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

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-liberty-mutual/surety-bonds)

## Agent Guide

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

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

**Key facts:**
- Line: Surety Bonds. Providers: Aon and Liberty Mutual.
- 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 Liberty Mutual](https://spot.insure/compare/aon-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Surety Bonds](https://spot.insure/compare/aon-vs-baldwin/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Surety Bonds](https://spot.insure/compare/aon-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs CNA Surety Bonds](https://spot.insure/compare/aon-vs-cna/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Coverdash Surety Bonds](https://spot.insure/compare/aon-vs-coverdash/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Surety Bonds](https://spot.insure/compare/aon-vs-embroker/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Aon vs Liberty Mutual: How Do They Compare for Surety Bonds?

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

## How to Use the Aon vs Liberty Mutual Surety Bonds Comparison

Use this comparison to evaluate Aon and Liberty Mutual for Surety Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Aon vs Liberty Mutual Surety Bonds Summary

Aon: construction surety bonds and describes them as financial security intended to guarantee contractor performance and payment to specified subcontractors, laborers and material suppliers. Actual bond obligations depend on the bond form and its terms. Liberty Mutual: surety lists commercial bonds for business customers. [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://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## What Is Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [7](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [8](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [9](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [10](https://www.chubb.com/us-en/surety.html "Surety Bonds") [11](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## What Are the Key Differences Between Aon and Liberty Mutual Surety Bonds?

### Bond forms for the stated obligation

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For construction surety, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Liberty Mutual describes surety lists commercial bonds for business customers. A bond protects the obligee under the named obligation, so compare the required form and conditions against the contract or license before choosing a route. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

### Applicant profile and service model

Aon identifies its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. Liberty Mutual identifies surety lists commercial bonds for business customers. A contractor or business should ask whether its trade, financial profile and bond amount fit the stated market and what documentation will be needed. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

### How the application moves

Aon describes its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For construction surety, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Liberty Mutual describes surety lists commercial bonds for business customers. Confirm the submission deadline, required indemnitors and how the executed bond reaches the obligee. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## What Should You Confirm in Aon and Liberty Mutual Surety Bonds Quotes?

- Ask Aon to confirm the quoted bond form, obligee and indemnity terms; its offering says construction surety bonds and describes them as financial security intended to guarantee contractor performance and payment to specified subcontractors, laborers and material suppliers. Actual bond obligations depend on the bond form and its terms. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")
- Ask Liberty Mutual to confirm the quoted bond form, obligee and indemnity terms; its offering says surety lists commercial bonds for business customers. [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## Aon vs Liberty Mutual Surety Bonds Compared

| Criteria | Aon Construction Surety brokerage and risk-advisory offering | Commercial Bonds |
| --- | --- | --- |
| Role in This Line | Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For construction surety, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | Liberty Mutual Surety lists commercial bonds for business customers. [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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 describes large-commercial and small-commercial markets and instructs prospective customers to contact a surety representative. [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Coverage Features | Aon lists construction surety bonds and describes them as financial security intended to guarantee contractor performance and payment to specified subcontractors, laborers and material suppliers. Actual bond obligations depend on the bond form and its terms. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) | The page names court, appeal, license/permit, ERISA, fidelity and other commercial bond types; bonding is distinct from liability insurance. [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [6](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) |

## Related Pages for Aon vs Liberty Mutual Surety Bonds

- [Aon vs Liberty Mutual](https://spot.insure/compare/aon-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk)
- [Aon vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/cargo-transit)
- [Aon vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-auto)
- [Aon vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-property)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime)
- [Aon vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/cyber)
- [Aon vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/directors-officers)
- [Aon vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/employment-practices)
- [Aon vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/fiduciary)
- [Aon vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/general-liability)
- [Aon vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/kidnap-ransom)
- [Aon vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/management-liability)
- [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess)
- [Aon vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/workers-compensation)
- [Aon vs The Baldwin Group Surety Bonds](https://spot.insure/compare/aon-vs-baldwin/surety-bonds)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs Chubb Surety Bonds](https://spot.insure/compare/aon-vs-chubb/surety-bonds)
- [Aon vs CNA Surety Bonds](https://spot.insure/compare/aon-vs-cna/surety-bonds)
- [Aon vs Coverdash Surety Bonds](https://spot.insure/compare/aon-vs-coverdash/surety-bonds)
- [Aon vs Embroker Surety Bonds](https://spot.insure/compare/aon-vs-embroker/surety-bonds)

## Sources for Aon vs Liberty Mutual Surety Bonds

### Sources About Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
3. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30.

### Sources About Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [Commercial Bonds](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/). Liberty Mutual Business Insurance; ‘Broad slate of commercial bonds’ enumerates court/fiduciary, appeal, tax appeal, self-insurer workers compensation, license/permit, reclamation, lost instrument, utility payment, service/supply, business services, public official, ERISA, fidelity and miscellaneous bonds; page states distinct large/small commercial audiences and qualified program scale.. Accessed 2026-09-29.

### Sources for the Surety Bonds Guide

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

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

## Aon Review Scores for 2026

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

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

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-liberty-mutual/surety-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)