Aon vs 
Simply Business: How Do They Compare for Professional Liability (E&O) Insurance?
Aon: professional liability as addressing professional-services firms’ liability exposure and says it tailors coverage structures to a firm’s needs. It identifies E&O as a commonly used name for professional-liability insurance; actual policy terms are not stated. Simply Business: protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. 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
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 4,5
Read the Simply Business profile
Read the Simply Business Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 7,8,9,10
Key Differences in Professional Liability (E&O) Insurance
Quote shopping and binding
Simply Business describes an online flow to answer business questions, compare quotes and select a policy; its terms say a quote is not guaranteed and binding requires panel approval. Aon describes a professional-services placement practice. Ask when a proposal becomes bound and who confirms coverage. 3 6
Different stated buyer examples
Aon identifies law, accounting and consulting firms; Simply Business names consultants, IT professionals, real-estate agents and bookkeepers as examples for which it can find E&O. Match your profession to each provider’s stated audience and verify underwriting eligibility before relying on an example. 3 6
What the coverage descriptions enumerate
Simply Business lists attorney fees, court costs, settlements and judgments among costs tied to claims about professional work. Aon says it tailors professional-liability structures without enumerating covered costs in its summary. Compare those categories with the policy language in each quote. 3 6
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Aon to confirm the quoted policy form, retroactive date and covered allegations; its offering says professional liability as addressing professional-services firms’ liability exposure and says it tailors coverage structures to a firm’s needs. It identifies E&O as a commonly used name for professional-liability insurance; actual policy terms are not stated. 3
- Ask Simply Business to confirm the quoted policy form, retroactive date and covered allegations; its offering says protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. 6
Aon and Simply Business 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 reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsAon vs Simply Business Professional Liability (E&O) Insurance Compared
Aon vs Simply Business: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Aon Professional Liability / E&O brokerage and risk-advisory offering | Professional liability (E&O) insurance through Simply Business |
|---|---|---|
| Role in This Line | Aon presents Professional Liability / E&O as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. 3Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| Who It’s For | Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. 3Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | Simply Business lists consultants, IT professionals, real-estate agents and bookkeepers among the business examples for which it can help find E&O coverage. The examples do not guarantee eligibility. 6Company-reported. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Aon describes professional liability as addressing professional-services firms’ liability exposure and says it tailors coverage structures to a firm’s needs. It identifies E&O as a commonly used name for professional-liability insurance; actual policy terms are not stated. 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. | The page describes protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. 6Company-reported. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. | Confirm in your quote. |
| Risk Services | Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. 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. | The company describes an online flow to answer business questions, compare quotes and select a policy. Its Terms say an online quote is not guaranteed and binding requires panel-member approval. 6,5Company-reported. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Aon vs Simply Business Professional Liability (E&O)
Professional Liability (E&O) Pages for Aon and Simply Business
Other Coverage Lines Compared for Aon vs Simply Business
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for Aon vs Simply Business
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.
- Professional Services Practice. Aon; Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. Accessed 2026-09-30.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Professional Liability Insurance Coverage. Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. Accessed 2026-09-29.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
