Aon vs Marsh McLennan Agency: How Do They Compare for Cargo and Transit Insurance?

Aon lists General Cargo, Excess Storage, Stock Throughput, and Project Cargo/Marine Delay in Start-Up. Marsh McLennan Agency describes cargo stock-throughput, inland transit, motor-truck cargo, and ocean marine options. ^3,⁶

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. ^1,²

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Read the Aon Cargo and Transit Insurance page

What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. ^4,⁵

Read the Marsh McLennan Agency profile

Read the Marsh McLennan Agency Cargo and Transit Insurance page

What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. ^7,^8,^9,¹⁰

Read the full coverage guide

What Are the Key Differences Between Aon and Marsh McLennan Agency Cargo and Transit Insurance?

Named Cargo Options

Aon’s cargo page names General Cargo, Excess Storage, Stock Throughput, and Project Cargo/Marine Delay in Start-Up. Marsh McLennan Agency’s overview names stock throughput, inland transit, motor-truck cargo, and ocean marine for goods in storage or transit. A business with both truck and ocean movements can use the MMA list to ask how the placements divide, while Aon’s named project-cargo option raises a separate question about construction shipments. Neither overview specifies the policy wording or which option fits a specific route. ³ ⁶

Goods at Rest and in Motion

Marsh McLennan Agency lists stock throughput, inland transit, motor-truck cargo, and ocean marine for goods in storage or transit. Aon describes cargo during loading, unloading, storage, and transit, with Excess Storage and Project Cargo/Marine Delay among its options. A business moving inventory from warehouse to customer can use these named categories to test whether one placement covers each handoff; the offerings are descriptions, not policy wording. Ask for the locations, transit legs, and selected forms to be shown together in the proposal. ⁶ ³

What Should You Confirm in Aon and Marsh McLennan Agency Cargo and Transit Insurance Quotes?

Which MMA policy or policies would cover ocean, motor-truck, inland, and stock-throughput exposures, and what Aon form covers the same routes? ³ ⁶
Which insurer and policy forms cover the same stock values at each warehouse and during each inland or ocean leg? ³ ⁶

Aon and Marsh McLennan Agency Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Aon Review Score

6.1/ 10

Review Score

3 rated sources

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.^[4]^[6]^[7]

Read Aon reviews

Marsh McLennan Agency Review Score

8.2/ 10

Review Score

2 rated sources

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.^[8]^[9]^[1]

Read Marsh McLennan Agency reviews

Aon vs Marsh McLennan Agency Cargo and Transit Insurance Compared

Aon vs Marsh McLennan Agency: Cargo and Transit Insurance: documented features by provider

Criteria	Aon Cargo and Transit brokerage and risk-advisory offering	Marsh McLennan Agency cargo transit (official overview)
Role in This Line	Aon states it offers cargo insurance solutions and describes its role as cargo broker. The page does not name the carrier that would insure a particular shipment or account. 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.	Marsh McLennan Agency describes arranging cargo transit for the audience stated on the cited product page. ⁶Company-reported. cargo transit marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.
Issuing Insurer	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.	Confirm in your quote.
Who It’s For	Aon addresses businesses across industries that move raw materials, components, finished goods and appliances by road, rail, sea or air, domestically and internationally. 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.	Businesses storing or transporting goods; source discusses domestic and international supply chains. ⁶Company-reported. cargo transit marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.
Coverage Features	Aon describes cargo insurance for physical loss or damage to goods during transportation and describes goods as protected during loading, unloading, storage and transit. Its listed options include General Cargo, Excess Storage, Stock Throughput and Project Cargo/Marine Delay in Start-Up. These are Aon’s product descriptions, not a guarantee that a buyer’s policy includes every category or peril. 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.	The cited product page describes cargo stock-throughput, inland transit, motor-truck cargo, and ocean marine options for goods in storage or transit. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ⁶Company-reported. cargo transit marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.
Limits and Retentions	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.	The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. ⁶Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.
Risk Services	Aon describes cargo broking, risk consulting, claims management and a global network coordinating local expertise. These are brokerage and advisory services, not the insurer’s claim decision or a guarantee of recovery. ³Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.	Confirm in your quote.
How to Apply	Confirm in your quote.	The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. ⁶Company-reported. cargo transit marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Related Pages for Aon vs Marsh McLennan Agency Cargo and Transit

Cargo and Transit Insurance Pages for Aon and Marsh McLennan Agency

Other Coverage Lines Compared for Aon vs Marsh McLennan Agency

Other Cargo and Transit Insurance Provider Comparisons

Sources for Aon vs Marsh McLennan Agency Cargo and Transit Insurance

Sources About Aon

Commercial Risk Solutions U.S. Brokerage Terms of Service. 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.
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.
Cargo Insurance. Aon; Cargo insurance definition and transport scope, coverage examples including loading, unloading and storage, lines 123–175; broking, risk consulting, claims management and global cargo network services in ‘How Aon Can Help’; talk-to-team link at top. Accessed 2026-09-30.

Sources About Marsh McLennan Agency

Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
Cargo Insurance | MMA. Marsh McLennan Agency; Cargo insurance coverage; cargo stock throughput, inland transit, motor truck cargo, and ocean marine sections. Accessed 2026-09-30.

Sources for the Cargo and Transit Insurance Guide

Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.