Aon Client Treaty (ACT)

What is Aon Client Treaty?

Aon Client Treaty (ACT) is an innovative follow 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.

Why Aon Client Treaty Remains Important

At a time of increasingly complex risk 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 bring together our data and analytics capabilities with our portfolio management expertise to offer a product in Aon Client Treaty which goes beyond traditional insurance risk transfer solutions.

This solution enables a focused, client centric approach to insurance risk-transfer and differentiated capacity for covered classes.

What’s New for 2026

Expansion into Reinsurance

ACT is now available to our global facultative reinsurance clients, enhancing their access to capital. This also further diversifies ACT, benefiting both clients and capacity providers.

Aviation & Space

Also new for 2026, ACT has expanded to include Aviation and Space in the suite of covered classes, giving clients in these sectors access to pre-secured capacity and a streamlined placement process.

Extended Construction Periods

The maximum periods offered under ACT have been increased for a variety of construction risks, ensuring changing client needs continue to be met.

How Aon Client Treaty Helps Organizations

• Provides stability of capacity and placement efficiency with 28.5 percent of eligible 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
• Comprehensive global licensing and tax-payment capabilities — packaged as a single carrier capacity
• Provides a client dividend, a 1.5 percent price reduction on the approved leader’s terms for the ACT share of the slip premium.
• Stability in capacity with insurers already indicating their intention to support the facility through 2027.

Who Can Access Aon Client Treaty?

ACT is available to Aon clients who access our Global Broking Centre in London and on facultative reinsurance placed by Aon Reinsurance Solutions globally. For more information, contact us.