---
title: "Aon vs Zurich U.S.: Umbrella and Excess Liability Insurance"
description: "Zurich U.S. describes Coverage A follow-form excess, Coverage B lead umbrella, and up to $250,000 in crisis expenses; Aon describes construction brokerage and risk advice."
canonical: "https://spot.insure/compare/aon-vs-zurich/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-zurich"
provider-a: "aon"
provider-b: "zurich"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-zurich/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Aon and Zurich U.S. for Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance questions about Aon versus Zurich U.S.. 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 Zurich U.S. for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Aon or Zurich U.S.?
- What does Aon or Zurich U.S. publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Aon or Zurich U.S.?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Aon and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/aon-vs-zurich) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Aon vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Crime Insurance](https://spot.insure/compare/aon-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/aon-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. D&O Insurance](https://spot.insure/compare/aon-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/aon-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/aon-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-kinro/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Aon vs Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?

Zurich U.S. describes Coverage A follow-form excess, Coverage B lead umbrella, and up to $250,000 in crisis expenses; Aon describes construction brokerage and risk advice.

## Research Scope and Use

Use this comparison to evaluate Aon and Zurich U.S. for Umbrella and Excess Liability 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

Zurich U.S. describes Coverage A follow-form excess, Coverage B lead umbrella, and up to $250,000 in crisis expenses; Aon describes construction brokerage and risk advice. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## 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)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [4](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [5](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") [11](https://kinro.com/products "Products")

## Key Differences in Umbrella and Excess Liability Insurance

### Zurich U.S.’s named umbrella structure

Aon lists umbrella and excess separately within construction liability and describes project risk advice, but gives no attachment terms. Zurich U.S. describes Commercial Umbrella as Coverage A follow-form excess plus Coverage B lead umbrella liability. Buyers can compare the named Zurich U.S. structure with the policy form Aon proposes for the account. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

### Crisis expense and high limits

Zurich U.S. describes Coverage C reimbursing emergency expenses up to $250,000 and a joint claims-made excess facility up to $100 million. Aon’s page does not publish limits. Those amounts are attached to Zurich U.S.’s described offerings; confirm which product is available and how it attaches to the construction account. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

### Advisory versus product details

Aon describes project risk-advisory services to develop risk-transfer and mitigation strategies. Zurich U.S. provides specific product structures but the record does not establish account eligibility. Ask Aon which market it would approach and Zurich U.S. whether the stated features fit the project and underlying policies. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Zurich U.S. which umbrella or facility applies, including Coverage C availability, limit and attachment terms. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") 
- Ask Aon for the proposed carrier, form, limit and attachment point. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")  [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## Offering Details

| Criteria | Aon Umbrella and Excess Liability brokerage and risk-advisory offering | Zurich Commercial Umbrella and Excess Liability |
| --- | --- | --- |
| 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 umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not found in reviewed sources; scope: 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 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | Confirm in your quote. |
| Coverage Features | Aon lists Umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: 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..) | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | Confirm in your quote. |

## Full Comparison

- [Aon vs Zurich U.S.](https://spot.insure/compare/aon-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Aon vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-auto)
- [Aon vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-property)
- [Aon vs Zurich U.S. Crime Insurance](https://spot.insure/compare/aon-vs-zurich/crime)
- [Aon vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/aon-vs-zurich/cyber)
- [Aon vs Zurich U.S. D&O Insurance](https://spot.insure/compare/aon-vs-zurich/directors-officers)
- [Aon vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-zurich/employment-practices)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary)
- [Aon vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/aon-vs-zurich/general-liability)
- [Aon vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/aon-vs-zurich/management-liability)
- [Aon vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-zurich/workers-compensation)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess)
- [Aon vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-kinro/umbrella-excess)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess)
- [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess)
- [Aon vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-mylo/umbrella-excess)
- [Aon vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-nationwide/umbrella-excess)

## 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. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/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.

### Zurich U.S.

4. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
5. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
6. [Commercial Umbrella Insurance Coverage | Zurich Insurance](https://www.zurichna.com/insurance/umbrella). Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.

### Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
9. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
11. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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).

## Zurich U.S. Reviews

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-zurich/umbrella-excess.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)