---
title: "Aon vs Newfront"
description: "Compare Aon’s Middle Market brokerage with Newfront’s WTW-owned business brokerage, digital tools and specialist teams."
canonical: "https://spot.insure/compare/aon-vs-newfront"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-newfront)

# Aon vs Newfront

Compare Aon’s Middle Market brokerage with Newfront’s WTW-owned business brokerage, digital tools and specialist teams.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Aon and Newfront both broker business insurance and describe specialist advisory services. Aon markets a Middle Market practice; Newfront works with companies from early stage to enterprise and joined WTW’s Risk & Broking segment in January 2026. Choose based on the proposed team, account platform and written service scope, not an assumed quote or service outcome. [4](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [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") [22](https://www.newfront.com/business-insurance "Business Insurance") [16](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Aon

Role: Broker.

Broker Spot Score: **6.7/10** (partial score; 70% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Aon UK Limited's FCA number and permissions are company-reported.; No NAIC, NIPR or other state producer search was completed for Aon's U.S. entities beyond the two Texas orders; current status of those Texas licenses was not re-checked.; Aon does not publish a named list of insurers behind its placements, so the network view rests on its concentration statement.; The Central Bank of Ireland, Lloyd's and other state enforcement records were not searched exhaustively.; Placement-specific compensation is not published; only the general categories are.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/aon/reliability).

### Newfront

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/newfront/reliability).

## 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).

## Newfront Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.

- BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/newfront/reviews).

## Introduction

Aon and Newfront both broker business insurance and describe specialist advice alongside placement. Aon markets a dedicated Middle Market practice; Newfront says it serves companies from early stage to enterprise across business insurance, benefits and risk management. Newfront joined WTW in January 2026, so buyers comparing proposals should also identify the contracting and service entities shown on current documents. [4](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [22](https://www.newfront.com/business-insurance "Business Insurance")



## Coverage Comparison

| Coverage Type | Aon | Newfront |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page. [9](https://www.aon.com/en/capabilities/risk-transfer/marine-insurance-and-risk-management "Marine Insurance and Risk Management") | Listed: Newfront lists cargo stock throughput among the coverages its property team handles. [27](https://www.newfront.com/property-insurance "Property") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: As of September 16, 2026, Newfront lists auto liability within its casualty placement services. [24](https://www.newfront.com/casualty-insurance "Casualty") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. [8](https://www.aon.com/en/capabilities/risk-management/property-risk-management "Property Risk Management") | Listed: As of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values. [27](https://www.newfront.com/property-insurance "Property") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: As of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. [7](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Newfront places cyber insurance, negotiates policy wording and provides claims consultation. [26](https://www.newfront.com/cyber-insurance "Cyber Risk") |
| [Digital assets](https://spot.insure/coverage/digital-assets) | Not listed | Listed: Newfront offers brokerage services for digital-asset businesses, including custody and theft risk discussions. [33](https://www.newfront.com/industries/blockchain-and-cryptocurrency "Digital Assets & Blockchain") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement. [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") | Listed: Newfront lists D&O for private and public companies within its executive-risk services. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: Newfront offers employee-benefits advice and program design, including funding and pharmacy strategies. [38](https://www.newfront.com/total-rewards "Employee Benefits") [39](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Newfront offers equipment breakdown solutions through its property practice. [27](https://www.newfront.com/property-insurance "Property") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Newfront lists fidelity and crime among its executive-risk brokerage coverages. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Newfront lists fiduciary coverage among its executive-risk brokerage services. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Newfront includes general liability in its casualty placement services. [24](https://www.newfront.com/casualty-insurance "Casualty") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Not listed | Listed: Newfront’s life-science team arranges IP insurance contracts for life-science and technology clients. [32](https://www.newfront.com/industries/life-science "Life Science") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Newfront lists kidnap and ransom among its executive-risk coverage services. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Newfront arranges management liability insurance for private and public companies. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: Newfront lists product liability among its casualty placement coverages. [24](https://www.newfront.com/casualty-insurance "Casualty") |
| [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: Newfront includes product recall in the life-science insurance programs it designs. [32](https://www.newfront.com/industries/life-science "Life Science") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed. [6](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice | Insurance Broking & Risk Management") | Listed: Newfront lists errors and omissions among its executive-risk coverage services. [25](https://www.newfront.com/executive-risk "Executive Risk") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: Newfront arranges representations and warranties insurance as part of its mergers-and-acquisitions transaction-liability services. [37](https://www.newfront.com/services/mergers-acquisitions "Mergers & Acquisitions") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. [10](https://www.aon.com/en/capabilities/risk-transfer/commercial-surety "Commercial Surety") | Listed: Newfront arranges contract and commercial surety bonds. [28](https://www.newfront.com/surety "Surety") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Newfront lists technology errors and omissions among its cyber-risk placement coverages. [26](https://www.newfront.com/cyber-insurance "Cyber Risk") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Newfront arranges umbrella and excess liability insurance through its casualty practice. [24](https://www.newfront.com/casualty-insurance "Casualty") |
| [Venture capital asset protection](https://spot.insure/coverage/venture-capital-asset-protection) | Not listed | Listed: Newfront markets venture capital asset protection for venture capital funds and their partners. [30](https://www.newfront.com/industries/venture-capital "Venture Capital") |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Not listed | Listed: Newfront arranges insurance programs for digital-health and telemedicine businesses. [34](https://www.newfront.com/industries/digital-health-and-telemedicine "Digital Health & Telemedicine") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. [14](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") | Listed: Newfront arranges workers’ compensation insurance through its casualty practice. [24](https://www.newfront.com/casualty-insurance "Casualty") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Aon and Newfront

### Placement and digital account tools

Aon says its selected U.S. Commercial Risk programs can include insurer and program-strategy discussions, application preparation and binding instructions. Newfront begins with a consultation request and markets Navigator for documents, certificates, claims information, payments and service-team communication. Ask each team to demonstrate the workflow for your account and identify which markets and products it would actually approach. [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") [23](https://www.newfront.com/talk-to-an-expert "Get Started Today") [44](https://www.newfront.com/navigator "Newfront Navigator")

### Claims support and account terms

Newfront describes advocates who can help with insurer correspondence, coverage reservations and disputes; this does not determine whether a claim is covered. Aon’s terms state that clients must notify insurers unless a separate written agreement assigns that duty. Newfront’s reviewed business pages do not publish a standard commission or fee schedule, while Aon’s terms allow variable and contingent compensation. [48](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") [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") [22](https://www.newfront.com/business-insurance "Business Insurance") [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") [16](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

## What to Confirm in Quotes

Ask who will contract with and service your account after Newfront’s WTW integration, what Aon program terms apply, and which team owns renewal and claims escalation. Request each broker’s insurer-notice allocation and account-specific commissions, fees and other compensation.

## Compare Services

What each provider documents about the services you may need.

| Criteria | Aon | Newfront |
| --- | --- | --- |
| Business role | Aon’s U.S. Commercial Risk terms describe Commercial Risk Solutions U.S. as broker of record for certain insurance programs. Separate electronic-delivery terms name Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries to deliver arranged policies; the terms define an insurer as the policy issuer and risk bearer. These group-level descriptions do not identify the producer or authority for a particular placement. [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/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms "Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms") (Evidence: Company-reported; scope: Company-reported U.S. Commercial Risk brokerage and electronic-delivery terms; certain programs only. No specific insured, licensed producer, appointment, policy issuer, state authority or placement was matched.; verified: 2026-09-29.) | WTW announced that it completed its acquisition of Newfront on January 27, 2026. Newfront’s Business Insurance team joined WTW’s Risk & Broking segment, while Total Rewards joined Health, Wealth & Career. [16](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") (Evidence: Company-reported; scope: Acquirer’s completed-transaction announcement, corroborated by current Newfront homepage; company-reported corporate event, not an insurer financial-strength assessment.; verified: 2026-09-15.)<br><br>Newfront’s current terms use the name Newfront Insurance Services. An older official disclosure identifies ABD Insurance and Financial Services, Inc. as the agency behind the Newfront brand following its 2022 merger. The current site calls Newfront Insurance Services a trade name; confirm the full contracting producer name on your engagement agreement. [17](https://www.newfront.com/terms "General Terms Of Use") [15](https://www.newfront.com/ "Newfront") [19](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf "Inflection Point: The Transformative Promise Of AI In Insurance And Beyond") (Evidence: Company-reported; scope: Historical corporate identity is separated from current trade-name usage. Current license record and any subsequent legal-name changes could not be independently established. No claim that the former Newfront Insurance Services, LLC remains a separate current producer.; verified: 2026-09-15.)<br><br>Newfront’s brokerage team analyzes risks and negotiates insurance placement. Its claims service acts as a liaison with the carrier. The broker’s advice and advocacy do not make Newfront the insurer responsible for the policy. [22](https://www.newfront.com/business-insurance "Business Insurance") [26](https://www.newfront.com/cyber-insurance "Cyber Risk") [48](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") [17](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: Documented broking and carrier roles. Do not infer risk-bearing authority from “program,” “underwriting,” or ownership of technology.; verified: 2026-09-15.) |
| Application process | For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. [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") (Evidence: Company-reported; scope: Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind.; verified: 2026-09-29.) | The public buying path starts with a consultation request. The form asks for your role, company, contact details, industry, employee count, and the service you need. It does not display a premium or bind coverage. [23](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Verified; scope: The empty public form was reviewed on 15 September 2026. No information was entered or submitted; downstream underwriting and purchasing workflow was not tested.; verified: 2026-09-15.)<br><br>Newfront describes assembling a team for your industry, reviewing your business and risk exposures, and presenting that information to underwriters. Its technology practice describes onboarding and renewal reviews, with additional market shopping when appropriate. The reviewed public pages do not promise a universal quote or binding turnaround. [22](https://www.newfront.com/business-insurance "Business Insurance") [43](https://www.newfront.com/industries/technology "Technology") [23](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Company-reported; scope: Service descriptions, not observed customer onboarding or measured timing. A consultation is not a completed insurance application.; verified: 2026-09-15.)<br><br>Some online services may require you to appoint Newfront as broker of record—the broker designated to service your insurance. Ask which tools and services are included before signing that appointment. [17](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §1.2; condition applies to some services, not a claim all public pages require an appointment.; verified: 2026-09-15.)<br><br>Life-science clients can use Newfront’s Clinical Trial Portal to check country requirements, upload documents, and request quotes. The public description does not establish automatic approval or a guaranteed time to receive coverage. [32](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Public portal description only; no portal authentication, uploads or quotation attempts.; verified: 2026-09-15.) |
| Servicing and renewals | Aon says it consults with clients before placing or renewing coverage and, where applicable, administers the insurer relationship for selected programs, including billing, data reporting and negotiated requirements. The terms do not promise automatic renewal, a timetable, a specific market or a particular outcome. [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") (Evidence: Company-reported; scope: Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement.; verified: 2026-09-29.) | Newfront says Navigator brings together policy documents, certificates, claims information, payment tools, and communication with the service team. Its Executive Risk page describes renewal submissions pre-filled with historical data and document sharing with access controls. [44](https://www.newfront.com/navigator "Newfront Navigator") [25](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Official feature documentation and demonstration assets only; no authenticated client account was used or outcome measured.; verified: 2026-09-15.)<br><br>A policy or coverage change requested through Navigator remains preliminary until the applicable carrier approves it and provides written confirmation. A submitted request is not evidence that the new coverage is in force. [17](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §5.3. Contractual limitation, not an interpretation of a customer policy.; verified: 2026-09-15.)<br><br>Newfront says its Partner Management tool is included in client service agreements at no additional cost. It tracks vendor certificates, expiration dates, compliance issues, and follow-up activity inside Navigator. This is a statement about that tool, not a promise of free brokerage services. [45](https://www.newfront.com/partner-management "Partner Management Tool") (Evidence: Company-reported; scope: Current feature page inclusion statement; actual client eligibility and service scope require agreement confirmation.; verified: 2026-09-15.)<br><br>Newfront’s Contract Review tool extracts insurance requirements, compares them with current policies, provides source citations, and notifies the Newfront team. Its Coverage Gap Analysis tool supports the team’s policy reviews. These are company-described functions; the reviewed materials do not independently establish accuracy or prove that all gaps will be detected. [46](https://www.newfront.com/contract-review "AI-Powered Contract Review") [47](https://www.newfront.com/cga "AI-Powered Coverage Gap Analysis") (Evidence: Company-reported; scope: AI-supported advisory tools, not a substitute for actual policy or legal review. No adoption of competitor comparisons, minutes-to-completion or outcome claims.; verified: 2026-09-15.)<br><br>Newfront’s March 2026 privacy notice describes integration with WTW as ongoing and anticipates substantial integration by year-end, subject to legal and contractual limits. That is a stated plan, not confirmation that systems, data practices, or service agreements have already been unified. [18](https://www.newfront.com/privacy "Privacy Policy") (Evidence: Company-reported; scope: Introduction, integration statement dated 13 March 2026; do not present anticipated timing as a completed event.; verified: 2026-09-15.) |
| Claims assistance | Under Aon’s U.S. brokerage terms, the client is responsible for directly notifying insurers as its policies require unless a separate signed agreement says otherwise; Aon says it does not assume that notice or monitoring duty without a separate written agreement. This allocation does not determine whether Aon separately offers or agrees to claims advocacy or other claims-related services. [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") [5](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [7](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Company-reported contractual allocation for covered U.S. Commercial Risk services; policy terms and any separate written agreement control. Aon separately describes claims advocacy on its D&O and cyber pages.; verified: 2026-09-29.) | Newfront describes helping establish reporting protocols before a loss, reviewing how a policy may respond, and acting as the buyer’s liaison with the carrier. Its advocates address coverage-reservation and denial letters, counsel selection, vendor rates, reimbursement, and allocation disputes. This documents claims assistance, not a promise that a claim will be paid. [48](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") (Evidence: Company-reported; scope: Company description of advocacy, including TPA and adjuster selection/oversight. No assessment of claims-payment quality or assertion that Newfront is the paying insurer.; verified: 2026-09-15.) |
| Fees and compensation | Aon’s U.S. brokerage terms say compensation may come from insurers or third parties and can vary by contract, insurer and arrangement. Aon and affiliates may also receive contingent and other compensation; contingent goals can create an incentive to place coverage with a particular insurer. Clients may request expected compensation information for their coverage and alternative quotes. The terms do not give a client-specific amount. [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") (Evidence: Company-reported; scope: General company-reported U.S. brokerage terms; actual compensation, fees and conflicts for a client or placement are not stated here and may depend on law or contract.; verified: 2026-09-29.) | A standard business-insurance fee schedule, commission percentage, or premium range was not found in the reviewed business, consultation, and general-terms pages. Request an account-specific disclosure of brokerage fees, insurer commissions, other remuneration, and any separately billed services. [22](https://www.newfront.com/business-insurance "Business Insurance") [23](https://www.newfront.com/talk-to-an-expert "Get Started Today") [17](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial property/casualty pricing scope. Employee-benefits terms below are not extrapolated to P&C; absence of a public schedule does not mean zero compensation.; verified: 2026-09-15.)<br><br>For Total Rewards, the order form sets compensation. The published terms allow insurer-paid commissions or client fees and disclose additional carrier compensation tied to the wider book of business. They also address non-cash compensation, retained unused carrier funds, and separate pass-through expenses. Newfront says supplemental commissions will not affect its recommendations. [40](https://www.newfront.com/terms/total-rewards "Total Rewards Terms Of Service") (Evidence: Company-reported; scope: Total Rewards Terms §§4.1–4.8 only; not P&C-wide terms. Company promise about recommendations is not independently verified conflict-of-interest performance.; verified: 2026-09-15.)<br><br>Total Rewards agreements renew annually unless written nonrenewal notice is given at least 60 days in advance. Termination for convenience is allowed during renewal terms with 60 days’ written notice; the client must retain Newfront as broker of record through the current agreement term. Separately, a participating Block Strategy client ending the agreement for convenience during an active affected policy can owe an early-exit fee based on remaining premium savings. [40](https://www.newfront.com/terms/total-rewards "Total Rewards Terms Of Service") (Evidence: Company-reported; scope: Total Rewards Terms §§3.2–3.4. Section 3.4.1 conditions the savings-based fee on Block Strategy participation and active affected coverage; §3.4.2 applies broker-of-record retention to termination for convenience under §3.4, without that participation condition. Not general business-insurance cancellation terms.; verified: 2026-09-15.) |

## Related Reading

- [What Is Aon?](https://spot.insure/insurance-providers/aon)
- [What Is Newfront?](https://spot.insure/insurance-providers/newfront)

## Related Comparisons

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- [Coterie Insurance vs Newfront](https://spot.insure/compare/coterie-vs-newfront)
- [Counterpart vs Newfront](https://spot.insure/compare/counterpart-vs-newfront)
- [Coverdash vs Newfront](https://spot.insure/compare/coverdash-vs-newfront)
- [Cowbell vs Newfront](https://spot.insure/compare/cowbell-vs-newfront)
- [Embroker vs Newfront](https://spot.insure/compare/embroker-vs-newfront)

## Sources

### [Aon Official Website](https://www.aon.com/)

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. [Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms). Aon; Lines 120–125: Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries in electronic delivery; insurer is defined as issuer and risk bearer. The passage does not identify a producing entity or insurer for a particular placement. Accessed 2026-09-28.
3. [Aon plc Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/315293/000162828026008116/aon-20251231.htm). Aon plc / U.S. Securities and Exchange Commission; Cover lines 23–34: Aon plc is incorporated in Ireland and gives Dublin as principal executive office; lines 261–263: global client breadth; lines 271–273 and segment discussion: company-reported Commercial Risk brokerage and risk-consulting operations. Filing is parent-level evidence, not placement producer, authority or insurer evidence. Accessed 2026-09-29.
4. [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.
5. [Directors’ and Officers’ (D&O) Liability Insurance](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance). Aon; Lines 135–160: general covered allegations and Side A, B and C scenarios, including public/private differences; lines 171–185: insurer-selection analytics, brokerage/claims-team collaboration and management-liability specialization. Product explanation and company-reported services; not an Aon-issued policy or quote. Accessed 2026-09-29.
6. [Professional Services Practice | Insurance Broking & Risk Management](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice). Aon; Lines 125–128: global professional-services team and named law, accounting and consulting firm audience; lines 131–147: professional-liability/E&O offering and terminology; lines 151–176: cyber and EPL offerings, including management liability described at lines 158–163 as a partnership program/category; lines 180–189: professional-services P&C listing, including crime, fiduciary, kidnap and ransom, and automobile liability. “Loss Prevention” section (directly inspected passage at lines 209–212) conditions law-firm loss prevention on Aon broking of lawyers’ professional liability. Global practice page; no state-specific placement schedule. Accessed 2026-09-29.
7. [Cyber Risk](https://www.aon.com/en/capabilities/cyber-resilience). Aon; Lines 194–205: cyber risk financing and cyber insurance; lines 206–230: claims advocacy/preparation and third-party incident-response providers, separate client contracts, no performance guarantee, and possible referral remuneration. Company-reported global service description. Accessed 2026-09-29.
8. [Property Risk Management](https://www.aon.com/en/capabilities/risk-management/property-risk-management). Aon; Lines 132–140: property/buildings/contents and possible business-interruption cover, broker team services; lines 148–159: rates, retentions, limits, deductibles, benchmarking and U.S.-available Property Risk Analyzer; lines 161–168: global market access and alternate risk transfer. Tool availability does not establish placement availability or authority by state. Accessed 2026-09-29.
9. [Marine Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/marine-insurance-and-risk-management). Aon; Lines 123–126: global marine practice, customer examples and marine claims/risk services; lines 155–175: cargo offerings including project cargo, general cargo, stock throughput, excess storage and freight/logistics. No U.S. placement terms, insurer, limits or state authority specified. Accessed 2026-09-29.
10. [Commercial Surety](https://www.aon.com/en/capabilities/risk-transfer/commercial-surety). Aon; Lines 125–127: commercial surety bond description and three parties; lines 190–210: Aon says it approaches the surety market globally and describes its brokerage support, with offerings depending on jurisdiction; lines 211–222: examples of bond types. Global company marketing; no U.S. producing entity, state authority, issuer or placement terms. Accessed 2026-09-29.
11. [About | Aon](https://www.aon.com/en/about). Aon; Aon’s company overview and Our Capabilities list distinguish Risk Capital from Human Capital and describe group-wide capabilities. General company identity context; not placement, authority or insurer evidence. Accessed 2026-09-28.
12. [Broking and Risk Transfer | Aon](https://www.aon.com/en/capabilities/risk-transfer). Aon; Explore Our Risk Transfer Offerings; Property & Casualty, Specialty, Management Liability and industry listings. Broad catalogue only; not sufficient for a dedicated line record by itself. Accessed 2026-09-28.
13. [Financial and Executive Risks | Insurance Broking & Risk Management](https://www.aon.com/en/capabilities/risk-transfer/financial-and-executive-risks). Aon; Financial Services Group Overview; D&O, fiduciary, EPL and crime references plus policy design and insurer market knowledge. Broad category/source context; not sufficient by itself to establish a separate U.S. product. Accessed 2026-09-28.
14. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Lines 125–126: global construction practice designing and placing risk solutions; lines 137–156: industry-specific property, casualty, construction professional liability, subcontractor default and construction surety offerings; lines 167–195: global coverage areas explicitly list Builders Risk, general/umbrella/excess liability within construction liability, workers compensation and surety among other categories. These are construction-practice marketing statements; page does not provide U.S. state or placement availability for each line. Accessed 2026-09-29.

### [Newfront Official Website](https://www.newfront.com)

15. [Newfront](https://www.newfront.com/). Newfront; Built to Scale; business and industry navigation; footer trade-name and license notice; WTW announcement hero. Accessed 2026-09-15.
16. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
17. [General Terms Of Use](https://www.newfront.com/terms). Newfront; Last updated 17 July 2025; opening contracting name; §1.2 Additional Requirements; §5.3 Reliance on Services; §2 copyright and use restrictions. Accessed 2026-09-15.
18. [Privacy Policy](https://www.newfront.com/privacy). Newfront; Last updated 13 March 2026; Introduction, paragraphs beginning “On January 27, 2026” and “We anticipate”; integration timetable and qualifications. Accessed 2026-09-15.
19. [Inflection Point: The Transformative Promise Of AI In Insurance And Beyond](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf). Newfront; PDF page 14 of 14, ©2023 footer: Newfront brand name; ABD Insurance and Financial Services, Inc. as surviving agency; 1 January 2022 merger. Accessed 2026-09-15.
20. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search for 0H55918 on 15 September 2026; the public lookup could not be completed and no record was returned. Accessed 2026-09-15.
21. [License List Linked By Newfront](https://docs.google.com/document/d/1UMPePkw6yPnyB41_ME6Tmb0OfTAyDl7dA6bgyLPVvW8/edit). Newfront (linked Google document); Footer-linked license list; the linked list could not be independently read on 15 September 2026. Accessed 2026-09-15.
22. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
23. [Get Started Today](https://www.newfront.com/talk-to-an-expert). Newfront; Consultation form: contact and company fields, industry, employee count, service choices and Additional Details. Accessed 2026-09-15.
24. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Our Approach: Placement Expertise; Key Coverages to Protect Your Business: General Liability, Product Liability, Auto Liability, Umbrella/Excess Liability, Workers’ Compensation. Accessed 2026-09-16.
25. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O) for private and public companies, Errors and Omissions (E&O), Employment Practices Liability Insurance (EPLI), Fiduciary, Fidelity and Crime, Kidnap & Ransom; Committed to Client Advocacy: integrated claims and coverage negotiation; Industry-Leading Technology; Executive Risk Solutions Practice Leader description of management liability lines; brokerage footer. Accessed 2026-09-16.
26. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Coverage Negotiation; Subject Matter Expertise; Key Coverages to Protect Your Business: Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, Cyber Extortion and Ransomware Coverage. Accessed 2026-09-16.
27. [Property](https://www.newfront.com/property-insurance). Newfront; Opening equipment-breakdown service offer; Our Approach: Quality Matters and Global Placement Expertise; No Two Risks are Alike; Key Coverages to Protect Your Business: Cargo Stock Throughput; Talk to an Expert. Accessed 2026-09-16.
28. [Surety](https://www.newfront.com/surety). Newfront; Safeguarding Your Success; Contract Bonds; Commercial Bonds; Key Bond Types for Your Business: Contract Surety, Commercial Surety, Subdivision/Developer Bonds; Industry-Leading Technology. Accessed 2026-09-16.
29. [Workers’ Compensation](https://www.newfront.com/workers-compensation). Newfront; Optimized Risk Financing; Claims Advocacy; Circle of Care; Technology-Based Resources. Accessed 2026-09-15.
30. [Venture Capital](https://www.newfront.com/industries/venture-capital). Newfront; Our approach; Comprehensive Coverage: Venture Capital Asset Protection; Customized Coverage: Manuscript Coverage Endorsement; VCAP policy for funds, partners and portfolio companies. Accessed 2026-09-16.
31. [Asset Protection Program](https://www.newfront.com/asset-protection-program). Newfront; Tailored LPI Services; Comprehensive Coverage Solutions; Strong Carrier Partnerships; Seamless Technology & Full-Service Support. Accessed 2026-09-15.
32. [Life Science](https://www.newfront.com/industries/life-science). Newfront; Insightful risk management (program design for supply chain, clinical trials, product liability and recall); Foreign clinical trial expertise; Clinical trial portal; Leadership: IP insurance contracts for life-science and technology clients. Accessed 2026-09-16.
33. [Digital Assets & Blockchain](https://www.newfront.com/industries/blockchain-and-cryptocurrency). Newfront; Subject matter expertise: theft of digital assets, custody and counterparties; underwriter relationships in US, London and Bermuda. Accessed 2026-09-16.
34. [Digital Health & Telemedicine](https://www.newfront.com/industries/digital-health-and-telemedicine). Newfront; Digital Health & Telemedicine hero; Strategies for the journey; Vertically-dedicated team; A tech-forward take; Step-by-step claims guidance. Accessed 2026-09-16.
35. [Aviation](https://www.newfront.com/industries/aviation). Newfront; Custom Strategy; Deep Industry Connections; Subject Matter Expertise: aircraft, helicopters, VTOL and drones. Accessed 2026-09-15.
36. [Entertainment](https://www.newfront.com/industries/entertainment). Newfront; Subject matter expertise: live events, theme parks, resorts, media companies, event cancellation, weather and parametrics. Accessed 2026-09-15.
37. [Mergers & Acquisitions](https://www.newfront.com/services/mergers-acquisitions). Newfront; Transaction liability: R&W, tax and contingent liability insurance; Due diligence; Go-forward insurance & benefits. Accessed 2026-09-16.
38. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
39. [Strategic Planning](https://www.newfront.com/total-rewards/strategic-planning). Newfront; Funding Approach; Pharmacy Solutions; Renewal Negotiations & Proprietary Programs. Accessed 2026-09-16.
40. [Total Rewards Terms Of Service](https://www.newfront.com/terms/total-rewards). Newfront; Last updated 4 May 2026; §§1–2 scope and client obligations; §§3.2–3.4 renewal, termination and Block Strategy; §§4.1–4.8 compensation and expenses. Accessed 2026-09-15.
41. [Global Insurance](https://www.newfront.com/services/global). Newfront; Our Approach; Worldwide Connections; Global Services including locally admitted coverage. Accessed 2026-09-15.
42. [Alternative Risk Financing](https://www.newfront.com/services/alternative-risk-financing). Newfront; Analyze the options; Robust and unique solutions; Leveraging a Captive. Accessed 2026-09-15.
43. [Technology](https://www.newfront.com/industries/technology). Newfront; Process-driven approach; Fully engaged; IPO D&O Toolkit. Accessed 2026-09-15.
44. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
45. [Partner Management Tool](https://www.newfront.com/partner-management). Newfront; Simplify Compliance. Strengthen Vendor Management; Automated Compliance, No Extra Cost. Accessed 2026-09-15.
46. [AI-Powered Contract Review](https://www.newfront.com/contract-review). Newfront; Introduction; Clarity Without the Complexity; Backed by Experts. Accessed 2026-09-15.
47. [AI-Powered Coverage Gap Analysis](https://www.newfront.com/cga). Newfront; Consistent, Confident Coverage Reviews; walkthrough describing tools used by Newfront teams. Accessed 2026-09-15.
48. [Claims Advocacy](https://www.newfront.com/services/claims-advocacy). Newfront; Pre-loss protocols; Meaningful consulting; Proactive advocacy; Comprehensive service at the core. Accessed 2026-09-15.

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

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