--- title: "Aon vs USI Insurance Services: Cyber Insurance" description: "USI names PrivaSafe cyber coverage across three cost groups; Aon describes cyber broking and review of varying carrier terms." canonical: "https://spot.insure/compare/aon-vs-usi/cyber" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aon-vs-usi" provider-a: "aon" provider-b: "usi" coverage-line: "cyber" --- 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-usi/cyber) ## Agent Guide **What this page is:** Focused comparison of Aon and USI Insurance Services for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Cyber Insurance questions about Aon versus USI Insurance Services. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Aon vs USI Insurance Services for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Aon or USI Insurance Services? - What does Aon or USI Insurance Services publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from Aon or USI Insurance Services? **Key facts:** - Line: Cyber Insurance. Providers: Aon and USI Insurance Services. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Aon vs USI Insurance Services](https://spot.insure/compare/aon-vs-usi) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [Aon vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/aon-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Crime Insurance](https://spot.insure/compare/aon-vs-usi/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aon-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aon-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Cyber Insurance](https://spot.insure/compare/aig-vs-aon/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/aig-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Aon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) # Aon vs USI Insurance Services: How Do They Compare for Cyber Insurance? USI names PrivaSafe cyber coverage across three cost groups; Aon describes cyber broking and review of varying carrier terms. ## Research Scope and Use Use this comparison to evaluate Aon and USI Insurance Services for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary USI describes PrivaSafe liability, compliance and direct costs; Aon describes cyber brokerage and placement review. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") ## 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](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/capabilities/middle-market-clients "Middle Market Clients") [Aon profile](https://spot.insure/insurance-providers/aon) ## What Is USI Insurance Services? USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [4](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Cyber Insurance? Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [10](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## Key Differences in Cyber Insurance ### Manuscripted Form and Loss Categories USI describes PrivaSafe as a manuscripted form for liability, compliance and corrective costs, and direct losses such as interruption, extortion and cyber crime. Aon describes cyber insurance as broker-arranged risk financing and says policy terms vary. Ask USI to map its categories to the wording; ask Aon for the selected carrier’s comparable grants. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") ### Carrier and Response Arrangements Aon describes claims preparation and relationships with third-party response providers, whose contracts are separate and may involve referral remuneration. USI says it does not underwrite PrivaSafe and that carriers vary by placement. Your quote should identify the insurer, response contacts and any separate service agreements. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") ## What to Confirm in Cyber Insurance Quotes - Ask USI which carrier issues PrivaSafe and what sublimits apply to interruption and cyber crime; ask Aon to disclose responder contracts and any referral compensation. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") ## Offering Details | Criteria | Aon Cyber brokerage and risk-advisory offering | USI PrivaSafe Cyber and Privacy Liability Program | | --- | --- | --- | | Role in This Line | Aon describes cyber insurance brokerage and risk-advisory services. It is not identified as the risk-bearing insurer, and the global page does not name the carrier for a particular placement. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance..) | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages..) | | Issuing Insurer | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Not found in reviewed sources; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available..) | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Not publicly disclosed; scope: PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found..) | | Who It’s For | Aon describes cyber services for organizations managing cyber risk. Its global practice page does not publish a complete industry, revenue, security-control or state-by-state eligibility schedule. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state..) | USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page marketing description, not an underwriting appetite statement..) | | Coverage Features | Aon describes cyber insurance as one part of cyber risk financing and says it reviews policy offerings because terms and conditions vary. For professional-services firms, it discusses coordinating cyber and professional-liability coverage. This is brokerage guidance and does not establish the terms of any cyber policy. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control..) | USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form..) | | Limits and Retentions | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Not publicly disclosed; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed..) | USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations..) | | Risk Services | Aon describes cyber claims advocacy and preparation and relationships with third-party incident-response providers. The retained official source notes that provider contracts are separate, no performance guarantee is made, and referral remuneration may occur; confirm the providers, scope and compensation applicable to a client. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Company-reported brokerage and advisory services. Account-specific service terms are not stated..) | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [8](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Program page and property-casualty practice team description..) | | How to Apply | Confirm in your quote. | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. [7](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description..) | ## Full Comparison - [Aon vs USI Insurance Services](https://spot.insure/compare/aon-vs-usi): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [Aon vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/aon-vs-usi/commercial-property) - [Aon vs USI Insurance Services Crime Insurance](https://spot.insure/compare/aon-vs-usi/crime) - [Aon vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aon-vs-usi/directors-officers) - [Aon vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-usi/employment-practices) - [Aon vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-usi/fiduciary) - [Aon vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aon-vs-usi/management-liability) - [Aon vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-usi/workers-compensation) - [AIG vs Aon Cyber Insurance](https://spot.insure/compare/aig-vs-aon/cyber) - [AIG vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/aig-vs-usi/cyber) - [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) - [Alliance Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-usi/cyber) - [Amelia Risk vs Aon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-aon/cyber) - [Amelia Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-usi/cyber) ## Sources ### Aon 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. [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. 3. [Cyber Risk](https://www.aon.com/en/capabilities/cyber-resilience). Aon; Global cyber risk financing/insurance overview and brokerage practice; claims preparation and advocacy, incident response providers and referral remuneration disclosures, lines 194–230 as retained in Aon’s official source record; Professional Services Practice cyber cross-reference, lines 151–156.. Accessed 2026-09-30. ### USI Insurance Services 4. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 5. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe.... Accessed 2026-09-23. 6. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 7. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy.... Accessed 2026-09-23. 8. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. Accessed 2026-09-23. ### Cyber Insurance Guide 9. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16. 10. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## 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). ## USI Insurance Services Reviews Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aon-vs-usi/cyber.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)