---
title: "Aon vs Liberty Mutual: Umbrella and Excess Liability Insurance"
description: "Aon describes construction project risk advice with umbrella and excess broking; Liberty Mutual lists umbrella/excess in its commercial and wholesale catalogues and distributes commercial products through brokers and agents."
canonical: "https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-liberty-mutual"
provider-a: "aon"
provider-b: "liberty-mutual"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Aon and Liberty Mutual 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 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 Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Aon or Liberty Mutual?
- What does Aon or Liberty Mutual 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 Liberty Mutual?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. 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
- [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)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-kinro/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)

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

Aon describes construction project risk advice with umbrella and excess broking; Liberty Mutual lists umbrella/excess in its commercial and wholesale catalogues and distributes commercial products through brokers and agents.

## Research Scope and Use

Use this comparison to evaluate Aon and Liberty Mutual 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.

## Summary

Aon describes construction project risk advice with umbrella and excess broking; Liberty Mutual lists umbrella/excess in its commercial and wholesale catalogues and distributes commercial products through brokers and agents. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution")

## 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 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")

## Key Differences in Umbrella and Excess Liability Insurance

### Construction Practice and Commercial Distribution

Aon places umbrella and excess within a global construction practice that serves project owners, contractors, engineers and related organizations. Liberty Mutual lists umbrella/excess among commercial and wholesale-industry coverages and says its commercial products are distributed through brokers and agents. A construction buyer can ask whether Liberty’s wholesale offering fits the class while using Aon’s project advisory for account-specific risk analysis. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

### Terms Need an Account Quote

Liberty Mutual names umbrella/excess as an option for the wholesale industry, but its reviewed page does not establish limits or attachment terms. Aon likewise lists the line without a buyer-specific schedule, while describing project risk advice. Neither catalogue entry tells a buyer how a proposed layer will respond to the underlying policies; compare the actual forms and limits. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

### Broker and Agent Route

Liberty Mutual directs commercial buyers through brokers and agents, while Aon describes its own global broking practice. The public pages do not identify a specific quote or bind process for an account. Ask who will collect the underlying schedule and communicate the carrier’s attachment requirements before a contract deadline. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Liberty Mutual which wholesale class and underlying policies qualify, and request the proposed attachment point and limit. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")
- Ask Aon which project exposures and documents it will use to structure 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")

## Offering Details

| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | Umbrella and Excess Liability |
| --- | --- | --- |
| 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..) | Liberty Mutual lists umbrella and excess liability in its commercial catalogue and in a wholesale-industry coverage list. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. 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 commercial business pages distribute products through brokers and agents. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | Its wholesale page names umbrella/excess cover as an option for that industry; limits and attachment terms are not established here. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. 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. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (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..) |

## Full Comparison

- [Aon vs Liberty Mutual](https://spot.insure/compare/aon-vs-liberty-mutual): 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 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 Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/workers-compensation)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess)
- [Alliance Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/umbrella-excess)
- [Amelia Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/umbrella-excess)
- [Aon vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-kinro/umbrella-excess)
- [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess)
- [Aon vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-mylo/umbrella-excess)

## Sources

### 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.

### 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. [Wholesale Distribution](https://business.libertymutual.com/industries/wholesale/). Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility.. Accessed 2026-09-29.

### 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 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).

## Liberty Mutual Reviews

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/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)