U.S. Regional and Mutual Insurers
Better Decisions for Profitable Growth
As the backbone of the U.S. insurance market, regional and mutual insurers bring local insight, deep community relationships, and underwriting discipline to markets that demand precision. At the same time, these insurers face rising pressure from catastrophes, regulation, capital constraints, and accelerating demands in AI, data, technology, and talent.
Yet, even in this environment, our regional and mutual clients are outperforming the broader market – improving combined ratios and growing policyholder surplus – through our dedicated client team.
Regional Expertise with Global Market Leverage, Solutions and Data
Regional and mutual insurers wonder how a global broker like Aon can truly understand their business. We hear these concerns every day – from family-owned businesses to multi-billion-dollar companies – and we built our offering to prove that you can keep the local understanding and relationships that define your business, while gaining the data, solutions and market leverage of a global firm.
By partnering closely with clients, Aon’s Regional Insurer Group brings a dedicated team of local experts across the West, Midwest, South and East Coast to align risk appetite with strategy, protect balance sheets and unlock growth in an increasingly competitive market.
Our agnostic approach to capital enables us to represent our clients across traditional reinsurers and third-party capital providers.
And this is just the start…based on your strategic goals, we bring the best of Aon to drive performance across every aspect of your business from identifying growth opportunities to capital modeling.
58%
of U.S. regional insurers are Aon clients which brings you benchmarking data, peer insights and market leverage.
Source: Aon’s Reinsurance Solutions
As we've gained confidence in our view of risk, it allows up to gain clarity in our strategy and tactics. The better we refine our view, the better we can align tactics and strategy to meet that view.
Aon’s regional clients are outperforming the market
-
-4.2%
Average 3-year Combined Ratio decrease for Aon Regional Clients (vs. -1.4% for all U.S. Regional Insurers)
-
+10%
Average 3-year Policyholder Surplus growth for Aon Regional Clients (vs. +8.9% for all U.S. Regional Insurers)
Why Work with Us
-
Understanding your True Catastrophe Risk
- Hazard Scores: Tap into Aon’s peril hazard scoring across key natural hazards – including hurricane, flood, severe convective storm and wildfire – for a clearer, location specific sense of risk.
- Catastrophe Model Insight: Access the suite of US peril catastrophe models of hurricane, flood, SCS and wildfire from Impact Forecasting – our own, flexible and transparent catastrophe model –for a clearer view of potential losses, portfolio volatility and capital needs.
- Event Response Analytics: Whether managing the frequency of SCS or preparing for a 1 in 100 year hurricane, our Event Analytics solution helps regional insurers respond to catastrophes with near‑real‑time loss estimates, integrated hazard, exposure and loss data, and decision‑ready insights before, during and after events.
-
Aligning Risk Appetite with Capital Strategy
- View of Risk Advisory: We design a custom view of catastrophe risk for each client, aligning reinsurance strategy with underwriting and portfolio characteristics for a truly custom solution.
- Capital Insights Explorer: A tool designed specifically for the US regional insurance market delivers rapid, accessible insights into risk-reward trade-offs without the complexity, cost or time investment of a custom capital model.
-
Designing Portfolios for Profitable Growth
- Portfolio Optimization: Evaluate underwriting performance, risk concentration, and diversification to recommend optimal strategies for profitable growth with our actuaries and analytics professionals.
- Insurance Market Analytics: Aon’s proprietary platform delivers a clear picture of where real growth opportunities exist; so you can focus expansion efforts on the markets, segments and geographies that fit your strategy.
- Profitable Growth Advisory: Explore inorganic (M&A, MGA/MGUs, etc.) and organic growth solutions (geographic expansion, product expansion, etc.) that align with your risk appetite.
-
Supporting Ratings and Stakeholder Confidence
- Rating Agency Advisory: We monitor key metrics and provide guidance to enhance or maintain favorable ratings, including stress testing and scenario analysis.
-
Driving Performance
- Talent benchmarking insights: Understand how operations compare to other insurers and sectors to future-proof talent strategies and maintain a high-performing workforce.
- Business Transformation: Uncover new ways to drive revenue, streamline how work gets done and build differentiated business models that keep you competitive and relevant.
- Claims Optimization: Whether you’re trying to improve financial performance across your claims functions but are constrained by limited resources, unsure how to integrate digital and AI tools, or dealing with complex claims processes, Aon’s Specialist Claims Solutions can help. Our approach is designed to reduce cost leakage across the claims cycle while improving efficiency and outcomes.
