What Is Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 1,2
What Is 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. 4,5,6
Read the USI Insurance Services profile
Read the USI Insurance Services Workers’ Compensation Insurance page
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 10,11,12,13
Key Differences in Workers’ Compensation Insurance
Construction Practice and Middle-Market Advisory
Aon describes a global construction practice serving contractors, owners, engineers and project participants. USI Insurance Services places workers’ comp across property and casualty, private equity and healthcare practices, with its P&C group serving middle-market clients. A construction buyer can compare Aon’s sector framing with USI Insurance Services’s middle-market and specialist routes. 3 7
Claims Analysis and Safety Work
USI Insurance Services cites a case where its team analyzed workers’ comp claim trends, ran ergonomics and environmental studies, then helped implement new safety procedures within 90 days. Aon describes project risk advice but no workers’ comp case example. USI Insurance Services’s reported outcome is company-reported; ask what similar analysis is available for the account. 3 7
Engagement and Carrier
USI Insurance Services directs inquiries to its P&C email or a local office; Aon describes global broking without a specific quote route. Neither record names the eventual insurer. Request carrier identity and who will manage claims support. 3 7
What to Confirm in Workers’ Compensation Insurance Quotes
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 reviewsUSI Insurance Services
Review Score
1 rated source
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.[4][6][8]
Read USI Insurance Services reviewsOffering Details
Aon vs USI Insurance Services: Workers’ Compensation Insurance: documented features by provider
| Criteria | Aon Workers’ Compensation brokerage and risk-advisory offering | USI Workers' Compensation Brokerage |
|---|---|---|
| Role in This Line | Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For workers’ compensation, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. 3Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement. | USI is a broker for workers' compensation insurance. It advises on and places coverage across its property & casualty, private equity and healthcare practices rather than underwriting the risk itself. 7,8,9Company-reported. Property & Casualty, Private Equity and Healthcare practice pages. |
| 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. | None of the reviewed pages names the insurer USI uses for workers' compensation placements. 7Not publicly disclosed. Pages as read on 2026-09-23. |
| Who It’s For | Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. 3Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement. | USI's property & casualty team serves middle-market clients broadly; its Private Equity practice separately handles workers' compensation for portfolio companies of financial and strategic buyers, and its Healthcare practice covers hospitals, physician groups and related facilities. 7,8,9Company-reported. Company description of client segments for each practice. |
| Coverage Features | Aon lists Workers’ Compensation Insurance among the construction coverage areas it brokers. The page does not describe state-specific statutory benefits, employer-liability terms or how a buyer’s policy responds. 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. | USI lists Workers' Compensation among the risk exposures its property & casualty team advises on, and separately among the specialty coverages its Healthcare practice places. 7,9Company-reported. Catalogue listings; actual insuring agreements and state-specific requirements are set by the issued policy. |
| 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. | None of the reviewed pages publishes workers' compensation limit or experience-modifier target figures beyond the outcome of one named case study. 7Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. 3Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated. | USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. 8Company-reported. Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account. |
| How to Apply | Confirm in your quote. | USI directs workers' compensation inquiries to pcinquiries@usi.com or a local USI office. 7,8,9Company-reported. Contact instructions on the Property & Casualty, Private Equity and Healthcare pages. |
Full Comparison
More Aon vs USI Insurance Services Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Construction and Infrastructure Insurance and Risk Management. Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. Accessed 2026-09-30.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as Workers' Compensation...; casualty analysts...claim advocates...risk control specialists... Accessed 2026-09-23.
- Private Equity. USI Insurance Services; CASE STUDY: USI's Workers' Compensation Claim Analysis and Safety Improvements Save Manufacturer $1.2 Million. Accessed 2026-09-23.
- Healthcare. USI Insurance Services; USI's Healthcare Practice offers specialty coverages...including...Workers' Compensation Insurance... Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
