Optimizing Your Property Program: 3 Ways Analytics Can Deliver Better Outcomes

Optimizing Your Property Program: 3 Ways Analytics Can Deliver Better Outcomes
November 20, 2025 8 mins

Optimizing Your Property Program: 3 Ways Analytics Can Deliver Better Outcomes

Optimizing Your Property Program: 3 Ways Analytics Can Deliver Better Outcomes

Advanced analytics empower forward-thinking risk leaders to secure better terms, anticipate volatility and build resilience. Explore three strategies to future-proof your property program through analytics.

Key Takeaways
  1. Today’s soft property market offers opportunity, but it’s sensitive to disruption — one major natural catastrophe loss event could turn the market.
  2. Volatility is intensifying, driven by interconnected risks and global uncertainty. Risk leaders should invest in their property programs now to future-proof against market changes.
  3. Leveraging quantitative analytics enables organizations to quantify exposures, optimize risk transfer and build resilience — enabling smarter, long-term property risk strategies.

This article is the third in a three-part series exploring property risk mitigation strategies in the current market.

The global property market is presenting unique opportunities for who are risk leaders ready to act. While conditions remain favorable, risk volatility is increasing — meaning that it is crucial for businesses to adopt a long-term, strategic mindset.

Risks are converging and growing more complex. Geopolitical tensions, business interruption and climate change are immediate and top property risk priorities for business and risk leaders, as confirmed by Aon’s Global Risk Management Survey. The message is clear: these risks require attention, and timing is everything.

The current soft market offers a window of opportunity, but it won’t last forever. Decisive leaders are leveraging data, analytics and modeling to understand their risk tolerance and future-proof their property insurance programs.

“Analytics will help businesses understand the extent of their exposure. How bad is a major loss for me? What does that volatility look like?” says Morgan Bui, Director of Risk Analytics for Aon in North America. “You need to start with that context — to quantify your potential risks and then build an insurance program to solve for those issues.”

Data and analytics enable risk leaders to:

“Without robust data and analytics, organizations may underestimate or overlook key risks, leading to inadequate protection or unnecessary costs,” says Vincent Flood, Head of Property for Aon in North America. “We want clients making informed fact-based decisions when it comes to program design — and data is key to enabling this.”

Optimizing Risk Strategies: 3 Areas That Benefit from Analytics

1. Negotiating Property Renewal on Stronger Terms

In a soft insurance market, where competition is high and premiums are lower, data and analytics are powerful negotiation tools, providing risk leaders with the opportunity to enhance risk controls, lower exposures and share favorable loss histories with underwriters. Data and analytics:

  1. Support requests for better terms, lower premiums and broader coverage by demonstrating risk quality.
  2. Enable organizations to benchmark their program against peers to justify their position to underwriters.
  3. Facilitate transparent discussions, reducing uncertainty and building trust with insurers.

“Well-presented analytics can help secure the best outcomes during renewal negotiations, maximizing value for the organization,” says Richard Norman, Head of Property for Aon in the United Kingdom. “Understanding what the underwriters are looking for is a key component.”

How Aon can help: Our brokers leverage Aon’s Property Risk Analyzer (PRA), using multi-model loss forecasting to engage in a fact-based negotiation with markets. This allows brokers and clients to create strategies and negotiate programs that reflect the business’s true exposures, better understand deductible options and fair levels of premium credits.

Analytics Lead to Accurate Policy Limit Direction for Health Care Provider

Case Study

Analytics Lead to Accurate Policy Limit Direction for Health Care Provider

A North American health care provider recently divested more than 30 of its locations with about $500 million in values. Carriers were hesitating to agree to the aggregate catastrophe limits the business sought as insured value had decreased. The firm sought guidance on purchase limits and Aon, through the Property Risk Analyzer, provided modeling results, exposure analysis and total cost of risk analysis based on credit received to decrease the overall policy limits. Direction underpinned by analytics enabled the client to buy policy limits aligned to their new profile, which led to better renewal quotes.
2. Giving Leadership an Analytical View of Risk Program

Enterprise risk is no longer the sole responsibility of risk managers. As exposures evolve and overlap, growing in frequency and severity, their potential impact on the business, its leaders and bottom line are forcing a rethink.

Fostering a data-driven risk culture that uses consistent analytical language, which prioritizes investments in risk mitigation, is an imperative for risk leaders as they work with organizational leaders.

“CFOs and boards are focused more than ever on risk, and are demanding analytics from their internal risk stakeholders,” adds Bui. “By leveraging quantitative analytics, we can now equip risk leaders with the insights they need to clearly articulate the value of insurance and its role in mitigating unexpected financial volatility.”

How Aon can help: Aon can deliver the quantitative insights required for confident risk decision-making using the Financial Impact Calculator in PRA. It illustrates the potential impact on key financial metrics of retained risks from modeled risk scenarios and insurance structures and demonstrates insurance’s role in reducing financial volatility.

Analytical Approach Addresses Global Cat Exposure

Case Study

Analytical Approach Addresses Global Cat Exposure

A global beverage manufacturer had significant natural catastrophe exposures in several key markets. Aon adopted an analytical approach using the PRA to rethink its entire program structure, shifting from capacity purchasing to tailored risk management. The data-driven proposal to leadership focused on relevant natural catastrophe coverage with better price-to-risk balance, significantly reducing over-purchased capacity while maintaining targeted protection.
3. Enhancing Risk Profile and Tolerance

An analytical approach allows risk managers to:

  1. Prioritize investments in risk mitigation based on data-driven insights.
  2. Develop targeted strategies for risk reduction (e.g., improving building safety, diversifying assets).
  3. Monitor and measure the effectiveness of risk controls over time.
  4. Respond proactively to emerging risks rather than reacting to events. This builds organizational resilience by ensuring resources are allocated efficiently, and vulnerabilities are systematically addressed.

How Aon can help: Aon can help identify areas where data quality can be improved and can also develop recommendations to improve resilience. These insights are used when engaging with insurers to ensure our client’s risks are differentiated in the market — and available capacity and coverage and terms are reflective of the risk.

Analytics Address Low Cat Limits with Insurer

Case Study

Analytics Address Low Cat Limits with Insurer

A client with hundreds of free-standing restaurant locations in California was struggling to secure adequate limits for earthquake coverage because there was limited data about the construction and protection features at the locations. The client engaged Aon’s Global Risk Consulting engineers to conduct inspections using drone technology to capture and then store the data.

Ready to Bring Industry-Leading Analytics to your Risk Program?

In a property insurance market defined by change and uncertainty, businesses that take charge of their risk management with a proactive, data-driven approach are creating a competitive advantage.

By leveraging a unified view of financial health and risk tolerance, and factoring in market conditions — such as capacity, pricing, coverage terms, limits, natural catastrophe exposures, and broader economic trends — organizations can confidently position themselves for future challenges and opportunities. This forward-thinking strategy enables businesses to stay ahead of risks and make smart, resilient decisions for long-term success.

Talk to our experts about how Aon’s Property Risk Analyzer can assess and optimize your property insurance program.

Aon’s Thought Leaders
  • Ryan Barber
    Global Head of Property
  • Morgan Bui
    Director of Risk Analytics, North America
  • Vincent Flood
    Head of Property, North America
  • Rudolph Koenig
    Analytics Leader, NPG, North America
  • Richard Norman
    Head of Property, United Kingdom
  • Sean Rider
    Head of Risk Analytics, North America

General Disclaimer

This document is not intended to address any specific situation or to provide legal, regulatory, financial, or other advice. While care has been taken in the production of this document, Aon does not warrant, represent or guarantee the accuracy, adequacy, completeness or fitness for any purpose of the document or any part of it and can accept no liability for any loss incurred in any way by any person who may rely on it. Any recipient shall be responsible for the use to which it puts this document. This document has been compiled using information available to us up to its date of publication and is subject to any qualifications made in the document.

Terms of Use

The contents herein may not be reproduced, reused, reprinted or redistributed without the expressed written consent of Aon, unless otherwise authorized by Aon. To use information contained herein, please write to our team.

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