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 (Aon Edge) operates as a program administrator/wholesaler for private flood solutions, not a direct retail carrier. Current public guidance is high-level marketing rather than a full underwriting manual, so operational rules below are inferred from available product sheets and FAQs and should always be confirmed in the Aon Edge agent portal/program appetite guide. PREFERRED / TARGET BUSINESS - Single-family residential dwellings needing an alternative or supplement to NFIP, including properties in both high-risk (A/V) and lower-risk (B, C, X) flood zones, when they fit program appetite and carrier underwriting criteria.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Owner-occupied principal residences are favored for replacement-cost treatment; second homes generally receive ACV on building in A/V zones.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Risks with total insurable value (TIV) at or below roughly $7.5M combined building/contents and building limits up to about $6.8M, subject to carrier-specific limits and appetite.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Residential and commercial locations where brokers are seeking higher limits or more flexible terms than NFIP, including use of excess flood above NFIP limits.([aonedge.com](https://www.aonedge.com/Products?utm_source=openai)) - Commercial locations qualifying under the EZ Flood Commercial product sheet (e.g., standard commercial occupancies rather than heavy industrial), subject to underwriting review.([aonedge.com](https://www.aonedge.com/getmedia/2a77cf88-c14e-4756-b0fd-ecccfbe2251c/EZFC-Product-Sheet-F-14836-1025.pdf?ext=.pdf&utm_source=openai)) RESTRICTED / DECLINED CLASSES (INFERRED) - Properties outside the geographic or zoning eligibility embedded in the Aon Edge system: the platform will block quoting where hazard data and internal rules deem the risk off-appetite. The FAQ notes eligibility varies by risk, and some properties that quoted previously may later be ineligible.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Certain high-hazard locations, severe loss history, or unusual construction/foundation types may be declined or require additional underwriting; the platform references that eligibility is based on property location and characteristics and that coverage is "subject to underwriting."([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Large or complex commercial, industrial, or specialty risks are more likely handled through Aon’s specialty flood/reinsurance group rather than the packaged EZ Flood programs; those exposures will require bespoke underwriting and may fall outside standard program appetite.([aon.com](https://www.aon.com/reinsurance/specialty_practices/flood?utm_source=openai)) GEOGRAPHIC / HAZARD NOTES - EZ Flood is available for U.S. residential properties in both higher-risk mandatory purchase areas (A and V zones) and lower-risk zones (B, C, X), with eligibility varying by state, flood zone, and property characteristics.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Aon Edge uses its own hazard and underwriting data; agents can adjust the flood zone in the platform to align with lender determinations, but premiums are still calculated from carrier underwriting requirements and internal risk metrics, not solely from the FEMA zone selected.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/Flood-Zone-Override?utm_source=openai)) - Some policies may be subject to cancellation or non‑renewal after losses depending on claim experience and underwriting results.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) COVERAGE / STRUCTURE HIGHLIGHTS - Private primary flood with higher limits than NFIP: max eligible TIV around $7.5M (building plus contents) and building limit up to about $6.8M, with contents limits up to 70% of building coverage.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Replacement cost settlement for principal residences in A/V zones and for building and contents in B/C/X zones; ACV used in certain secondary residence scenarios.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Optional additional living expense and food spoilage coverages, plus certain pool clean-up benefits for eligible residential risks.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Commercial EZ Flood product provides custom commercial flood solutions; coverage scope and limits are subject to underwriting and vary by program.([aonedge.com](https://www.aonedge.com/getmedia/2a77cf88-c14e-4756-b0fd-ecccfbe2251c/EZFC-Product-Sheet-F-14836-1025.pdf?ext=.pdf&utm_source=openai)) SUBMISSION & UNDERWRITING PROCESS - Business is transacted through the Aon Edge online agent platform (FloodPro/Aon Edge portal). Quoting is streamlined into a few steps: entering underwriting information, generating the quote, and purchasing.([aonedge.aon.com](https://aonedge.aon.com/FloodPro/?utm_source=openai)) - Underwriting is designed to be highly simplified: only a limited number of risk questions are needed for a premium indication, relying heavily on integrated flood hazard data and internal analytics.([aonedge.com](https://www.aonedge.com/Products/EZ-Flood?utm_source=openai)) - Agents must be registered and contracted with Aon Edge; the system checks registration status during quote setup and will prompt for credentials or producer registration.([aonedge.aon.com](https://aonedge.aon.com/FloodPro/?utm_source=openai)) - Required producer documents for appointment/contracting are referenced in the Aon Edge FAQ and program appetite guide; these specifics (licenses, E&O, etc.) are accessible within the secure producer resources rather than fully detailed on public pages.([aonedge.com](https://www.aonedge.com/Resource-Center/Frequently-Asked-Questions?utm_source=openai)) BROKER / PRODUCER INSTRUCTIONS - Access is restricted to appointed producers; brokers must log in to Aon Edge, maintain up‑to‑date agency information, and follow on‑screen underwriting prompts. The portal prepares an "underwriting page" as part of each quote workflow.([aonedge.aon.com](https://aonedge.aon.com/FloodPro/?utm_source=openai)) - For assistance with quoting, underwriting questions, or registration, producers are directed to Aon Edge support via published phone numbers and email contacts on the portal and FAQ pages.([aonedge.aon.com](https://aonedge.aon.com/FloodPro/?utm_source=openai)) - Aon Programs marketing materials emphasize broker-focused solutions and note that EZ Flood and excess flood are offered through program platforms staffed by dedicated underwriting professionals; placement of atypical or complex accounts is expected to route through Aon Programs or Aon Re specialty teams rather than the standard EZ Flood workflow.([aonprograms.com](https://www.aonprograms.com/getmedia/73ca800a-13f1-4db3-a8ed-75dee42526b4/Aon-Programs-Portfolio-2025.pdf?utm_source=openai)) OPERATIONAL INTERPRETATION - Treat Aon Edge as a private flood program administrator with strong analytic, zone, and hazard controls; eligibility and pricing are primarily system-driven. - Expect appetite to focus on 1–4 family residential and small-to-midsize commercial locations within TIV and zone parameters, with a preference for well‑maintained, standard construction properties. - Use the agent portal for real-time appetite checks and binding; if the system blocks a risk, consider Aon specialty flood solutions or alternative markets. - For detailed class, state, and occupancy restrictions, consult the non‑public Program Appetite Guide and internal bulletins within the Aon Edge portal, as public documents only reference its existence but do not enumerate specific inclusions/exclusions.