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Switch from Aon

Moving your insurance program from Aon? Compare brokers with Spot

Aon handles US commercial risk programs through several entities, so your Spot team first maps which entity services each policy, then helps you compare brokers before any change.

Get StartedHow It Works
  • Each Aon entity and policy mapped before you move
  • Whole or partial program moves planned
  • Brokers compared on middle-market experience
A business owner meets a new broker across a compact walnut table, passing an orderly document case while a colleague listens.

How it works

Tell us which entity services what

Send your broker agreement and policy documents. Aon’s placement entities and insurers vary by policy, so your Spot team records which one applies to each.

Maple Street Co.Organized by Spot

Review the program against your obligations

We read your leases, credit agreements and customer contracts against general liability, property, workers’ compensation, cyber, directors and officers, umbrella and auto.

General liability insurance

Maple Street Co. · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Compare other brokers

Spot works alongside brokers. We help you question each candidate about the markets it would use, its mid-sized client experience and who services accounts.

# spot-support

AlexMaple Street Co.

Can we explore other brokers for our general liability insurance?

RileySpot

Let’s review the information and discuss the next steps with your broker.

Plan the handover

Your Spot team helps you decide whether to move everything at once or by line, and whether to use a broker of record letter or renewal dates.

AlexMaple Street Co.

Can we explore other brokers for our general liability insurance?

Let’s review the information and discuss the next steps with your broker.

General liability insurance policy

Coverage terms · Limits

Moving from Aon

Aon describes US commercial risk brokerage for certain programs and a dedicated Middle Market practice for mid-sized organizations across North America. Placement entities and insurers vary by policy. The reviewed page states no numerical size cutoff or US-only eligibility rule.

Why businesses consider switching

  • 01

    Your company outgrew or shrank its tier

    A change in revenue or headcount can make a different size of broker a better fit.

  • 02

    You want one coordinated program

    Several lines placed at different times can drift apart in structure and renewal dates.

  • 03

    You need a particular line handled

    A specialist broker for one exposure sometimes complements a general program.

  • 04

    Your contracts changed

    A new credit facility or customer agreement can demand limits or wording your current program lacks.

How to switch without a gap

  • 01

    Read the brokerage terms

    Aon’s terms describe its role and the client’s responsibility to notify insurers directly. Check what notice and handover terms apply to you.

  • 02

    Request proposals ahead of renewal

    Ask other brokers how they would structure the program and which insurers they would approach.

  • 03

    Choose a letter or renewal, line by line

    Large programs sometimes split by line or entity. Decide for each policy when servicing moves.

  • 04

    Keep claims and notices covered

    Until servicing transfers, confirm who receives claim notices. Then reissue certificates and update contacts on every contract.

Coverage to consider

  • General liability

    Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.

    Get quotes

  • Workers’ compensation

    Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.

    Get quotes

  • Commercial property

    Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.

    Get quotes

  • Cyber liability

    Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.

    Get quotes

  • Directors and officers

    Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.

    Get quotes

  • Professional errors and omissions (E&O)

    Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.

    Get quotes

  • Umbrella and excess liability

    Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.

    Get quotes

  • Commercial auto

    Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.

    Get quotes

Common questions

Which Aon entity placed my policy?

Placement entities vary by policy. Your policy documents and broker agreement name the entity, and your Spot team records it so a new broker knows exactly which relationships it takes over.

Can I move only part of my program?

Often. Large programs sometimes split by line or entity. Your Spot team lists every policy and who services it, so a partial move is planned rather than discovered.

Has Aon authorized this page?

No. Spot isn’t affiliated with Aon, and Aon hasn’t reviewed or endorsed anything written here.

Who gives notice of a claim during the move?

Aon’s terms say the client notifies insurers directly unless a separate signed agreement says otherwise. Your Spot team keeps a list of notice instructions so a claim during the handover isn’t missed.

Is Spot paid by insurers like a broker?

No. Spot doesn’t collect commissions on premiums and works alongside whichever broker you choose.

Related

Get insurance off your to-do list.

Aon handles US commercial risk programs through several entities, so your Spot team first maps which entity services each policy, then helps you compare brokers before any change.

Get Started

Learn more before you switch providers

Read these before you choose a policy or an insurer.

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