Aon vs Lockton: How Do They Compare for Commercial Property Insurance?

Aon describes property brokerage and consulting and says brokers work with insurance carriers to build a property program. Aon is marketing a brokered placement and risk-management service; the page does not name the insurer for an individual placement. ³Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

Lockton's property team negotiates commercial property placements directly with underwriters rather than through a centralized broking center, and says the same team that meets a client also negotiates with the market on their behalf. ⁷Company-reported. Property product page as read 2026-09-23.

The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. ³Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available.

The property page does not name the insurers Lockton places commercial property coverage with; it describes relationships across the global marketplace in general terms only. ⁷Not publicly disclosed. Property product page checked 2026-09-23.

Aon describes property-risk services for organizations seeking to protect property, buildings, contents and inventory. Its page is a global capability description and does not define an applicant eligibility schedule. ³Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state.

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Aon describes commercial property insurance as protection against loss of property, buildings and contents or inventory from perils such as fire, natural catastrophe, theft and vandalism; it says insurance can also provide business-interruption coverage after property damage. These are general descriptions, not terms of a buyer’s policy. ³Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control.

Lockton says it can tailor its own proprietary manuscript property policy to a client's coverage needs, rather than only placing standard-form property policies. ⁷Company-reported. Property product page as read 2026-09-23. The manuscript form's actual wording and how it compares to standard forms was not published on this page.

The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. ³Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

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Aon describes property brokerage and consulting for business interruption, captive integration, claims advocacy, catastrophe modeling, risk control and terrorism/crisis management. Its US-available Property Risk Analyzer models potential losses and insurance program options; tool availability does not establish placement availability. ³Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

Lockton lists specific property services: detailed review of coverage terms, conditions and policy wordings; retention analysis for deductible selection; exposure and stratification-of-value analysis; catastrophic modeling; preparation of underwriting specifications; and assistance with complex claim recovery. ⁷Company-reported. Property product page as read 2026-09-23. These are described capabilities, not a guarantee of outcome on any specific account.