---
title: "Aon vs Layr"
description: "See how Aon’s broker-led placement compares with Layr’s broker-branded small-business workflow platform and licensed support."
canonical: "https://spot.insure/compare/aon-vs-layr"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-layr)

# Aon vs Layr

See how Aon’s broker-led placement compares with Layr’s broker-branded small-business workflow platform and licensed support.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Aon describes consulting and application support for selected U.S. Commercial Risk programs, while Layr supplies workflow software and licensed support through participating brokerages that keep the broker-of-record relationship. Choose Aon when you want a broker to develop and negotiate a program; consider a Layr-powered brokerage when an embedded online workflow and broker-branded service fit your small-commercial 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") [16](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [19](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Aon

Role: Broker.

Broker Spot Score: **6.7/10** (partial score; 70% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Aon UK Limited's FCA number and permissions are company-reported.; No NAIC, NIPR or other state producer search was completed for Aon's U.S. entities beyond the two Texas orders; current status of those Texas licenses was not re-checked.; Aon does not publish a named list of insurers behind its placements, so the network view rests on its concentration statement.; The Central Bank of Ireland, Lloyd's and other state enforcement records were not searched exhaustively.; Placement-specific compensation is not published; only the general categories are.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/aon/reliability).

### Layr

Role: Broker.

Broker Spot Score: **5.6/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/layr/reliability).

## Aon Reviews

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).

## Layr Reviews

Review Score: not enough ratings.

Layr has no customer reviews of its insurance service yet. Its Trustpilot profile has no reviews, and its only rating is one review of its broker software.

- Capterra: Capterra rating 5.0 (out of 5); 1 reviews. Capterra listing for Layr as agency management software for brokers. Rates the software, not the insurance service. One review. Checked 2026-09-29. [Layr Software Pricing, Alternatives & More](https://www.capterra.com/p/190549/Layr/)
- Software Advice: Software Advice rating 5.0 (out of 5); 1 reviews. Software Advice listing (same review pool as Capterra) for Layr's broker software. One review. Checked 2026-09-29. [Layr Software Reviews, Demo & Pricing](https://www.softwareadvice.com/insurance/layr-profile/)

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

## Introduction

Aon and Layr sit at different points in the buying relationship. Aon describes broker advice and application work on selected programs; Layr provides a platform and licensed support that a participating brokerage can present under its own brand while retaining broker-of-record status. The key choice is whether your account needs a broker-led program strategy or an online small-business workflow delivered through your existing brokerage. [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") [16](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents")



## Coverage Comparison

| Coverage Type | Aon | Layr |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page. [9](https://www.aon.com/en/capabilities/risk-transfer/marine-insurance-and-risk-management "Marine Insurance and Risk Management") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. [8](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") | Not listed |
| [Crime](https://spot.insure/coverage/crime) | Listed: Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. [7](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement. [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. [10](https://www.aon.com/en/capabilities/risk-transfer/commercial-surety "Commercial Surety") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Not listed |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Aon and Layr

### Broker relationship and application path

Aon’s U.S. terms describe consultation about insurer selection and program strategy, preparation of underwriting information, and client instructions before binding for certain programs. Layr says a participating brokerage can hand off small-business sales, service and support while retaining the customer relationship. Its illustrated flow lets a buyer select coverage and submit information, but the platform demonstration does not establish a quote or binding time. [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") [16](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [18](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min")

### Portal support, claims and payment terms

Layr markets a white-labeled portal for policy documents, renewals, claims and payments; Aon describes selected-program account administration that can include billing and insurer reporting. Aon’s terms place insurer notice with the client unless a separate signed agreement says otherwise, while Layr describes claims functions and licensed help without replacing policy notice instructions. Layr’s compensation pages also need careful reading: its consumer disclosure permits a finance fee on one payment arrangement, while its broker FAQ describes a different commission arrangement. [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") [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") [19](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [19](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [20](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [22](https://withlayr.com/compensation-disclosure "Explanation of Pricing")

## What to Confirm in Quotes

Ask Aon for the scope of its proposed broker services, its insurer-notice allocation and account-specific compensation. If a brokerage uses Layr, identify which entity is your broker of record, who will service the policy, what the portal can do for your specific carrier, which insurer issues the policy, and any commission, finance or service fee that applies.

## Compare Services

What each provider documents about the services you may need.

| Criteria | Aon | Layr |
| --- | --- | --- |
| Business role | Aon’s U.S. Commercial Risk terms describe Commercial Risk Solutions U.S. as broker of record for certain insurance programs. Separate electronic-delivery terms name Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries to deliver arranged policies; the terms define an insurer as the policy issuer and risk bearer. These group-level descriptions do not identify the producer or authority for a particular placement. [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/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms "Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms") (Evidence: Company-reported; scope: Company-reported U.S. Commercial Risk brokerage and electronic-delivery terms; certain programs only. No specific insured, licensed producer, appointment, policy issuer, state authority or placement was matched.; verified: 2026-09-29.) | Layr Holdings, Inc. operates withlayr.com and markets the Layr Apex platform and licensed support service. Public materials describe Layr handling sales, service and support while its brokerage customer keeps the broker-of-record relationship; they do not identify Layr as the insurer underwriting every policy. [23](https://withlayr.com/terms-of-use "Terms of Use") [15](https://withlayr.com/ "Grow Your Broker Profits") [16](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [19](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") (Evidence: Company-reported; scope: Entity and functional roles in current public materials. The precise producer role can depend on the partner arrangement and proposed policy.; verified: 2026-09-15.)<br><br>The reviewed sources identify Layr Holdings, Inc., its leaders and several investors, but do not disclose a current controlling parent or ownership percentages. [23](https://withlayr.com/terms-of-use "Terms of Use") [24](https://withlayr.com/company/leadership-team "Leadership Team") [26](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Not found in reviewed sources; scope: Current website operator and public ownership review. Investor participation is not treated as control, and no independence claim is made.; verified: 2026-09-15.)<br><br>Layr says a participating brokerage can offload small-business sales, service and support to Layr while retaining broker-of-record status and 100% of its commissions. [16](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [20](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Company-reported; scope: Broker-facing Layr Apex arrangement as marketed publicly; actual allocation of duties and compensation depends on the brokerage agreement.; verified: 2026-09-15.) |
| Application process | For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. [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") (Evidence: Company-reported; scope: Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind.; verified: 2026-09-29.) | Layr describes an online workflow in which a small-business owner assesses and selects coverage, pays, and then has the submission sent to underwriting. Current pages use different speed claims—10 minutes on New Business Capture and 12 minutes in a 2024 announcement—so neither figure establishes the time to receive or bind an actual quote. [18](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [25](https://withlayr.com/resources/blog/layr-welcomes-new-ceo-mark-hara "Layr Welcomes New CEO Mark Hara") (Evidence: Conflicting sources; scope: Company-described digital workflow. No form was completed and no quote, payment or underwriting decision was requested during research.; verified: 2026-09-15.) |
| Servicing and renewals | Aon says it consults with clients before placing or renewing coverage and, where applicable, administers the insurer relationship for selected programs, including billing, data reporting and negotiated requirements. The terms do not promise automatic renewal, a timetable, a specific market or a particular outcome. [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") (Evidence: Company-reported; scope: Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement.; verified: 2026-09-29.) | Layr markets a white-labeled portal with licensed support and broker dashboard updates for policies, renewals, claims and payments. A company release also describes policyholder access to documents, quotes, claims, certificates, bills and electronic payments. [19](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [26](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Company-reported; scope: Company-described platform functions. No authenticated broker or policyholder account was accessed, and no service-time commitment was independently tested.; verified: 2026-09-15.)<br><br>Layr says its team gathers updates, negotiates renewal terms with underwriters and finalizes renewal documents. It describes automatic-renewal policies as hands-free and says customers whose policies need updated information are alerted 60 days before renewal. [20](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Company-reported; scope: Current FAQ description. It does not state the notice needed to stop an automatic renewal or guarantee a renewal offer.; verified: 2026-09-15.) |
| Claims assistance | Under Aon’s U.S. brokerage terms, the client is responsible for directly notifying insurers as its policies require unless a separate signed agreement says otherwise; Aon says it does not assume that notice or monitoring duty without a separate written agreement. This allocation does not determine whether Aon separately offers or agrees to claims advocacy or other claims-related services. [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") [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [7](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Company-reported contractual allocation for covered U.S. Commercial Risk services; policy terms and any separate written agreement control. Aon separately describes claims advocacy on its D&O and cyber pages.; verified: 2026-09-29.) | Layr's current portal materials describe claims activity, online claim functions and help from its licensed support team. They do not establish that Layr is the risk-bearing insurer or replace the notice requirements in the policy. [19](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [26](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Company-reported; scope: Company-described claims workflow and support; no claim was submitted and claims outcomes were not independently evaluated.; verified: 2026-09-15.) |
| Fees and compensation | Aon’s U.S. brokerage terms say compensation may come from insurers or third parties and can vary by contract, insurer and arrangement. Aon and affiliates may also receive contingent and other compensation; contingent goals can create an incentive to place coverage with a particular insurer. Clients may request expected compensation information for their coverage and alternative quotes. The terms do not give a client-specific amount. [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") (Evidence: Company-reported; scope: General company-reported U.S. brokerage terms; actual compensation, fees and conflicts for a client or placement are not stated here and may depend on law or contract.; verified: 2026-09-29.) | Layr's current broker FAQ says Layr receives a percentage of premium while the brokerage keeps 100% of commissions. A separate consumer-facing disclosure says carriers pay Layr a commission and businesses may pay a finance fee of up to 20% of premium. The pages do not reconcile which arrangement applies to a particular broker, policyholder or payment plan. [20](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [22](https://withlayr.com/compensation-disclosure "Explanation of Pricing") (Evidence: Conflicting sources; scope: Two public compensation descriptions for different apparent audiences. Actual agreements and itemized charges were not available.; verified: 2026-09-15.)<br><br>Layr's consumer-facing compensation disclosure says a business that uses its monthly credit-card payment arrangement can pay a percentage-based finance fee of up to 20% of premium. The page does not provide an account-specific rate, total repayment or cancellation terms. [22](https://withlayr.com/compensation-disclosure "Explanation of Pricing") (Evidence: Company-reported; scope: Public compensation disclosure; current applicability to every Layr Apex implementation or payment option is not established.; verified: 2026-09-15.) |

## Related Reading

- [What Is Aon?](https://spot.insure/insurance-providers/aon)
- [What Is Layr?](https://spot.insure/insurance-providers/layr)

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- [CFC vs Layr](https://spot.insure/compare/cfc-vs-layr)
- [Chubb vs Layr](https://spot.insure/compare/chubb-vs-layr)
- [CNA vs Layr](https://spot.insure/compare/cna-vs-layr)
- [Coalition vs Layr](https://spot.insure/compare/coalition-vs-layr)
- [Corgi vs Layr](https://spot.insure/compare/corgi-vs-layr)
- [Coterie Insurance vs Layr](https://spot.insure/compare/coterie-vs-layr)
- [Counterpart vs Layr](https://spot.insure/compare/counterpart-vs-layr)
- [Coverdash vs Layr](https://spot.insure/compare/coverdash-vs-layr)
- [Cowbell vs Layr](https://spot.insure/compare/cowbell-vs-layr)
- [Embroker vs Layr](https://spot.insure/compare/embroker-vs-layr)

## Sources

### [Aon Official Website](https://www.aon.com/)

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. [Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms). Aon; Lines 120–125: Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries in electronic delivery; insurer is defined as issuer and risk bearer. The passage does not identify a producing entity or insurer for a particular placement. Accessed 2026-09-28.
3. [Aon plc Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/315293/000162828026008116/aon-20251231.htm). Aon plc / U.S. Securities and Exchange Commission; Cover lines 23–34: Aon plc is incorporated in Ireland and gives Dublin as principal executive office; lines 261–263: global client breadth; lines 271–273 and segment discussion: company-reported Commercial Risk brokerage and risk-consulting operations. Filing is parent-level evidence, not placement producer, authority or insurer evidence. Accessed 2026-09-29.
4. [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.
5. [Directors’ and Officers’ (D&O) Liability Insurance](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance). Aon; Lines 135–160: general covered allegations and Side A, B and C scenarios, including public/private differences; lines 171–185: insurer-selection analytics, brokerage/claims-team collaboration and management-liability specialization. Product explanation and company-reported services; not an Aon-issued policy or quote. Accessed 2026-09-29.
6. [Professional Services Practice | Insurance Broking & Risk Management](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice). Aon; Lines 125–128: global professional-services team and named law, accounting and consulting firm audience; lines 131–147: professional-liability/E&O offering and terminology; lines 151–176: cyber and EPL offerings, including management liability described at lines 158–163 as a partnership program/category; lines 180–189: professional-services P&C listing, including crime, fiduciary, kidnap and ransom, and automobile liability. “Loss Prevention” section (directly inspected passage at lines 209–212) conditions law-firm loss prevention on Aon broking of lawyers’ professional liability. Global practice page; no state-specific placement schedule. Accessed 2026-09-29.
7. [Cyber Risk](https://www.aon.com/en/capabilities/cyber-resilience). Aon; Lines 194–205: cyber risk financing and cyber insurance; lines 206–230: claims advocacy/preparation and third-party incident-response providers, separate client contracts, no performance guarantee, and possible referral remuneration. Company-reported global service description. Accessed 2026-09-29.
8. [Property Risk Management](https://www.aon.com/en/capabilities/risk-management/property-risk-management). Aon; Lines 132–140: property/buildings/contents and possible business-interruption cover, broker team services; lines 148–159: rates, retentions, limits, deductibles, benchmarking and U.S.-available Property Risk Analyzer; lines 161–168: global market access and alternate risk transfer. Tool availability does not establish placement availability or authority by state. Accessed 2026-09-29.
9. [Marine Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/marine-insurance-and-risk-management). Aon; Lines 123–126: global marine practice, customer examples and marine claims/risk services; lines 155–175: cargo offerings including project cargo, general cargo, stock throughput, excess storage and freight/logistics. No U.S. placement terms, insurer, limits or state authority specified. Accessed 2026-09-29.
10. [Commercial Surety](https://www.aon.com/en/capabilities/risk-transfer/commercial-surety). Aon; Lines 125–127: commercial surety bond description and three parties; lines 190–210: Aon says it approaches the surety market globally and describes its brokerage support, with offerings depending on jurisdiction; lines 211–222: examples of bond types. Global company marketing; no U.S. producing entity, state authority, issuer or placement terms. Accessed 2026-09-29.
11. [About | Aon](https://www.aon.com/en/about). Aon; Aon’s company overview and Our Capabilities list distinguish Risk Capital from Human Capital and describe group-wide capabilities. General company identity context; not placement, authority or insurer evidence. Accessed 2026-09-28.
12. [Broking and Risk Transfer | Aon](https://www.aon.com/en/capabilities/risk-transfer). Aon; Explore Our Risk Transfer Offerings; Property & Casualty, Specialty, Management Liability and industry listings. Broad catalogue only; not sufficient for a dedicated line record by itself. Accessed 2026-09-28.
13. [Financial and Executive Risks | Insurance Broking & Risk Management](https://www.aon.com/en/capabilities/risk-transfer/financial-and-executive-risks). Aon; Financial Services Group Overview; D&O, fiduciary, EPL and crime references plus policy design and insurer market knowledge. Broad category/source context; not sufficient by itself to establish a separate U.S. product. Accessed 2026-09-28.
14. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Lines 125–126: global construction practice designing and placing risk solutions; lines 137–156: industry-specific property, casualty, construction professional liability, subcontractor default and construction surety offerings; lines 167–195: global coverage areas explicitly list Builders Risk, general/umbrella/excess liability within construction liability, workers compensation and surety among other categories. These are construction-practice marketing statements; page does not provide U.S. state or placement availability for each line. Accessed 2026-09-29.

### [Layr Official Website](https://withlayr.com/)

15. [Grow Your Broker Profits](https://withlayr.com/). Layr; Homepage service proposition; broker audience; footer naming Layr Holdings, Inc.; official logo asset. Accessed 2026-09-15.
16. [Software for Insurance Brokers & Agents](https://withlayr.com/whos-with-layr/brokers-agents). Layr; Streamlined Efficiency; Reduce the Drag: Layr handles sales, service and support while the brokerage retains broker-of-record status and commissions. Accessed 2026-09-15.
17. [The Team Improving Insurance Technology](https://withlayr.com/company/insurance-technology). Layr; Mission; small-business market; broker-focused technology; leadership and investor logos. Accessed 2026-09-15.
18. [New Business Capture from Layr — Quote Policies in 10 Min](https://withlayr.com/platform/insurance-quote). Layr; Faster Quotes hero and official SmartQuote illustration listing General Liability, Commercial Auto Liability, Property, Workers Compensation, Umbrella, and Cyber Liability & Data Breach. Accessed 2026-09-15.
19. [Online Portal with Cyber Security for Insurance Companies](https://withlayr.com/platform/secure-portal). Layr; Layr Apex introduction; licensed support team; policyholder activity, portfolio and white-label dashboard descriptions; official dashboard asset. Accessed 2026-09-15.
20. [Insurance Technology Frequently Asked Questions](https://withlayr.com/faq). Layr; Product library; carrier and wholesaler access; renewal process and 60-day collection timing; white labeling; premium-based compensation. Accessed 2026-09-15.
21. [Cyber Liability Insurance](https://withlayr.com/cyber-liability-insurance/). Layr; Policy Overview; Key Protected Threats; Coverage Details; online-purchase call to action (page no longer available as of 15 September 2026). Accessed 2026-09-15.
22. [Explanation of Pricing](https://withlayr.com/compensation-disclosure). Layr; Simplified Pricing: carrier commissions and business finance fee up to 20% of premium; flexible payments, portal and certificate descriptions. Accessed 2026-09-15.
23. [Terms of Use](https://withlayr.com/terms-of-use). Layr; Service operated by Layr Holdings, Inc.; Purchases; Availability, Errors and Inaccuracies; Accounts; last updated 1 April 2018. Accessed 2026-09-15.
24. [Leadership Team](https://withlayr.com/company/leadership-team). Layr; Current leadership and investor-logo section. Accessed 2026-09-15.
25. [Layr Welcomes New CEO Mark Hara](https://withlayr.com/resources/blog/layr-welcomes-new-ceo-mark-hara). Layr; 17 October 2024 announcement: broker and agency audience, small-business selection and payment workflow, underwriting handoff, and brokerages across the U.S. Accessed 2026-09-15.
26. [Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html). Layr via GlobeNewswire; 1 November 2023 company release: financing participants, broker-facing business model, licensed support, policyholder portal functions. Accessed 2026-09-15.
27. [Parcel Pro Customers Now Have Access to Additional Insurance Solutions Through Layr](https://parcelproreferral.partner.withlayr.com/). Layr; 2021-branded referral page: policy list, online application, portal, financing and certificate claims (cyber page no longer available as of 15 September 2026). Accessed 2026-09-15.
28. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; 2026 list entry for Layr Holdings, Inc., license 17853851, original approval 17 March 2021, renewal date 17 March 2027. Accessed 2026-09-15.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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