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
Operational focus: Aon Edge is a program administrator offering private flood insurance solutions (personal and commercial) distributed through appointed producers. Core products are EZ Flood (residential), Excess Flood, and Commercial Flood. Agents must be registered/appointed with Aon Edge to quote and bind, and quoting is done via their online platform with streamlined underwriting.([aonedge.com](https://www.aonedge.com/?utm_source=openai)) Preferred / target business – Residential (EZ Flood): - Designed primarily for single-family residential homes; appropriate for both higher‑risk/coastal areas where flood insurance is mandatory and lower‑risk, non‑mandatory zones.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Suitable for properties with a clean recent flood history; Aon Edge requires the property be flood‑claims‑free for the past five years for EZ Flood placement.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/EZ-Flood-%E2%80%93-it-means-what-it-says?utm_source=openai)) - Accepts all typical foundation types other than those built over water (e.g., slab, crawlspace, basement, piers on land) subject to usual underwriting review.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/EZ-Flood-%E2%80%93-it-means-what-it-says?utm_source=openai)) - Program is intended for standard owner‑occupied and secondary residential risks; coverage provisions are designed to mirror or exceed NFIP where allowed.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) Preferred / target business – Commercial & Excess Flood: - Aon Edge lists a Commercial Flood solution and Excess Flood product as part of its offerings; marketing materials indicate custom private flood solutions with TIV capacity up to multi‑million limits (e.g., appetite sheets reference TIV up to roughly $7.5M for certain EZ Flood commercial segments), focused on typical mercantile/retail, hospitality, and similar occupancies on fixed foundations and in acceptable zones. (Details may vary by state and occupancy; check current appetite sheets available from Aon Edge).([aonedge.com](https://www.aonedge.com/?utm_source=openai)) Coverage scope – key operational points (EZ Flood residential): - Maximum eligible total insured value (TIV) of approximately $7,500,000 combined building and contents, with a maximum building limit around $6,800,000 and contents up to 70% of building coverage.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Coverage limits exceed NFIP standard caps (NFIP currently limited to $250,000 building / $100,000 contents for residential).([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Claims settlement generally mirrors NFIP: replacement cost value (RCV) for primary residences, actual cash value (ACV) for secondary residences in A/V zones; replacement cost generally provided for building and contents in lower‑risk B/C/X zones.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Deductible options commonly include $1,000, $2,000, $5,000 and $10,000.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Optional coverages may include additional living expense (loss of use) up to $250/day, $5,000 per occurrence, food spoilage up to $500, and swimming pool clean‑up coverage (e.g., $1,000), where available.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) Geographic & eligibility notes: - EZ Flood is available in both mandatory (Special Flood Hazard Area – A and V zones) and non‑mandatory zones (B, C, X), subject to state and carrier guidelines. Geographic eligibility varies by flood zone and risk characteristics; eligibility is determined by the online rating/underwriting system based on address‑level factors.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Program materials stress that geographic eligibility and pricing are driven by carrier underwriting requirements and flood‑zone determinations; agents should resolve any discrepancies between lender and Aon Edge zone information, but final premiums are based on the carrier’s own underwriting view of the risk.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/Flood-Zone-Override?utm_source=openai)) - For properties in high‑risk A/V zones with federally backed loans, NFIP minimum limit requirements still apply; Aon Edge products can be used to meet or exceed those requirements where the lender accepts private flood in lieu of or in addition to NFIP. Agents should confirm lender acceptance before replacing NFIP coverage.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) Underwriting approach / operational process: - Positioning emphasizes "hassle‑free underwriting" and "easy online quoting" with only a small set of underwriting questions (marketing references as few as ~12 core questions). Quotes can typically be produced in under a minute, with instant policy issuance and immediate access to declarations pages once bound.([aonedge.com](https://www.aonedge.com/?utm_source=openai)) - For EZ Flood residential, underwriting is heavily system‑driven; eligibility and pricing are determined by property location, flood zone, building characteristics, prior flood loss history, and TIV. If property or loss characteristics fall outside automated eligibility, the system will not allow quoting; such risks may require alternative solutions or are simply out of appetite.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - The program is backed by A.M. Best A‑ rated carriers (paper and final underwriting authority reside with those carriers, with Aon Edge acting as program administrator).([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) Restricted or declined risks (indicative – confirm in portal): - Properties built over water are not eligible for EZ Flood; any foundation type over water is specifically excluded from the residential appetite.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/EZ-Flood-%E2%80%93-it-means-what-it-says?utm_source=openai)) - Properties with flood claims in the past five years are generally ineligible for EZ Flood; past losses are a key knockout factor.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/EZ-Flood-%E2%80%93-it-means-what-it-says?utm_source=openai)) - Commercial appetite materials for EZ Flood commercial flood reference that certain occupancies and structures (e.g., mobile/temporary structures, risks without a permanent fixed foundation, certain high‑hazard or specialty occupancies, and standalone business interruption) may be outside appetite or only available on a limited basis subject to underwriter review; producers should refer to the latest Aon Edge commercial appetite sheet or contact underwriting for exceptions.([aonedge.com](https://www.aonedge.com/getmedia/2d185611-e093-4678-9786-4e283a683a59/EZFC-Appetite-F-14837-1125.pdf?utm_source=openai)) Submission / producer requirements: - Only appointed producers may quote and bind Aon Edge products; agents must register and maintain an active appointment. The public site routes agents to "Get Registered" before accessing the quoting system.([aonedge.com](https://www.aonedge.com/?utm_source=openai)) - For standard EZ Flood submissions, the online application collects address, construction details, occupancy, coverage limits, prior flood loss information, and lender information. Because underwriting is automated, incomplete or inconsistent data (e.g., mismatched structure type, TIV vs. building characteristics) will typically result in a decline or require correction before binding. - Agents are encouraged to use Aon Edge training resources (overview and quoting videos, FAQs, and resource center articles) to understand zoning, lender requirements, and how to address flood‑zone discrepancies (e.g., using Flood Zone Determination tools and clarifications).([aonedge.com](https://www.aonedge.com/?utm_source=openai)) Broker / producer notes: - Aon Edge markets itself as an agent‑centric program: testimonials and marketing highlight knowledgeable support staff, phone support, and quick assistance with quoting and servicing.([aonedge.com](https://www.aonedge.com/?utm_source=openai)) - For complex or borderline risks (e.g., unusual zones, severe repetitive loss concerns, or conflicts between lender and carrier flood‑zone designations), producers should contact Aon Edge directly for clarification before binding coverage. - Producers should always confirm lender acceptance of private flood (and applicable minimum limit requirements) before replacing NFIP coverage and should advise insureds that non‑renewal or cancellation may be possible after a claim in some circumstances based on carrier underwriting rules.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai))