Aon vs 
TechInsurance
Aon describes broker-led program advice for selected commercial accounts; TechInsurance is an agency and brokerage for small businesses, including technology firms, with a single-application quote comparison and licensed-agent guidance. Choose the route that matches your account scale and desired application process. Ask who the producer and insurer are and what service or compensation terms apply to the final policy. 1,4,17,16
Introduction
Aon describes a consultative placement relationship for selected commercial programs. TechInsurance is an agency and brokerage that markets to small businesses, including software developers, SaaS companies and IT consultants, and describes one application for comparing quotes. The practical distinction is between broker-led program strategy and an online small-business comparison supported by licensed agents. 1 17
Coverage Comparison
| Coverage | Aon | TechInsurance |
|---|---|---|
| Builders risk | Listed 14Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement. | Not listed |
| Business owner’s policy | Not listed | Listed 20TechInsurance arranges business owner’s policies for small businesses. |
| Cargo and transit | Listed 9Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page. | Not listed |
| Commercial auto | Listed 6Aon 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. | Listed 15TechInsurance arranges commercial auto insurance for small businesses. |
| Commercial property | Listed 8Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. | Listed 20TechInsurance arranges commercial property insurance for small businesses. |
| Crime | Listed 6Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. | Not listed |
| Cyber liability | Listed 7,6Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. | Listed 20TechInsurance arranges cyber insurance for small businesses. |
| Directors and officers | Listed 5Aon 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. | Listed 20TechInsurance arranges directors and officers liability insurance for small businesses. |
| Employment practices liability | Listed 6Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. | Listed 20TechInsurance arranges employment practices liability insurance for small businesses. |
| Fidelity bonds | Not listed | Listed 20TechInsurance arranges fidelity bonds addressing employee theft from clients. |
| Fiduciary liability | Listed 6Aon 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. | Not listed |
| General liability | Listed 14Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. | Listed 20TechInsurance arranges general liability insurance for small businesses. |
| Kidnap and ransom | Listed 6Aon 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. | Not listed |
| Management liability | Listed 6Aon 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. | Not listed |
| Professional errors and omissions (E&O) | Listed 6Aon 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. | Listed 20TechInsurance arranges professional errors and omissions insurance for small businesses. |
| Surety bonds | Listed 10Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability. | Listed 17TechInsurance arranges surety bonds for small businesses. |
| Technology errors and omissions (E&O) | Not listed | Listed 21TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. |
| Tools, equipment and inland marine | Not listed | Listed 22TechInsurance arranges inland marine coverage for contractors’ tools and equipment. |
| Umbrella and excess liability | Listed 14Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction. | Listed 20TechInsurance arranges commercial umbrella insurance for small businesses. |
| Workers’ compensation | Listed 14Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. | Listed 20TechInsurance arranges workers’ compensation insurance for small businesses. |
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.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Aon
BrokerBroker
6.7/ 10Assessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.
TechInsurance
BrokerBroker
5.0/ 10Assessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.
Review Scores
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
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 reviewsTechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsKey Differences Between Aon and TechInsurance
Application and policy servicing
Aon says it discusses insurers and program strategy and helps prepare applications for certain programs. TechInsurance describes one application followed by comparison of multiple quotes, agent guidance and online policy management. It also says customers can request certificates through their account and contact an account manager for urgent requests. Ask which insurers are actually available for your risk and whether the described servicing tools apply to the specific policy. 1 16 15
Claims, producer identity and fees
TechInsurance generally directs claims to the insurance carrier and says agents can help locate policy information; that is different from adjusting a claim. Aon’s selected-program terms say clients must notify insurers unless a separate agreement changes the duty. TechInsurance operates as a division of Specialty Program Group and points buyers to an SPG compensation disclosure that permits commissions and possible client fees. Aon likewise describes variable and potential contingent compensation. 25 1 17 23 1
What to Confirm in Quotes
Ask TechInsurance which SPG entity is the producer, which carrier issued each quote, whether account-manager and certificate services apply to your policy, and whether a buyer fee accompanies insurer commission. Ask Aon for the selected-program scope, written service obligations and compensation. Compare exact policy terms, not quote counts.
Compare Services
What each provider documents about the services you may need
| Criteria | Aon | TechInsurance |
|---|---|---|
| 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. 1,2Company-reported. 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. | Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. 17,23,24Company-reported. Brand and disclosed producer entity; company sources, not independent regulatory verification. TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. 16,17,26Company-reported. Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer. |
| 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. 1Company-reported. 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. | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. 16Company-reported. Public application description; no application submitted or quote obtained. TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. 17Company-reported. Public quote-account instructions; no universal turnaround time established. |
| 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. 1Company-reported. Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement. | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. 15,17Company-reported. Documented service description, not tested service speed or quality. The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. 16,17Not publicly disclosed. Scoped public-information gap; does not establish that these services are unavailable. |
| 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. 1,5,7Company-reported. 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. | TechInsurance’s claims guidance generally directs customers to the insurance carrier. It says its agents can help locate policy information or the insurer’s contact details; it does not establish that TechInsurance adjusts claims or guarantees an outcome. 25Company-reported. Educational claims instructions used only for the explicitly described agent-contact service, not evidence of coverage or claims quality. |
| 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. 1Company-reported. 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. | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. 23,24Company-reported. Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement. SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. 24Company-reported. Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account. |
Related Reading
Sources
Aon Official Website
- 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.
- Aon Commercial Risk U.S. 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.
- Aon plc Form 10-K for the year ended December 31, 2025. 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.
- 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.
- Directors’ and Officers’ (D&O) 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.
- Professional Services Practice | Insurance Broking & Risk Management. 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.
- Cyber Risk. 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.
- 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.
- 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.
- 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.
- About | Aon. 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.
- Broking and Risk Transfer | Aon. 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.
- Financial and Executive Risks | Insurance Broking & Risk Management. 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.
- 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.
TechInsurance Official Website
- Technology Business Insurance. TechInsurance; Top business insurance policies (including the Commercial auto insurance card); proof of insurance and expert advice; footer. Accessed 2026-09-16.
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Insurance Licensing. TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
- Small Business Insurance in California. TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
- Small Business Insurance. TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Our Insurance Partners. TechInsurance; Named provider sections; More key policies our dedicated providers offer (including Contractor’s tools and equipment insurance); Professions we insure. Accessed 2026-09-16.
- Compensation Disclosure Notice. TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
- Compensation Disclosure. Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
- How Do I File a Business Insurance Claim? TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
- Hub International and Bold Penguin to Acquire Insureon. HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.
