Insurance and Reinsurance
Field-level resilience intelligence can help insurers and reinsurers better understand exposure, inform risk selection and explore agricultural risk financing and transfer approaches.
Aon Agriculture Resilience Center
The AARC helps organizations better understand, quantify and manage agricultural risk through actionable resilience intelligence.
Introduction
There’s a new way to understand, quantify and manage agricultural resilience. Up until now, most agricultural risk is priced and managed at scale, by county, region and broad averages — because that is how data has historically been available.
The Aon Agriculture Resilience Center (AARC) has been built to change that. We bring together risk expertise, data science and agricultural knowledge to help farmers, agribusinesses, insurers, lenders and supply chain partners identify resilience at the level where it occurs: the acre, the field and the operation.
Through collaboration and applied insight, AARC works to make agricultural risk more visible, measurable and manageable for the organizations and people closest to it.
Our Mission
The AARC helps organizations better understand, quantify and manage agricultural risk through actionable resilience intelligence.
By combining Aon's risk expertise with field-level analytics, we help insurers, financial institutions, food and beverage companies, biofuel producers and other agricultural stakeholders make more informed decisions about risk financing, supply chain resilience, capital deployment and long-term performance.
Our mission is to help transform agricultural resilience from an abstract concept into a measurable factor in business decision-making.
Our Vision
The AARC has been built to ensure that agricultural resilience is recognized as an important driver of business and financial performance.
Organizations no longer need to rely solely on broad regional averages to evaluate agricultural risk. The field-level intelligence produced by the AARC can inform underwriting, strengthen supply chain planning, guide capital allocation and support long-term decision-making.
By helping organizations examine soil function and resilient land management through the lens of critical agricultural infrastructure, the AARC is helping to build a more transparent, resilient and investable agricultural ecosystem.
Why Resilience Matters
Agriculture faces an increasing number of interconnected pressures, including weather volatility, rising input costs, evolving sustainability and reporting requirements, generational transitions in farm ownership and uneven access to capital for operations seeking to adapt.
Much of the infrastructure used to manage agricultural risk relies on regional and historical information that may not capture a clear picture of every field and operation. Closing that information gap is central to building a more resilient agricultural system.
What We Do
- Assess risk at the field level using integrated agricultural, environmental and operational data.
- Convene partners across the value chain, including insurers, lenders, investors, agribusinesses and researchers around shared resilience goals.
- Develop new approaches to measuring resilience and examining how resilient agricultural practices may be recognized in business decisions.
- Advise organizations navigating agricultural risk, capital, supply chain and sustainability considerations.
Jump to Section
How Agricultural Risk Is Changing
Why Broad Averages May Not be Enough
Agricultural risk is becoming more localized and interconnected. Weather volatility, water availability, soil conditions, regulatory pressures and market disruptions do not affect every operation equally. Yet many insurance, financing and investment decisions continue to rely heavily on regional averages that can mask important differences between individual fields and farms.
As a result, organizations may have difficulty identifying where risk is concentrated, where resilience is already present and where investments may create the greatest value.
The AARC helps organizations move beyond broad assumptions by adding field-level context to their understanding of agricultural resilience and performance.
The SAGE Risk Analyzer
Turning complex data into decision-useful insight
AARC uses Aon's SAGE Risk Analyzer to combine risk expertise, agricultural knowledge, collaboration and advisory support. SAGE brings together AI-enabled analysis, crop modeling, soil science, land management information, weather patterns and climate-related data to help create a forward-looking view of agricultural risk and resilience at the field level.
Rather than relying solely on historical data, SAGE can help organizations explore how agricultural systems may respond under a range of potential stress conditions. This information can help organizations:
- Identify potential concentrations of agricultural risk.
- Examine resilience differences across fields and sourcing regions.
- Inform underwriting and pricing considerations.
- Add field-level context to lending and investment evaluations.
- Explore the potential operational and economic value of resilience improvements.
Industries We Help
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Food, Beverage and Agribusiness
Companies with agriculture-dependent supply chains can use resilience intelligence to better understand sourcing exposure, differentiate risk across production regions and inform strategies supporting supply continuity, sustainability commitments and long-term performance.
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Financial Institutions
Banks, lenders and investment organizations can consider agricultural resilience indicators alongside other information used in credit analysis, underwriting and portfolio management.
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Biofuel and Renewable Energy
Companies dependent on agricultural feedstocks can gain additional insight into production variability, sourcing exposure and the long-term resilience of feedstock supply.
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Capital Providers
Institutional investors and alternative capital providers can gain greater visibility into agricultural risk and explore potential structures for financing or transferring that risk, subject to appropriate evaluation and engagement terms.
The Return on Resilience
Making Resilience Central to Decision-Making
For many organizations, resilience has traditionally been viewed as a sustainability objective. AARC also considers resilience as a potential business performance factor. Soil function and land management may affect factors such as production stability, exposure to weather-related stress, financing considerations and long-term supply reliability. AARC helps organizations examine these relationships and assess where resilience investments can create operational or economic value.
The result is a more informed view of resilience and a stronger foundation for strategic decision-making.
From Insight to Action
A Practical Starting Point
Every organization faces agricultural risk differently. For some, the challenge is insurance pricing and volatility. For others, it is sourcing disruption, sustainability commitments, lending exposure or investment performance.
Our engagement begins with understanding the agricultural risks and business outcomes that matter most to your organization.
Working with you, AARC specialists can help identify priority questions, consider relevant sources of resilience insight and outline areas for further exploration.
Focus Areas
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Risk Intelligence and Measurement
Translating agricultural and environmental data into a clearer, detailed picture of resilience and risk.
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Capital and Collaboration
Helping insurers, lenders, investors and other capital providers explore how resilience intelligence may inform capital deployment and risk financing.
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Supply Chain Resilience
Supporting agribusinesses and buyers as they examine sourcing risk and navigate sustainability commitments.
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Advisory and Applied Research
Partnering with researchers, growers and institutions to test, validate and scale new approaches to agricultural resilience.
Partner With Us
Find your first move
Every organization has a different starting point. Whether you are evaluating insurance performance, supply chain resilience, sustainability objectives or agricultural investment opportunities, AARC can help identify priority questions and explore where resilience intelligence may create value.
Schedule an introductory working session
In an introductory working session with AARC specialists, we will discuss your agricultural risk priorities, identify areas for further exploration and consider practical next steps that align with your business objectives.
Frequently Asked Questions
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What is agricultural resilience?
Agricultural resilience is the ability of agricultural systems to withstand, adapt to and recover from environmental, economic and operational disruptions.
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What makes AARC different?
AARC combines Aon's risk advisory capabilities, agricultural knowledge and field-level resilience intelligence, including analysis supported by the SAGE Risk Analyzer™.
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Who should engage with AARC?
AARC works with organizations that have meaningful exposure to agricultural risk, including insurers, reinsurers, lenders, investors, food and beverage companies, biofuel producers, agribusinesses, cooperatives, researchers and other agricultural stakeholders.
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Do I need to be a grower to work with AARC?
No. Agricultural risk affects organizations throughout the value chain, including supply chains, financial services, insurance markets and investment portfolios.
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