Risk Appetite
Clarity on risk tolerance, well-defined risk appetite and corresponding portfolio strategies.
Reinsurance buyers are entering the January 1 renewal season with strong momentum, demand remains high and capacity is plentiful.
Discover global reinsurer capital, alternative capital and rating agency perspectives on the macroeconomic environment for insights on the potential direction of the global re/insurance industry and future renewals.
The January renewal marks a significant further shift to a buyers’ market, providing insurers with increased leverage to restructure programs and explore products previously lost during the hard market. With record capital and healthy competition, reinsurers must proactively address insurers’ needs to retain and grow their business in high growth areas like casualty, climate, cyber and technology advancements (AI) – which presents new and evolving business risks.
Clarity on risk tolerance, well-defined risk appetite and corresponding portfolio strategies.
Fast to enter and expand in new risk categories, securing first-mover advantages with lasting financial benefits.
Advanced data and analytics with third party sources and technology investment.
Innovative underwriting techniques reduce acquisition costs through automation and participation in broker facilities.
Unites top underwriting, claims and actuarial talent with a common goal; diverse experts from within/beyond the industry.
Effective distribution, guiding underwriters to opportunities, helping brokers and clients through challenging renewals and setting clear expectations early.
Analytics-driven strategies that flex between available sources of capital in response to market conditions.
Our Better Being podcast series, hosted by Aon Chief Wellbeing Officer Rachel Fellowes, explores wellbeing strategies and resilience. This season we cover human sustainability, kindness in the workplace, how to measure wellbeing, managing grief and more.
Expert Views on Today's Risk Capital and Human Capital Issues
Expert Views on Today's Risk Capital and Human Capital Issues
Expert Views on Today's Risk Capital and Human Capital Issues
Better Decisions Across Interconnected Risk and People Issues.
The construction industry is under pressure from interconnected risks and notable macroeconomic developments. Learn how your organization can benefit from construction insurance and risk management.
Stay in the loop on today's most pressing cyber security matters.
Our Cyber Resilience collection gives you access to Aon’s latest insights on the evolving landscape of cyber threats and risk mitigation measures. Reach out to our experts to discuss how to make the right decisions to strengthen your organization’s cyber resilience.
Our Employee Wellbeing collection gives you access to the latest insights from Aon's human capital team. You can also reach out to the team at any time for assistance with your employee wellbeing needs.
Explore Aon's latest environmental social and governance (ESG) insights.
Our Global Insurance Market Insights highlight insurance market trends across pricing, capacity, underwriting, limits, deductibles and coverages.
Better Decisions Across Interconnected Risk and People Issues.
How do the top risks on business leaders’ minds differ by region and how can these risks be mitigated? Explore the regional results to learn more.
Trade, technology, weather and workforce stability are the central forces in today’s risk landscape.
These industry-specific articles explore the top risks, their underlying drivers and the actions leaders are taking to build resilience.
Our Human Capital Analytics collection gives you access to the latest insights from Aon's human capital team. Contact us to learn how Aon’s analytics capabilities helps organizations make better workforce decisions.
Read our collection of human capital articles that explore in depth hot topics for HR and risk professionals, including using data and analytics to measure total rewards programs, how HR and finance can better partner and the impact AI will have on the workforce.
Explore our hand-picked insights for human resources professionals.
Our Workforce Collection provides access to the latest insights from Aon’s Human Capital team on topics ranging from health and benefits, retirement and talent practices. You can reach out to our team at any time to learn how we can help address emerging workforce challenges.
Our Mergers and Acquisitions (M&A) collection gives you access to the latest insights from Aon's thought leaders to help dealmakers make better decisions. Explore our latest insights and reach out to the team at any time for assistance with transaction challenges and opportunities.
The challenges in adopting renewable energy are changing with technological advancements, increasing market competition and numerous financial support mechanisms. Learn how your organization can benefit from our renewables solutions.
How do businesses navigate their way through new forms of volatility and make decisions that protect and grow their organizations?
Our Parametric Insurance Collection provides ways your organization can benefit from this simple, straightforward and fast-paying risk transfer solution. Reach out to learn how we can help you make better decisions to manage your catastrophe exposures and near-term volatility.
Our Pay Transparency and Equity collection gives you access to the latest insights from Aon's human capital team on topics ranging from pay equity to diversity, equity and inclusion. Contact us to learn how we can help your organization address these issues.
Forecasters are predicting an extremely active 2024 Atlantic hurricane season. Take measures to build resilience to mitigate risk for hurricane-prone properties.
Our Technology Collection provides access to the latest insights from Aon's thought leaders on navigating the evolving risks and opportunities of technology. Reach out to the team to learn how we can help you use technology to make better decisions for the future.
Our Trade Collection gives you access to the latest insights from Aon's thought leaders on navigating the evolving risks and opportunities for international business. Reach out to our team to understand how to make better decisions around macro trends and why they matter to businesses.
Better Decisions Across Interconnected Risk and People Issues.
With a changing climate, organizations in all sectors will need to protect their people and physical assets, reduce their carbon footprint, and invest in new solutions to thrive. Our Weather Collection provides you with critical insights to be prepared.
Our Workforce Resilience collection gives you access to the latest insights from Aon's Human Capital team. You can reach out to the team at any time for questions about how we can assess gaps and help build a more resilience workforce.
The mid-year renewals experienced a competitive environment as reinsurers, ILS markets and new entrants sought to deploy capacity and grow market share. Reinsurers’ appetite shifted providing protection lower down on programs where ILS capital competition was most intense.
Aon’s Reinsurance Market Dynamics provides key market trends observed during the April 1 renewal and our outlook ahead of mid-year renewals. We expect buyer-friendly conditions will prevail – with $7.5B+ of new demand for U.S. property cat limit – supported by robust levels of capacity and reinsurer appetite.
With the strong market, reinsurers increased their appetite to meet demand. Many need to revisit how they deliver client value in a sustainable, profitable way.
The Ultimate Guide to the January 2025 renewal contrasts the robust financial results of the reinsurance industry against a backdrop of insurer losses and increasing complexity of risk. The industry has untapped growth potential with the key ratio of global insurance premium to GDP at 1.8 percent since 2010, despite exposure growth and unmet client need.