---
title: "Aon vs Insureon: Umbrella and Excess Liability Insurance"
description: "Compare Aon and Insureon on umbrella and excess liability insurance to see how their documented coverage, audience or placement routes affect your quote questions."
canonical: "https://spot.insure/compare/aon-vs-insureon/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-insureon"
provider-a: "aon"
provider-b: "insureon"
coverage-line: "umbrella-excess"
---

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-insureon/umbrella-excess)

## Agent Guide

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

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Aon and Insureon.
- 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 Insureon](https://spot.insure/compare/aon-vs-insureon) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [Aon vs Insureon Commercial Auto Insurance](https://spot.insure/compare/aon-vs-insureon/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Commercial Property Insurance](https://spot.insure/compare/aon-vs-insureon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Cyber Insurance](https://spot.insure/compare/aon-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon General Liability Insurance](https://spot.insure/compare/aon-vs-insureon/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Surety Bonds](https://spot.insure/compare/aon-vs-insureon/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Aon vs Insureon: How Do They Compare for Umbrella and Excess Liability Insurance?

Compare Aon and Insureon on umbrella and excess liability insurance to see how their documented coverage, audience or placement routes affect your quote questions.

## How to Use the Aon vs Insureon Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Aon and Insureon for Umbrella and Excess Liability 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 Insureon Umbrella and Excess Liability Insurance Summary

Aon: umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. Insureon: umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

## 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 Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [4](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [5](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") [11](https://kinro.com/products "Products")

## What Are the Key Differences Between Aon and Insureon Umbrella and Excess Liability Insurance?

### How the excess layer follows underlying coverage

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Insureon describes umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. Ask whether the proposed form follows the underlying wording or adds a stated feature, and identify the policies and exhaustion points it requires. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

### Capacity and buyer segment

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Insureon describes commercial Umbrella insurance through its small-business quote channel. Compare the stated industry appetite and available capacity with your operations, then request the actual limit and attachment point for your account. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

### Broker or insurer service route

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Insureon describes commercial Umbrella insurance through its small-business quote channel. Ask who handles underwriting questions, renewal changes and claims advocacy for the layer. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

## What Should You Confirm in Aon and Insureon Umbrella and Excess Liability Insurance Quotes?

- Ask Aon to confirm the quoted coverage trigger, underlying policies and exclusions; its offering says umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")
- Ask Insureon to confirm the quoted coverage trigger, underlying policies and exclusions; its offering says umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

## Aon vs Insureon Umbrella and Excess Liability Insurance Compared

| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | Insureon Commercial Umbrella 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 umbrella and excess liability, 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..) | Insureon markets Commercial Umbrella insurance through its small-business quote channel. [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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..) | The page addresses businesses seeking additional liability protection; it does not state an applicant’s limits, underlying-policy requirements or eligibility. [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | Aon lists Umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular 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 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..) | The page describes umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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 cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| 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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [6](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Related Pages for Aon vs Insureon Umbrella and Excess Liability

- [Aon vs Insureon](https://spot.insure/compare/aon-vs-insureon): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Aon vs Insureon Commercial Auto Insurance](https://spot.insure/compare/aon-vs-insureon/commercial-auto)
- [Aon vs Insureon Commercial Property Insurance](https://spot.insure/compare/aon-vs-insureon/commercial-property)
- [Aon vs Insureon Cyber Insurance](https://spot.insure/compare/aon-vs-insureon/cyber)
- [Aon vs Insureon General Liability Insurance](https://spot.insure/compare/aon-vs-insureon/general-liability)
- [Aon vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-insureon/professional-errors-omissions)
- [Aon vs Insureon Surety Bonds](https://spot.insure/compare/aon-vs-insureon/surety-bonds)
- [Aon vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-insureon/workers-compensation)
- [AIG vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess)
- [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess)
- [Alliance Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/umbrella-excess)
- [Amelia Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/umbrella-excess)
- [Amelia Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/umbrella-excess)

## Sources for Aon vs Insureon Umbrella and Excess Liability 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 Insureon

4. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
5. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
6. [Commercial Umbrella Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/umbrella-liability). Insureon; Product definition and underlying policies L67-L90; quote CTA.. Accessed 2026-09-29.

### Sources for the Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
9. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
11. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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).

## Insureon Review Scores for 2026

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-insureon/umbrella-excess.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)