--- title: "Aon Broker Reliability Evidence" description: "Evidence and scope for Aon’s broker reliability review; no numeric Spot Score is proposed." canonical: "https://spot.insure/insurance-providers/aon/reliability" page-type: "reliability-article" updated-at: "2026-09-29" --- 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/insurance-providers/aon/reliability) # Aon Broker Reliability Evidence Evidence and scope for Aon’s broker reliability review; no numeric Spot Score is proposed. ## Assessment - **Role:** Broker - **Scope:** Aon’s U.S. commercial brokerage, as described in company-published U.S. Commercial Risk terms for certain programs and group-level marketing. This brand-level review does not assess a named producer entity, insurer, or individual placement. **Assessed provider: Aon. Scope: Aon’s U.S. commercial brokerage, as described in company-published U.S. Commercial Risk terms for certain programs and group-level marketing. This brand-level review does not assess a named producer entity, insurer, or individual placement.** Aon is unrated. The reviewed evidence does not establish a current named carrier network or a complete conduct assessment for the stated brokerage scope. - **Broker Spot Score:** **Not Rated** - **Subject:** Assessed provider: Aon. Scope: Aon’s U.S. commercial brokerage, as described in company-published U.S. Commercial Risk terms for certain programs and group-level marketing. This brand-level review does not assess a named producer entity, insurer, or individual placement. - **Role:** Broker - **Scope:** Aon’s U.S. commercial brokerage, as described in company-published U.S. Commercial Risk terms for certain programs and group-level marketing. This brand-level review does not assess a named producer entity, insurer, or individual placement. - **Assessed:** 2026-09-29 - **Review due:** 2026-10-29 - **Factor basis:** No current numerical score. Excluded: Identity and Authority; Carrier-Network Strength; Regulatory Conduct; Disclosure Clarity. - **Methodology:** [How we calculate the Spot Score](/spot-rating) - **Provider profile:** [Aon](/insurance-providers/aon) ## Research summary ### Role and entity scope Aon’s U.S. brokerage terms say it acts as broker of record for certain programs and describe application assistance and client instructions to bind. The terms do not identify the producing entity or issuer for an individual placement. [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 plc is the Irish parent. Aon Risk Services Companies, Inc. is named in electronic-delivery terms for itself and licensed brokerage subsidiaries; no specific placement is mapped to it. [Aon plc Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/315293/000162828026008116/aon-20251231.htm), [Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms) ### Authority disclosure Aon’s own electronic-delivery terms refer to licensed brokerage subsidiaries. The reviewed terms do not map a producing entity or jurisdiction-specific authority to an individual placement. [Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-electronic-disclosure-and-consent-terms) ### Insurer network The terms say Aon consults with clients about insurers to approach and program options, but the reviewed materials do not identify a current named carrier roster or placement-linked insurer relationship. [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) ### Conduct evidence boundary The reviewed conduct evidence is incomplete; it supports neither a clean-record nor an adverse finding. [Florida Administrative Orders](https://www.doah.state.fl.us/FLAIO/) ### Compensation and claims notice Aon’s terms say compensation may come from insurers or third parties, may vary, and may include contingent incentives. They also assign insurer claim notice to the client unless separately agreed in writing. These are general terms and do not state placement-specific compensation or service responsibilities. [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) ## Licenses and authority No license records are included in this assessment. ## Jurisdiction searches No jurisdiction searches are recorded. ## Rating dimensions ### Broker Spot Score No numerical factor breakdown is published for the Broker Spot Score. ## Evidence gaps - The reviewed terms do not identify the producing entity or insurer for an individual placement. - The reviewed materials do not identify a current named carrier roster or placement-linked insurer relationship. - The reviewed conduct evidence is incomplete; it supports neither a clean-record nor an adverse finding. - Placement-specific compensation, conflict handling, and claim-notice responsibilities are not established. ## Related terms No published related terms are recorded. ## Sources - [Florida Administrative Orders](https://www.doah.state.fl.us/FLAIO/) — Florida Division of Administrative Hearings; Historical conduct-source context: the portal describes agency-order and DOAH case search paths. No Aon-specific outcome is asserted from this source.; accessed 2026-09-28. - [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. - [Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms](https://www.aon.com/en/about/leadership-and-governance/aon-commercial-risk-us-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](https://www.sec.gov/Archives/edgar/data/315293/000162828026008116/aon-20251231.htm) — 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/aon/reliability.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)