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 35 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.

Meeting Changing Risk Needs with Aon Client Treaty

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 2027

1. Increase in Line Size

For 2027, ACT will provide up to 35% (thirty five percent) of pre-secured, Lloyd’s capacity. The existing 1.5% (one and half percent) client dividend shall still apply to the increased ACT share of order.

Increase in dollar cap per line of cover

For most lines of cover, the maximum dollar cap has increased in accordance with the overall increase in capacity.

2. Increase in participating markets

The number of participating markets on ACT is increasing in 2027 to 14 Lloyd’s carriers.

How Aon Client Treaty Helps Organizations

• Provides stability of capacity and placement efficiency with 35% (thirty five 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 to 2029.

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.