Insurance provider

Is Aon Legit? Licensing, Carriers and Reliability

Aon has a Broker Reliability Score of 6.7/10, a partial score covering only the factors with sufficient evidence. Reliability Scores assess documented reliability within the reviewed scope; they do not predict claims payment.

Aon Broker Reliability Score

6.7/ 10

This partial Broker Reliability Score covers licensing and authority, regulatory record and how clearly it explains its terms. It uses 70% of the rubric's factor weighting, normalized to a ten-point scale. Anything without enough evidence is left out, not scored as zero.

Assessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.

Partial score — 70% of this rubric’s factor weighting. Excluded: Carrier-Network Strength

Assessed 2026-09-29 · Review due 2026-10-29

How the score is calculated

Factor	Weight	Included	Score	Basis
Identity and Authority	30%	42.9%normalized	2.5 / 4	[3][1][9][11][6][7][8][10][2][12][4][5]
Carrier-Network Strength	30%	—	Excluded	The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Aon UK Limited's FCA number and permissions are company-reported.; No NAIC, NIPR or other state producer search was completed for Aon's U.S. entities beyond the two Texas orders; current status of those Texas licenses was not re-checked.; Aon does not publish a named list of insurers behind its placements, so the network view rests on its concentration statement.; The Central Bank of Ireland, Lloyd's and other state enforcement records were not searched exhaustively.; Placement-specific compensation is not published; only the general categories are.
Regulatory Conduct	25%	35.7%normalized	2.7 / 4	[3][1][9][11][6][7][8][10][2][12][4][5]
Disclosure Clarity	15%	21.4%normalized	3.0 / 4	[3][1][9][11][6][7][8][10][2][12][4][5]

Included weights are normalized over the supported factors.

What Evidence Supports Spot’s Assessment of Aon?

Role: Broker. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.

Aon Role and entity scope

Aon acts as your broker, not your insurer. Its U.S. terms say it is broker of record for certain programs, helps prepare applications, takes your instruction before it binds cover and administers the account with insurers.[1]

The parent, Aon plc, is incorporated in Ireland. The 10-K says its subsidiaries hold the licenses, so the company that places your policy depends on the country and the office. Aon's Global Broking Centres are wholesale desks run through Aon UK Limited, and regulated dealings with you stay with your local Aon office.[3][7]

Aon Licensing and regulators

Aon says it is licensed as an insurance producer, broker, agent, reinsurance broker or managing general agent in the places that require it, and that regulators such as the FCA in the U.K. and federal and state agencies in the U.S. enforce this. It also says client premiums and claim money held for others must be kept apart under U.K. and U.S. rules.[3]

In the U.K., Aon UK Limited states it is FCA-authorised (310451) and Companies House shows it as an active company. In Ireland, the Central Bank of Ireland register lists Aon Ireland Limited (C1298) as a registered insurance intermediary. In the U.S., Texas Department of Insurance orders show two Aon brokerage entities hold Texas surplus lines licenses (19920 and 9267). The FCA register could not be loaded, so the U.K. license is company-reported, and no NAIC or NIPR search was completed for the other states.[6][8][9][11][12]

Aon Insurer relationships

Aon says it places insurance with many insurers and that none accounted for more than 10% of the premium it placed in 2025. Its largest single client was about 1% of revenue. That shows a broad market, not which insurers back a given policy. The U.S. terms say Aon consults you on which insurers to approach, and the insurer on your policy is named in your proposal and binder.[3][1]

Aon Regulatory record

Regulators have acted against Aon entities. In 2009 the U.K. regulator fined Aon Limited GBP 5.25 million for weak controls on payments to overseas third parties (2005 to 2007). In 2011 Aon settled with the U.S. DOJ and SEC for about USD 16.3 million over overseas payments made between 1983 and 2007. These are old and were resolved, and Aon says it rebuilt its anti-corruption program.[4][5]

More recently, Texas consent orders in September 2024 fined two Aon brokerage entities USD 2,425 and USD 7,750 for filing surplus lines policies late in 2023. The Southwest order lists five earlier Texas orders for the same rule. These are filing-timeliness penalties, not findings about client money or advice.[11][12]

Aon's 2025 10-K also describes lawsuits over a 2016 plane crash and over reinsurance letters of credit tied to Vesttoo, plus a 2023 USD 197 million charge for related settlements. A Clear Blue suit over those letters was dismissed with prejudice on 26 September 2025; a Vesttoo trust suit against Aon was pending. These are civil claims, and none is a regulator finding.[3]

This search covered the FCA, the U.S. SEC and DOJ, Texas and company filings. It did not cover every state, the Central Bank of Ireland enforcement list or Lloyd's, so it is not a complete conduct record.[3]

Aon Pay and conflicts

Aon's U.S. terms say the insurer or another third party pays its commission, which can vary with the insurer you pick. It may also receive contingent commissions, overrides, bonus and wholesale commissions and referral fees. You can ask for details. Its 10-K calls insurer-paid market-derived income a potential conflict of interest that regulators may scrutinize. The terms say Aon will tell you and seek agreement if it finds a conflict it cannot manage.[1][3]

For global placements, Aon says you can ask your local Aon office for details of any additional remuneration. The terms make you responsible for telling your insurer about a claim unless you agree otherwise in writing.[7][1]

Evidence Gaps in Spot’s Review of Aon

The FCA register could not be loaded, so Aon UK Limited's FCA number and permissions are company-reported.
No NAIC, NIPR or other state producer search was completed for Aon's U.S. entities beyond the two Texas orders; current status of those Texas licenses was not re-checked.
Aon does not publish a named list of insurers behind its placements, so the network view rests on its concentration statement.
The Central Bank of Ireland, Lloyd's and other state enforcement records were not searched exhaustively.
Placement-specific compensation is not published; only the general categories are.

Jurisdiction Searches Run for Aon

Jurisdiction	Result	Notes
UKUnited Kingdom (FCA, Companies House)	Company-reported disclosure[6][8][4]	Aon UK Limited's FCA number (310451) is stated by Aon and Companies House shows the company as active. The FCA register page would not load. The FCA's 2009 Final Notice to Aon Limited was read in full.
I(Ireland (Central Bank Of Ireland)	Verified regulator result[9][10]	Aon Ireland Limited (C1298) is on the register as an insurance intermediary. No enforcement action was shown on the profile page.
T(Texas (TDI)	Verified regulator result[11][12]	Two 2024 consent orders name Aon brokerage entities as surplus lines license holders and record late filings and small penalties.
USUnited States (SEC And DOJ)	Company-reported disclosure[5][3]	The 2011 SEC and DOJ settlement is described in Aon's own release. Litigation and contingencies come from the 2025 Form 10-K.
OUOther U.S. States (NIPR, NAIC, Florida)	Not researched	No state-by-state producer or enforcement search was completed.
LLloyd'S	Not researched	Lloyd's broker status was not verified.

Aon Licenses and Authority Records

These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.

Entity and jurisdiction	Identifier	License class and authority
Aon UK LimitedUKUnited Kingdom (FCA)	State license: FCA 310451[6][7]	FCA authorisation for insurance distribution and pensions activities, as stated by Aon; the FCA register page could not be loaded; Financial Conduct Authority
Aon Ireland LimitedI(Ireland (Central Bank Of Ireland)	State license: C1298[9]	Registered insurance, reinsurance or ancillary insurance intermediary; also authorised investment business firm; Central Bank of Ireland
Aon Belgium B.V.B(Belgium (FSMA) And UK Branch (FCA)	State license: FSMA 013982; FCA 972556[7]	Insurance intermediary registration and FCA-regulated UK branch, as stated by Aon; FSMA (Belgium); FCA (UK branch)
Aon Risk Services Northeast, Inc.Texas	Surplus-lines identifier: 19920[11]	Surplus lines agent license, as recorded in the regulator's consent order of 2024-09-17; current status not re-checked; Texas Department of Insurance
Aon Risk Services Southwest Inc.Texas	Surplus-lines identifier: 9267[12]	Surplus lines agent license, as recorded in the regulator's consent order of 2024-09-20; current status not re-checked; Texas Department of Insurance

Sources for Aon Reliability Research

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.
Aon Commercial Risk U.S. 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. 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.
FSA Final Notice to Aon Limited, 6 January 2009. UK Financial Services Authority (now FCA); Sections 1.1-2.3: GBP 5.25 million penalty on Aon Limited for weak anti-bribery systems and controls on payments to overseas third parties, 14 January 2005 to 30 September 2007. Historical UK regulatory action; older than five years. Accessed 2026-09-29.
Aon Confirms Settlement Agreements with DOJ and SEC. Aon; Company release of 20 December 2011: about USD 16.3 million settlement with the US DOJ (non-prosecution agreement, USD 1.76 million) and SEC (about USD 14.55 million) over overseas payments 1983-2007, and a reference to Aon Limited's earlier settlement with the UK regulator. Company-published account of a historical enforcement matter. Accessed 2026-09-29.
Aon in United Kingdom. Aon; Footer: Aon UK Limited is authorised and regulated by the Financial Conduct Authority, registered number 310451. Company-reported; the FCA register itself could not be loaded (it needs JavaScript). Accessed 2026-09-29.
Additional Provisions regarding programs placed by the Global Broking Centres. Aon; Placing entities Aon UK Limited (FCA 310451) and Aon Belgium B.V. (FSMA insurance intermediaries register 013982; UK branch FCA 972556); wholesale role taking instructions from the local Aon office; regulated activity in the client's jurisdiction is done by the local office; client may ask for details of additional remuneration. Company-reported. Accessed 2026-09-29.
AON UK LIMITED company overview. Companies House (UK); Company 00210725: active private limited company, incorporated 29 December 1925, SIC 66220 insurance agents and brokers, registered office The Aon Centre, 122 Leadenhall Street, London. Corporate registration only, not insurance authority. Accessed 2026-09-29.
Financial Service Provider Profile: Aon Ireland Limited (C1298). Central Bank of Ireland; Register profile: Aon Ireland Limited, reference C1298, registered as an insurance, reinsurance or ancillary insurance intermediary under the EU (Insurance Distribution) Regulations 2018, and authorised as an investment business firm. The page shows no enforcement action either way. Accessed 2026-09-29.
Regulatory and Important Notices (Ireland). Aon; Lists Aon Ireland Limited, Aon Insurance Managers (Dublin) Limited and Aon Solutions Ireland Limited as regulated by the Central Bank of Ireland. Company-reported. Accessed 2026-09-29.
Texas Commissioner of Insurance Official Order No. 2024-8831 (Aon Risk Services Northeast, Inc.). Texas Department of Insurance; Consent order of 17 September 2024: entity holds Texas surplus lines license 19920; it filed some 2023 surplus lines policies late and agreed to a USD 2,425 administrative penalty. Accessed 2026-09-29.
Texas Commissioner of Insurance Official Order No. 2024-8843 (Aon Risk Services Southwest Inc.). Texas Department of Insurance; Consent order of 20 September 2024: entity holds Texas surplus lines license 9267; late 2023 surplus lines filings; USD 7,750 penalty; order lists five earlier Texas orders for the same rule (2012, 2016, 2022 twice, 2023). Accessed 2026-09-29.

Which Coverage Lines Does Spot Document for Aon?

Product pages for coverage lines documented for Aon.

Alliance Risk vs Aon

Aon describes a North American middle-market practice, while Alliance Risk markets insurance for technology companies from startup through enterprise stages.

Amelia Risk vs Aon

Amelia Risk focuses on technology and consumer-product businesses, while Aon describes a middle-market practice across North America.

Aon vs Armilla

Aon describes brokerage for certain U.S. commercial programs; Armilla markets AI insurance through an MGA and requires an AI risk assessment.

Is Aon Legit? Licensing, Carriers and Reliability

Aon Broker Reliability Score