Aon
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Aon Edge publishes producer-facing guidance for private flood through its EZ Flood platform. For residential Flood, EZ Flood is positioned for single-family residential homes in qualifying geographic areas, including both higher-risk/coastal mandatory-purchase areas and lower-risk non-mandatory zones. Published availability is all U.S. states except Alaska, Hawaii, Kentucky, and the District of Columbia, with qualifying properties in A, B, C, V, and X flood zones. The residential program emphasizes streamlined underwriting with only a small set of quote questions, customizable limits and deductibles, and lender-acceptable private flood coverage. Published residential limits include up to $7.5M combined building and contents, max building limit $6.8M, and contents up to 70% of building coverage. Geographic eligibility varies by risk, so not every address or property characteristic will qualify. Producer instruction: quoting and purchasing Aon Edge private flood products requires an active producer appointment/registration with Aon Edge. For commercial flood, Aon Edge separately publishes an EZ Flood Commercial appetite guide. The commercial product targets a broad range of property risks with digital quote/rate/bind capability and published availability nationwide except Alaska, Hawaii, Kentucky, and DC. Published zone appetite includes inland and non-surge-exposed B, C, and X zones, plus positively elevated A and V zones. Program capacity is published up to $2.5M TIV including building, BPP, and business interruption. Key restrictions/ineligible risks published in the commercial appetite guide include any prior flood loss history, existing or unrepaired flood damage, risks in excluded jurisdictions, asbestos construction, BPP or BI written standalone without buildings (except leasehold improvements/betterments), buildings partially or entirely over water, chemical or fertilizer risks, standalone BI, standalone BPP, and structures not on a permanent/fixed foundation. The appetite guide also lists numerous classes outside appetite or restricted, including pharmacy, airports, amusement parks/fairgrounds, boat yards, bowling alleys, camps, cement plants, chemical plants, convention centers, farming, gasoline stations, grocery stores, gyms/indoor sports clubs, habitational condominium buildings, habitational individual units, habitational multi-family, kennels, marinas, mobile home parks, racetracks, radio/TV stations excluding towers, railroad properties, recycling, sewage treatment plants, enclosed stadiums, vehicle showrooms, and perishables warehouses. Additional commercial coverage notes published by Aon Edge include no basement eligibility where more than 49% of ACV is below ground level and restrictions on property below the lowest elevated floor in certain zones; business income is also shown as excluded on the commercial product page despite the FAQ/product materials referencing TIV inclusive of BI, so brokers should confirm current form/quote treatment case-by-case. Submission/producer notes available publicly: producers must be actively appointed to quote/bind; Aon Edge FAQ states E&O evidence is required with minimum $1M each claim / $1M aggregate covering all entity names on the producer agreement, and agencies with IVANS Y capability can coordinate trading-partner setup through Aon Edge contracting. Where a risk falls outside EZ Flood Commercial appetite, Aon Edge directs brokers to its affiliate Insurmark for additional options.