUB says its ProEx practice, which lists K&R among its Executive Liability coverages, provides analytics, litigation support and risk-management services led by a named practice leader, and gives clients access to a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages. 8Company-reported. ProEx page services and claims-support description; not specific to a single K&R engagement. |
| How to Apply | Confirm in your quote. | HUB directs K&R prospects to "Connect With a Broker" rather than an online quote or bind flow. 7Company-reported. K&R product page call to action. |
Full Comparison
More Aon vs HUB International Comparisons
Other Kidnap and Ransom Insurance Comparisons
Sources
Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. 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.
- 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.
- Professional Services Practice. Aon; Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. Accessed 2026-09-30.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Kidnap and Ransom Insurance Brokers. HUB International; Why coverage is needed: kidnap, extortion and illegal detention risk; incident and ransom-payment statistics; target audience of traveling executives, employees abroad and their loved ones; costs beyond ransom payment; Connect With a Broker call to action; cross-references to D&O, business interruption and cyber coverage. Accessed 2026-09-23.
- HUB ProEx. HUB International; ProEx Coverages list including Kidnap, Ransom, and Extortion insurance under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Kidnap and Ransom Insurance Guide
- Kidnap and Ransom Applications and Forms. Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
- The Chubb Primary Kidnap Ransom and Extortion Insurance. Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
- Kidnap and Ransom Coverage. Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.
