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
Program/brand: Aon Edge private flood (Aon-affiliated, US nationwide where admitted/surplus lines paper available). Products marketed as EZ Flood (simplified primary), Excess Flood, and Commercial Flood, accessed via the Aon Edge agent portal. Preferred / target business - Residential risks (1–4 family dwellings and small residential schedules) seeking an alternative or complement to NFIP limits, especially where NFIP pricing or coverage is less competitive. - Commercial locations where private primary or excess flood can sit above NFIP to increase limits or tailor coverage; also lender‑driven placements needing proof of coverage aligned with mortgage requirements. - Community banks and mortgage lenders needing flood capacity (including deductible buy‑back or excess limits over NFIP), as referenced in Aon Programs’ private flood offering.([aonprograms.com](https://www.aonprograms.com/?utm_source=openai)) Risk appetite / underwriting orientation - Uses proprietary flood rating tools, maps, and modeling; underwriting is driven heavily by flood zone, elevation, and replacement cost documentation similar to NFIP practice (elevation certificates, zone determinations, community participation, discounts, severe repetitive loss considerations, etc.).([resume-library.com](https://www.resume-library.com/job/view/225945101/customer-service-specialist?utm_source=openai)) - Designed as a simplified option to NFIP for many standard property types; complex, high‑hazard or highly loss‑active locations are more likely to be referred or declined rather than auto‑bound.([aonprograms.com](https://www.aonprograms.com/?utm_source=openai)) Common restricted or declined characteristics (operational expectations based on program positioning) - Properties with severe or repeated flood loss history, substantial prior flood payouts, or located in the most hazardous coastal/riverine zones may fall outside automated appetite and require individual underwriter review; agents should expect possible declination or pricing/terms changes. - Locations where flood risk cannot be adequately validated via mapping/elevation data or where required documentation (e.g., elevation certificate for certain zones or structures) is unavailable will typically be ineligible or delayed until data is supplied.([resume-library.com](https://www.resume-library.com/job/view/225945101/customer-service-specialist?utm_source=openai)) - Extremely high total values or large, multi‑location commercial schedules may be directed to Aon specialty/wholesale facilities rather than the streamlined Aon Edge platform. Geographic notes - Aon Edge markets its private flood solutions nationally to US‑based agents, with capacity dependent on carrier partners and state filings; availability may vary by state or territory and by coastal/catastrophe exposure.([aonedge.com](https://www.aonedge.com/Resource-Center?utm_source=openai)) - For very cat‑exposed states (e.g., Gulf and Atlantic coastal states), underwriting is supported by Aon’s catastrophe modeling and flood analytics; agents should anticipate tighter appetite, potential moratoriums during events, and more frequent underwriter review of high‑hazard zones. Submission / contracting requirements (agents & brokers) - Agents must contract with Aon Edge before binding private flood; contracting includes execution of an agency agreement and provision of licensing information as outlined in the EZ Flood FAQs.([aonedge.com](https://www.aonedge.com/Resource-Center/Frequently-Asked-Questions?utm_source=openai)) - After contracting, quotes and policy issuance are completed within the Aon Edge online portal (no traditional ACORD application required for standard submissions). Required quote data typically includes property address, construction/occupancy details, coverage limits, and any elevation or prior‑loss information requested by the system. - Aon Edge provides self‑service underwriting tools, checklists, and training; agents are expected to use these materials to pre‑screen risks and ensure required documentation (elevation certificate, photos, prior policy information, etc.) is collected before binding.([aonedge.com](https://www.aonedge.com/Resource-Center?utm_source=openai)) Broker / producer guidance and notes - Distribution is broker‑centric: Aon Programs and Aon Edge emphasize supporting retail agents and brokers with portal access, marketing materials, and dedicated support contacts rather than direct‑to‑consumer sales.([aonedge.com](https://www.aonedge.com/Resource-Center?utm_source=openai)) - Agents should route questions about complex structures, large schedules, or unusual coverage needs (e.g., deductible buy‑back, mini‑wind, large commercial flood) directly to Aon Programs contacts listed in program material for potential bespoke placement.([aonprograms.com](https://www.aonprograms.com/?utm_source=openai)) - For business accessed via associations or networks (e.g., MAIA and similar groups), agents may be instructed to identify their network relationship at sign‑up so that business is properly aligned with the collective book and applicable commission/servicing arrangements.([massagent.com](https://massagent.com/wp-content/uploads/2023/02/AonEdge-Residential-Excess-Commercial-Flood.pdf?utm_source=openai)) Operational takeaways - Treat Aon Edge primarily as a portal‑driven, rules‑based private flood facility focused on standard residential, small commercial, and excess placements, with clear dependence on accurate flood mapping/elevation data. - Always check current portal appetite and any posted moratoriums for coastal/cat‑exposed regions before binding. - Ensure agency contracting is completed and follow Aon Edge documentation checklists to avoid post‑bind underwriting issues or delays in policy issuance.