What Aon Edge does

Aon Edge is a private flood insurance provider operating as a wholly-owned subsidiary of Aon plc (NYSE: AON). The company offers three core products—EZ Flood® (residential private flood), Excess Flood (coverage above the National Flood Insurance Program's $250,000 building maximum), and EZ Flood Commercial—serving homeowners, commercial property owners, and high-value properties whose flood risk or coverage needs exceed what NFIP can accommodate. The company is licensed as a producer in all 50 U.S. states and distributes exclusively through appointed independent insurance agents and brokers who complete an onboarding process requiring agency tax ID, licenses, and E&O documentation.

The technology stack centers on a self-service online quoting and policy administration platform that delivers a quote in under one minute and instant declarations-page issuance. Agents access the platform through the Odyssey (Diamond) portal, and policies can also be quoted and serviced via Vertafore's PL Rating agency management system and the IVANS data exchange. Aon Edge also operates an Insurmark sub-brand for commercial flood distribution through Financial & Professional Risk Solutions, Inc.

Aon Edge generates revenue from recurring annual insurance premiums on residential and commercial flood policies, with pricing quote-based on property risk factors, location, and coverage amount. The go-to-market is a B2B2C channel-partner motion: Aon Edge does not sell direct to consumers but rather relies on its distribution within Aon Programs—giving access to 400+ custom insurance programs—and on direct agent enablement via weekly training webinars, eBooks, agent checklists, and a 4.6-star-rated customer support operation. Founded in 2013 (previously operating as NFS Edge Insurance), the company is headquartered in Dallas, TX, with 51–100 employees.

Name

Aon Edge

Legal name

Aon Edge Insurance Agency, Inc.

Website

https://aonedge.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Aon Edge is a private flood insurance provider offering EZ Flood®, Excess Flood, and EZ Flood Commercial products to residential and commercial property owners through appointed independent agents and brokers nationwide.

Ownership category

akta.pro rank

Product category

Flood Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Flood Insurance (FSAJACAG)

Keywords

• Private flood insurance
• Excess flood coverage
• Commercial flood insurance
• Residential flood policy
• Insurance agent platform

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: Aon Edge generates revenue through insurance premiums collected from policyholders. The company offers residential and commercial flood insurance products with coverage limits above NFIP's $250,000 maximum.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Aon Edge underwrites and distributes private flood insurance products for residential and commercial properties in the United States, sold exclusively through appointed independent insurance agents and brokers. Its portfolio includes EZ Flood® for residential property owners, Excess Flood for coverage above NFIP's $250,000 maximum, and EZ Flood Commercial for tailored commercial flood coverage. Policies are quoted online in under a minute with instant declarations pages issued upon binding, supported by a 24-hour adjuster contact claim process.

Product overview

Aon Edge is a private flood insurance provider offering a portfolio of three core products: EZ Flood® (residential flood coverage with easy online quoting and instant policy issuance), Excess Flood (coverage above NFIP policy limits for properties requiring more than the standard $250,000 maximum), and EZ Flood Commercial (custom commercial flood insurance solutions). The company positions itself as an alternative to the National Flood Insurance Program (NFIP), providing private flood insurance for property owners seeking more comprehensive coverage, competitive rates, and streamlined policy administration through digital platforms.

Differentiator

Problem solved

Functional benefit

Brands

• EZ Flood: Private Flood Insurance solutions for property owners
• EZ Flood Commercial
• Excess Flood
• Insurmark

Products and services

• EZ Flood® Private flood insurance for residential property owners, offering coverage for homes in flood zones with easy online quoting and instant policy issuance, distributed through appointed insurance agents.
• Excess Flood Flood insurance coverage above the National Flood Insurance Program (NFIP) policy limits, designed for property owners who need coverage beyond the $250,000 NFIP maximum, distributed through appointed insurance agents.
• EZ Flood Commercial Custom commercial private flood insurance solutions for businesses and commercial property managers, offering tailored coverage options above standard policy limits, distributed through appointed insurance agents.

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

One partnership is on record.

• Aon ProgramscoreStrategic or Co-development PartnerAon Edge is part of Aon Programs, which provides access to 400+ custom insurance programs, knowledgeable underwriters, and rapid turnaround. This partnership gives agents access to a broader portfolio of insurance solutions.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Burns & Wilcox: Burns & Wilcox is a specialty insurance wholesale distributor that places excess and surplus flood coverage for agents and brokers. Overlaps with Aon Edge's Excess Flood product given a shared focus on high-hazard and over-the-NFIP-limit placements via the wholesale channel.
• RPS (Risk Placement Services): RPS is a wholesale specialty broker within the Brown & Brown group that places excess, surplus, and specialty flood coverage through retail agents. Comparable to Aon Edge where its specialty flood placements intersect with Aon Edge's Excess Flood product.

Direct peers

• Wright Flood Insurance: Wright Flood is one of the largest US writers of private flood insurance, offering residential and commercial excess flood products through licensed agents. It is the most direct competitor to Aon Edge given overlapping product mix (residential, excess, commercial) and an agent-only distribution model.
• Neptune Flood Insurance: Neptune Flood is a technology-led private flood insurer that emphasizes rapid online quoting and binding for residential and commercial properties. It competes head-to-head with Aon Edge on speed, ease of use, and direct agent/broker integrations in the same private flood niche.
• Assurant Flood Insurance: Assurant offers private flood solutions through its Specialty Property group, writing both residential and lender-placed flood. It is a direct competitor to Aon Edge in the private flood market with a much larger balance sheet and broader specialty insurance portfolio.
• US Coastal Insurance Services: US Coastal Insurance Services is a specialty flood insurer that underwrites NFIP WYO and private flood programs through agency distribution. Comparable to Aon Edge as a specialty flood writer targeting homeowners in coastal and high-risk flood zones.

Broad incumbents

• Marsh McLennan: Marsh McLennan operates a large specialty insurance and program administration business and is the closest direct competitor to Aon's Programs division. Relevant as an incumbent placing flood and excess property risk through wholesale and retail channels.
• Brown & Brown Insurance: Brown & Brown is a large US insurance brokerage with a Specialty Risk unit that places flood, excess property, and coastal exposures through retail agents. It is a comparable incumbent in the agent-distributed flood and excess insurance market that Aon Edge serves.
• Aon plc: Aon plc is the parent company of Aon Edge and one of the world's largest insurance brokerage and risk consulting firms. Comparable as the corporate parent providing distribution, capital, and program infrastructure that Aon Edge itself operates within.
• Lloyd's of London (US flood syndicates): Lloyd's syndicates write a meaningful share of US private flood capacity, including commercial and high-value residential excess placements. Lloyd's is a broad incumbent market against which Aon Edge competes for risk-bearing capacity and for high-value flood placements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aon-edge

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aon Edge