Risk Capital

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Risk Capital

Making Better Risk Decisions

A Volatile, Interconnected World

Our world is becoming increasingly unpredictable. Businesses and communities are facing a rapidly evolving range of interconnected risks such as cyber and climate. Our clients require a new way to understand, mitigate and transfer volatility in fundamental areas like property and casualty risk. Our Risk Capital advisors bring the breadth of our expertise, relationships and analytics to unlock capital, which we access across markets, geographies and a variety of financial instruments to help organisations grow.

Enabling Better Decisions

Through our Commercial Risk capabilities, we help clients make better risk decisions by:

  1. Quantifying risks
  2. Accessing capital with more risk transfer options
  3. Protecting people and property
  4. Navigating climate-related risks
  5. Elevating risk knowledge to the board
Comprehensive Capabilities Across a Spectrum of Solutions

Broking and Risk Transfer (14)

14 Solutions

We assist clients with their insurance buying decisions, aiming to optimise the balance of risk transfer and retention financing through valuation and analysis.

  • Liability Risk Management and Insurance

    Commercial liability insurance generally refers to a broad range of insurance coverages that protect a business against liability claims that involve property damage to others, loss of property, and injury.

  • Commercial Surety

    Today’s competitive landscape, coupled with a volatile economic outlook, demands surety programme certainty and sustainability. An efficient bond programme can enhance corporate liquidity and maximise working capital.

  • Credit Solutions

    Credit solutions, including trade credit insurance, political risk insurance and surety services are critical tools for companies developing sustainable growth strategies.

  • Crisis Management

    Aon’s Global Crisis Solutions team helps organisations prepare for crisis events involving people, property and products by providing consultative risk mitigation and placement strategies.

  • Cyber Insurance

    Cyber insurance is critical to an organisation’s overall cyber risk management strategy. It is intended to provide organisations with better protection against the financial risk posed by cyber security threats such as ransomware and data breaches.

  • Directors' and Officers' Liability Insurance

    Aon helps corporations and public companies design and implement directors’ and officers’ (D&O) insurance that fits their business with the broadest coverage available.

  • Employment Practices Liability Insurance

    Employment practices liability insurance addresses specialised liability risks arising from actual or alleged wrongdoing at work, including wrongful termination or constructive discharge, sexual and non-sexual harassment, discrimination and employment-related negligent hiring.

  • Environmental Insurance

    Aon’s environmental specialists take a multidisciplinary approach, incorporating engineering, underwriting and claims support to help identify exposures and assess potential environmental liabilities.

  • Errors and Omissions Liability Insurance

    Errors and omission liability insurance (also known as professional liability and sometimes professional indemnity) is a client-facing liability risk impacting service providers.

  • Fidelity and Crime Liability Insurance

    Aon provides fidelity and crime insurance, which protects organisations against direct loss from dishonest or fraudulent acts committed by their employees.

  • Financial Lines and Professional Services

    Our Financial Lines and Professional Services practice supports the provision of key specialty insurance products across multiple industries and provides industry-specific risk and human capital solutions for professional service firms.

  • Parametric Insurance

    Explore how Aon’s parametric insurance solutions can offer an alternative to traditional indemnity and help manage your total cost of risk using data-driven models.

  • Property Insurance

    A proactive approach to property risk management integrates a complete view of an organisation’s financial foundation and risk appetite while considering key market dynamics.

  • Owner Controlled Programmes

    Aon provides insurance coverages required by developers or contractors taking a construction project from inception to completion, including contractors all risks, delay in start up, public liability/ non-negligence, terrorism, employers liabillity and professional indemnity.

Claim Management (2)

2 Solutions

Accelerate the resolution of your insurance claim via our claim advocacy and claim preparation services.

  • Claim Advocacy

    Leverage our data, insights and specialist resources to improve your organisation's claims management strategy. We'll partner to tackle high-exposure claims, improve claims performance and reduce your total cost of risk.

  • Claim Preparation

    Claim preparation is the complete process of quantifying, organising and substantiating a claim in a loss event. It involves developing the optimal methodology to quantify loss and compiling evidence of a provable business loss.

Risk Management (9)

9 Solutions

Building risk resilience is crucial in today’s rapidly evolving, interconnected landscape.

  • Business Continuity Management

    Business continuity management helps organisations build operational resilience by identifying potential threats and working to mitigate them, safeguarding a business against disruptions and helping to ensure operations can continue without interruption.

  • Casualty Risk Management

    Commercial casualty insurance generally refers to a broad range of insurance coverages that protect a business against liability claims that involve property damage to others, loss of property, and injury.

  • Claim Preparation

    Claim preparation is the complete process of quantifying, organising and substantiating a claim in a loss event. It involves developing the optimal methodology to quantify loss and compiling evidence of a provable business loss.

  • Climate Risk Advisory

    Modeling the financial impact of climate risk helps organisations navigate physical and transition risks to build resilience and harness opportunity.

  • Cyber Risk Consulting

    Aon helps clients effectively manage their full risk lifecycle with the goal of maintaining sustainable cyber resilience.

  • Property Risk Management

    A proactive approach to property risk management integrates a complete view of an organisation’s financial foundation and risk appetite while considering key market dynamics.

  • Risk Financing

    The core objective of a risk financing strategy is finding a balance between risk retention, risk management and risk transfer that suits an organisation’s risk appetite.

  • Risk Financing Analytics

    Risk Financing Analytics helps organisations instantly and confidently evaluate different approaches to risk, identify the most efficient insurance programs and make better data-driven decisions – optimising the balance between risk tolerance and risk transfer decisions.

  • Supply Chain Risk Management

    Supply chains are complex ecosystems and their complexity keeps increasing. At the same time, the risk landscape is ever more interconnected and the challenges posed by intangible risks are on the rise. We help you to navigate supply chain risk management.

With access to the world’s leading insurers and capital markets, we use our global capability to deliver locally relevant solutions

Actionable Analytical Insights

We leverage data, tools and more than 1,000 analytics professionals to better inform clients of evolving risks and build innovative capital solutions for our clients — from traditional cover like insurance to alternative risk transfer solutions like parametrics and captives.

We have more than 30 years of experience in delivering analytical insights and capital to insurers, which manage the most complex risks and some of the largest balance sheets in the world. By investing and scaling our industry expertise and connections, more clients can reap the benefits, as we apply these Risk Capital capabilities to our corporate clients to drive enhanced value.

Our extensive risk and modeling data also means insurers and investors have a greater understanding of risk — which increases their confidence and appetite for further investment to bring in more capital into the industry.

1000+

We have brought together more than 1,000 analytics professionals across the firm to present clients with an integrated view of risks.

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