Aon vs 
Mylo: How Do They Compare for Surety Bonds?
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. Mylo: a surety bond as a three-way agreement between the business (principal), a government authority (obligee) and an insurance company (surety): the surety pays the government authority if the business violates its license or permit, and the business must then reimburse the surety. 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
What Is Mylo Insurance?
Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. 4,5
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. 7,8,9,10,11
Key Differences in 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. Mylo describes a surety bond as a three-way agreement between the business (principal), a government authority (obligee) and an insurance company (surety): the surety pays the government authority if the business violates its license or permit, and the business must then reimburse the surety. 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 6
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. Mylo identifies surety bonds to businesses whose local government requires a bond to hold a business license or permit. 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 6
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. Mylo describes it can recommend the right bond for a business, compare quotes across surety bond providers, and find the best combination of coverage and price. Confirm the submission deadline, required indemnitors and how the executed bond reaches the obligee. 3 6
What to Confirm in 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
- Ask Mylo to confirm the quoted bond form, obligee and indemnity terms; its offering says a surety bond as a three-way agreement between the business (principal), a government authority (obligee) and an insurance company (surety): the surety pays the government authority if the business violates its license or permit, and the business must then reimburse the surety. 6
Aon and Mylo 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
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 reviewsMylo Review Score
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsAon vs Mylo Surety Bonds Compared
Aon vs Mylo: Surety Bonds: documented features by provider
| Criteria | Aon Construction Surety brokerage and risk-advisory offering | Mylo Surety 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. 3Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | Mylo brokers commercial surety bonds by comparing quotes from multiple surety providers rather than acting as the surety itself. 6Company-reported. Surety bonds product page. |
| 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. 3Not found in reviewed sources. 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. | The surety bonds product page does not name the specific surety company that would issue a given business's bond. 6Not publicly disclosed. Checked the surety bonds product page on 2026-09-23. |
| 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. 3Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | Mylo markets surety bonds to businesses whose local government requires a bond to hold a business license or permit. 6Company-reported. Surety bonds product page. |
| 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. 3Company-reported. 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. | Mylo explains a surety bond as a three-way agreement between the business (principal), a government authority (obligee) and an insurance company (surety): the surety pays the government authority if the business violates its license or permit, and the business must then reimburse the surety. 6Company-reported. Surety bonds product page; a structural description, not a specific bond's terms. Mylo warns that if a business cannot reimburse the surety after a bond payout, the surety may sue, the business could lose its license, and it could become harder to obtain a bond in the future. 6Company-reported. Surety bonds product page FAQ. |
| 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. 3Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed. | The surety bonds product page does not publish typical bond amounts or premium ranges; these depend on the license or permit requirement and the business's profession. 6Not publicly disclosed. Checked the surety bonds product page on 2026-09-23. |
| 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. 3Company-reported. 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. | Mylo says it can recommend the right bond for a business, compare quotes across surety bond providers, and find the best combination of coverage and price. 6Company-reported. Surety bonds product page "How will Mylo help me find the right bond?" section. |
Related Pages for Aon vs Mylo Surety Bonds
Surety Bonds Pages for Aon and Mylo
Other Coverage Lines Compared for Aon vs Mylo
Other Surety Bonds Provider Comparisons
Sources for Aon vs Mylo Surety Bonds
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.
- 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 Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Surety Bonds. Mylo; Surety bonds show you mean business; How does a surety bond work?; Surety bond FAQs; How will Mylo help me find the right bond? Accessed 2026-09-23.
Sources for the Surety Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
- 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.
- 40 U.S. Code § 3131 — Bonds of contractors of public buildings or works. 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.
- Surety Bonds. Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
- Surety Bonds Insurance. 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.
