Aon vs CNA: Commercial Auto Insurance

CNA covers business-use owned, hired and non-owned vehicles, with executive Drive Other Car cover; Aon advises professional-service firms on auto liability without describing covered autos or limits.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-10-01

Coverage topics

Aon

  • role: Aon presents Automobile Liability as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
  • eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
  • coverage: Aon lists Automobile Liability in its property-and-casualty offerings for professional services firms. The page does not describe covered autos, drivers, liability limits or policy terms. 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.company-reportedSource ↗
  • services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
  • 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. 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.not-foundSource ↗
  • limits: 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. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

CNA

  • coverage: CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA names Driver Distractions/Cargo Securement programs and claims support. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

What Are the Key Differences Between Aon and CNA Commercial Auto Insurance?

Which Vehicles the Description Reaches

CNA describes liability for business-use owned, hired, and non-owned vehicles, then lists automobile liability and physical damage as well as an optional Drive Other Car endorsement for executives. Aon’s page lists Automobile Liability within its professional-services practice but does not specify covered vehicles, drivers, or physical-damage terms. If executives rent cars or employees use personal vehicles, ask CNA how the endorsement applies and have Aon identify the policy wording for those same exposures. [3] [1]

Risk-Management Support

CNA names Driver Distractions and Cargo Securement programs alongside claims support. Aon describes professional-services advisors using industry knowledge, data, and tools for risk-management and human-capital decisions. A fleet with distracted-driving or cargo-loading concerns can ask CNA which program applies to commercial-auto clients and ask Aon how its advisory work would address the operation’s risks. Neither service description promises a particular loss result. [3] [1]

What Should You Confirm in Aon and CNA Commercial Auto Insurance Quotes?

  • Which CNA entity would issue the policy in the business’s state, and how are hired and non-owned vehicles scheduled? [3] [1]
  • What driver-safety or cargo-securement support is available from CNA, and what specific fleet services would Aon include? [3] [1]

CNA describes liability for owned, hired, and non-owned business vehicles and lists optional physical damage and Drive Other Car coverage. Aon lists Automobile Liability for professional-services firms but does not detail autos or drivers.

Source material

  1. 01
    Professional Services Practice

    Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  3. 03
    Commercial Auto Insurance for Businesses | CNA Insurance

    CNA · Coverages, endorsements, risk control, claims · accessed 2026-09-28

  4. 04
    Business Vehicle Insurance

    Insurance Information Institute · Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  5. 05
    Business Auto Coverage Form

    Insurance Services Office, Inc.; hosted by National General · I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6 · accessed 2026-09-16

  6. 06
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

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