Management Consulting

Aon Client Treaty (ACT) addresses the challenges organizations face due to increased risk complexity stemming from climate change, cyber threats, geopolitical uncertainties, and social inflation. These factors have significantly impacted capacity and coverage in the insurance market, prompting organizations to seek innovative solutions that provide new sources of capital. ACT offers a tailored solution by enabling clients to access 28.5 percent of pre-secured, Lloyd’s co-insurance capacity across core business lines, which encompasses a wide range of industry segments and product offerings underwritten in the London market. In 2025, ACT expanded its offerings to include facultative reinsurance, which enhances access to capital and streamlines placements. A notable feature introduced is the Client Dividend, which provides a 1.5% price reduction on the approved leader’s terms for the ACT share of the slip premium. This innovation not only benefits clients but also creates underwriting efficiencies and promotes effective capacity deployment for carriers, reflecting the partnership ethos behind ACT. Since its inception in 2016, ACT has successfully placed over $3.5 billion in gross written premium (GWP). The facility has established a reputation for providing security through a Lloyd’s-only insurance panel rated AA- by Standard & Poor’s and A+ by AM Best. Clients benefit from simplified placement processes through criteria-based underwriting, which expands the capacity behind in-scope quotations. Additionally, ACT offers an efficient claims service through the Lloyd’s claims scheme, ensuring competitive global licensing and tax-payment capabilities. This holistic approach maximizes the spread of risk and helps clients navigate fluctuating market conditions, providing confidence in post-placement servicing, claims processing, and payment.