Aon Client Treaty
What is Aon Client Treaty?
Aon Client Treaty (ACT) is an innovative follow-on facility for Aon clients. It enables them to access 28.5 percent of pre-secured, Lloyd’s co-insurance capacity on core business lines. The facility encompasses a broad range of industry segments, product ranges, and geographies underwritten in the London market.
Why Aon Client Treaty Remains Important
At a time of increased risk complexity driven by climate change, cyber, geopolitical uncertainties and social inflation, all affecting capacity and coverage, organizations are seeking solutions that offer new sources of capital.
At Aon, we use our data and analytics capabilities with portfolio management expertise to include more than traditional insurance risk transfer solutions with Aon Client Treaty.
These innovations enable a focused, client centric approach to insurance risk-transfer and differentiated capacity for covered classes. They enable clients to benefit from mutual relationships to co-create efficiencies in the placement value-chain.
What’s New for 2025
Client Dividend
For 2025, ACT incorporates a new client feature known as a Client Dividend. This innovation is a 1.5% price reduction on the approved leader’s terms for the ACT share of the slip premium. The Client Dividend is driven by ACT’s design, which benefits clients and creates underwriting efficiencies and associated efficient capacity deployment for carriers. It also reflects the partnership ethos behind ACT.
Longer Term Indication of Carrier Support
ACT insurers have indicated their intention to provide capacity for the facility over the next three years (2025-2027).
How Aon Client Treaty Helps Organizations
- Addresses Total Cost of Risk volatility and placement efficiency with 28.5 percent of eligible London orders pre-placed
- Pre-secured and ring-fenced aggregate capacity across almost all major product lines
- Security of a Lloyd’s-only insurance panel benefiting from AA- rated by Standard & Poor’s and A+ rated by AM Best
- Simplified placement through criteria-based underwriting, expanding the capacity behind in-scope quotations
- An efficient claims service through the Lloyd’s claims scheme with competitive global licensing and tax-payment capabilities — packaged as a single carrier capacity
An Innovative Follow-On Facility
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Outcomes built on Nat Cat data modeling to ‘pre-secure’ capacity across complex portfolios spanning diverse industries and territories
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Since inception in 2016, over $3.5bn in GWP has been placed through ACT
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A decade of client servicing across all core business lines with the certainty of supporting capacity in turbulent times
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Confidence in post-placement servicing, claims processing and payment
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Placements completed at a favorable rate in a highly competitive market
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A holistic approach on a cross-class basis to maximize the spread of risk and help navigate fluctuating market conditions
Who Can Access Aon Client Treaty?
ACT is available to Aon clients who access our Global Broking Center in London. For more information, contact us.
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