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Insights

Aon’s wealth of expertise is here to empower what you do. Our industry specialists and thought leaders discuss the most pressing issues companies are facing today.
 

Articles

How to Successfully Navigate a Warranty & Indemnity Claim

How to Successfully Navigate a Warranty & Indemnity Claim

Five top tips on how to successfully navigate a warranty & indemnity claim Read more »

Aon’s Insurance Companies’ Forum 2019 – Event Summary

Aon’s Insurance Companies’ Forum 2019 – Event Summary

Waiting for the market cycle to recover is no strategy for future success said Lloyd’s CEO, John Neal, in his keynote address to delegates. Going on to detail how the Lloyd’s market is responding to a fast-changing risk landscape – including the anticipated launch of a new prospectus for 2019 and beyond. Read more from Aon’s Insurance Companies’ Forum event. Read more »

Keeping Cryptocurrency Secure

Keeping Cryptocurrency Secure

More than $1.3bn has been stolen from cryptocurrency exchanges since the first Bitcoin block was mined in 2009, with an average of $2.7m of crypto assets stolen every day in 2018. While robust security is imperative for anyone wishing to hold digital assets, insurance is also helping to reduce the risk to investors. Read more »

Aon's Political Risk, Terrorism and Political Violence Risk Maps 2019

Aon's Political Risk, Terrorism and Political Violence Risk Maps 2019

An insight into the political and terrorism risks identified by Aon’s Political Risk, Terrorism and Political Violence Risk Maps 2019 and how they could potentially affect your business and the challenges you face. Read more »

Capital Requirements Regulation

Capital Requirements Regulation

In the first quarter of 2018, the UK’s Prudential Regulation Authority (“PRA”) caused a stir by publishing a Consultation Paper regarding the eligibility of guarantees (including credit insurance) as unfunded credit protection for the purposes of calculating capital requirements under the EU Capital Requirements Regulation (“CRR”). Read more »

Managing financial and employee risks in the legal sector

Managing financial and employee risks in the legal sector

Giles Bentley, Managing Director and Head of Professions at Aon – a leading global professional services firm providing a broad range of risk, retirement and health solutions – gives some insights on some of the biggest financial and employee risk questions facing law firms in today’s market. Read more »

Mitigation of Losses

Mitigation of Losses

In our experience, one of the first questions that often arises is how to control the situation and contain any potential loss. The second is “will our insurance respond?”. The purpose of this article is to look at the issues that arise when considering both of these common questions.. Read more »

Food and Drink: Insurance Market Update

Food and Drink: Insurance Market Update

Increasing premiums, tightening terms and conditions, higher deductibles and even a shortage of capacity for some risks, are combining to make it more challenging for many food and drink companies to renew their insurance programmes. Read more »

Political Risk – Quarterly Update March 2019

Political Risk – Quarterly Update

Complementing the annual Political Risk Map, Aon’s political risk newsletter is developed in partnership with Continuum Economics (formerly Roubini Global Economics), providing insight into political risk in non-EU and OECD countries. Read more »

EU Client Brexit Update

EU Client Brexit Update

This note is intended to provide EU domiciled insureds with an overview of some of the key points being worked through by the insurance sector due to Brexit. Read more »

UK Client Brexit Update

UK Client Brexit Update

The UK is currently scheduled to leave the European Union (EU) at 11pm on 29 March 2019. This date is approaching quickly and we want to provide you with a sharp and focussed overview of some relevant topics you will need to consider. Read more »

Financial Insights 2019

Financial Insights 2019

Welcome to Financial Insights 2019, a collection of articles from the academic, legal, banking and insurance worlds intending to provide you with some food for thought. Read more »

The global financial landscape in 2019 – greater volatility to be the new normal

The global financial landscape in 2019 – greater volatility to be the new normal

Global economic activity is slowing down. After peaking in 2017 post-crisis at an annual rate of about 3.8%, growth in 2019 looks like it will ease back to 3.5%. Such a pace will equal the post-recession low seen in 2012. Read more »

Protecting the bottom line, come rain or shine

Protecting the bottom line, come rain or shine

How can parametric insurance help to smooth income volatility for retailers? Read more »

Cyber Perils in a Growing Market

Cyber Perils in a Growing Market

Insurance, including any form of cyber insurance, should be complementary to a robust cyber resiliency risk management approach. Linking asset and risk data analytics will lower an organisation’s total cost of risk. Read more »

Managing cyber risk in Life Science organisations – a survival guide

Managing cyber risk in Life Science organisations – a survival guide

As data and data analytics becomes more critical for the success of Life Science organisations, cyber risks are becoming a major concern. Read more about how to effectively manage your organisation’s cyber risk. Read more »

2019 Cyber Security Risk Report

2019 Cyber Security Risk Report

Aon’s 2019 Cyber Security Risk Report features eight risks that may impact organisations in the next 12 months, no matter where they are on their digital journey Read more »

Will Brexit impact London FinTechs?

Will Brexit impact London FinTechs?

FinTech is pioneering innovation in a fast-evolving, competitive market where start-ups now rival established brands. But how will Brexit affect London’s status as the FinTech Hub of Europe? Read more »

Global Natural Catastrophe Report 2019

Global Natural Catastrophe Report 2019

Aon’s Chief Growth Officer, Rob Michael, discusses the big weather events of 2018 and the importance of good resilience planning for all UK businesses in regard to Aon’s Global Natural Catastrophe Report 2019. Read more »

The Big Pharma D&O Headache

The Big Pharma D&O Headache

Whilst the D&O insurance market as a whole has seen a general reduction in capacity and an increase in premium rates during the course of 2018, these changes have been magnified in relation to pharmaceutical companies, driven primarily by the adverse claims experience of insurers participating in this business sector. Read more »

Aon’s Benefits and Trends Survey 2019

Aon’s Benefits and Trends Survey 2019

Our Benefits and Trends Survey is now in its ninth year and we again draw on the responses of more than 200 participants across a broad range of sectors, representing employers with fewer than one hundred employees to those with many thousands. Read more »

Aon Approaches to Wellbeing in Sweden

Aon Approaches to Wellbeing in Sweden

A successful employee health benefits program can have a positive impact on employee engagement and productivity and ultimately on the company's profitability. Download our latest whitepaper on the Approaches to Wellbeing in Sweden. Read more »

Market Commentary - Large UK Solicitors' Firms

Market Commentary - Large UK Solicitors' Firms

After some evidence of a hardening market, with increases faced by some firms in 2017, the 2018 renewal season confirmed that we are entering a more difficult period for large UK based Solicitors firms... Read more »

Weather Volatility and Chronic Climate Risk: A Growing Capital Efficiency Gap

Weather Volatility and Chronic Climate Risk: A Growing Capital Efficiency Gap

When insurers hear ‘weather’ they typically think ‘catastrophe.’ Aon calculates that weather-related natural catastrophes were 97% of economic losses and 99% of insured losses globally in 2017 – the costliest year for weather-related losses in history. Read more »

Work Different

Work Different

Connected. Understood. Empowered. How to keep with the pace and not throw baby out with the bathwater? Read more »

Partnership by Accident or Omissione

Partnership by Accident or Omission

Sometime partnerships come into existence without any conscious decision being made that those involved want to be bound by all of the legal rules that apply to partners… Read more »

Political Risk – Quarterly Update

Political Risk – Quarterly Update

A confluence of variables—such as geopolitical tensions, populism, and trade wars—will create challenges for businesses in the near-term. Identifying such trends will help clients discover key risks and opportunities that will impact their business. Read more »

Connect your employees to your employee benefits

Connect your employees to your employee benefits

Aon have drawn together our experiences, combined with our expert knowledge and real-life examples to create our ‘How to increase Benefits Engagement’ guide. Download the guide now! Read more »

Using technology to solve your biggest HR challenges head on

Using technology to solve your biggest HR challenges head on

We’ve identified five of the top challenges we see employers face in organisations of all sizes, across a range of different industries. Read more »

Aon Benefits and Trends Survey 2018

Aon Benefits and Trends Survey 2018

Aon’s Benefits and Trends Survey draws on the responses of more than 200 participants from organisations of all sizes to reveal emerging trends in benefits provision in the UK. Read more »

Data Protection Class Actions and the Vengeful Employee: Implications of the recent Court of Appeal decision in Morrisons

Data Protection Class Actions and the Vengeful Employee: Implications of the recent Court of Appeal decision in Morrisons

Imagine a situation where an embittered, disgruntled employee steals personal information which he holds about other employees (name, address, bank details etc.) and decides to put it into the public domain… Read more »

EMEA Power Industry Report 2018

EMEA Power Industry Report 2018

This report brings together data from our 2017 Global Risk Management Survey (GRMS), the specialist knowledge of our power team and expert observations from other parts of the business. Read more »

Quantifying Systemic Cyber Risk

Quantifying Systemic Cyber Risk

Aon’s report exploring the connectedness in cyber risk. Read more »

A year on from P&H: 'Knowing your Customer' is key to survival

A year on from Palmer and Harvey: 'Knowing your Customer' is key to survival

Aon’s Credit Solutions’ experts Deborah Peters and Ian Leslie come together to discuss the recent increase in insolvencies for the food and drink sector. Read more

Brexit Update: Insurance contract continuity

Brexit Update: Insurance contract continuity

The issues that insurers face and considers the interplay between insurers’ contractual obligation to continue to service policies (including paying claims) versus the practical impact that local regulation might have on their ability to do so. Read more

Aon Global Financial Wellbeing Study November 2018

Aon Global Financial Wellbeing Study November 2018

Aon conducted a study of nearly 200 large multinational companies which gives, for the first time, an insight into what companies are already doing and planning to do in the financial wellbeing landscape. Read more

Regional Insight 2018: Are investors backing the UK?

Regional Insight 2018: Are investors backing the UK?

On Thursday 4 October, we welcomed guests to Villa Park Stadium to hear expert insights into the economic and political environment and to address the question ‘are investors backing the UK?’. Read more

The Contemporary Drivers of Mental Health

The Contemporary Drivers of Mental Health

We have selected a range of contemporary drivers of poor mental health to highlight the dynamic nature of our mental health & to illustrate the need for a broader approach to improving mental health through the workplace. Read more

Understanding your FinTech DNA to create a culture that truly stands out from the crowd

Understanding your FinTech DNA to create a culture that truly stands out from the crowd

Specialists from across the FinTech sector discuss FinTech companies, what sets them apart and how you can create a compelling culture at your firm Read more

The Evolution of Real Estate and real assets investment by insurers

The Evolution of Real Estate and real assets investment by insurers

Aon’s Gerard-Jan van Berckel discusses the evolution of real estate and property insurance while expanding on the growing significance of real estate debt to insurer investors. Read more

Government urged not to restrict lending to exporters

Government urged not to restrict lending to exporters

Aon is delighted to have been part of the annual BExA lunch on Wednesday 10 October 2018 which launched BExA’s 9th annual benchmarking report ‘UK Finance – Strategy and reality’ Read more

The risks in limiting single use plastic

The risks in limiting single use plastic

The move towards reusable containers, be it for food or drink, is here to stay. From an environmental standpoint this can celebrated however, reusable plastics do present new & challenging hygiene & contamination risks. Read more

Dispelling the myths behind insolvencies

Dispelling the myths behind insolvencies

In the last twelve months we’ve seen a whole raft of high profile names go out of business including Toys R Us, Maplin, Palmer & Harvey, as well as Carillion. Can all these really be one-offs? Read more

Retail crime and security: charting the future

Retail crime and security: charting the future

Has the retail industry thought enough about what rapid changes such as the increased use of technology and changing consumer behaviour mean when it comes to dealing with crime in 10-15 years’ time? Read more

Cyber risk and the supply chain

Cyber risk and the supply chain

Specialists from across the retail sector to discuss crime and security trends, and how retailers can best prepare and respond. Read more

Preparing for Cyber Insurance

Preparing for Cyber Insurance

Aon has participated in developing the ‘Preparing for Cyber Insurance’ guide with European industry bodies, BIPAR, FERMA and Insurance Europe, to help organisations understand their cyber risks and potential need for cyber insurance. Read more

Feel the heat

Feel the heat

How thermographic testing can help manage fire risk. Read more

Public Sector  - Getting the maximum benefit from your trading companies

Public Sector - Getting the maximum benefit from your trading companies

Setting up a local authority trading company offers a number of benefits to local authorities, but the insurance requires careful attention. Read more

Flying high – the opportunities and implications of drones

Flying high – the opportunities and implications of drones

Deborah Ball, Public Sector Practice Leader at Aon, looks at the opportunities, and insurance implications, Drones present to the public sector. Read more

local authorities - Is your event covered

Local authorities - Is your event covered

From Spring fairs to Christmas markets, local authorities arrange thousands of events every year. Ruth Murray, Client Director at Aon, explains how event insurance can save the day if the unexpected happens. Read more

Public Sector Market Update September 2018

Public Sector Market Update September 2018

Bill Sulman, Public Sector Chairman at Aon, explains, a combination of information, robust risk management and time can help an organisation secure competitive cover. Read more

Smart buildings need smarter risk management

Smart buildings need smarter risk management

Smart Buildings are growing quickly. Adam Peckman, Global Practice Leader for Cyber Risk Consulting at Aon explains why landlords are increasingly concerned over cyber security. Read more

The future of living and working

The future of living and working – is the property sector equipped to respond to our changing needs?

On 12 September 2018, delegates from across the real estate industry gathered in Aon’s Leadenhall office in London to listen and take part in a panel discussion on the future challenges confronting the property sector. Read more

Recovering stock when a customer goes into administration

Recovering stock when a customer goes into administration

Matthew Tuckey, Claims Director for Aon Credit Solutions, on why ensuring ‘Retention of Title’ terms and conditions are in place can be a lifeline for a supplier when a customer hits financial difficulty. Read more

Financial Lines Insurance Market Review – Q2 2018

Financial Lines Insurance Market Review – Q2 2018

In our last, March 2018, update we referred to the financial lines market as “showing a patchy response to several years of poor results” and as “inconsistent in its approach”.Little has changed, with, if anything, even more uncertainty affecting underwriters. Read more

Dealing with a merger in Public Services

Skeletons in the closet threatening Real Estate deals

How a $700m deal collapsed owing to accounting irregularities. Read more

Dealing with a merger in Public Services

Trading Perspective UK market

Market Insights, Technical Advice & Insurance Capacity updates from the Aon Credit Solutions team. Read more

Dealing with a merger in Public Services

Public Sector - preparing for blockchain

Blockchain is often associated with the cryptocurrency Bitcoin, but this technology has the potential to transform a wide range of operations. Aon’s public sector expert Bill Sulman, examines the benefits it could bring to the public sector. Read more

What public sector organisations need to know about Terror attacks today

What public sector organisations need to know about Terror attacks today

Terror attacks are changing, with today’s terrorists more likely to focus on mass casualties than generating property damage. Scott Bolton, Director at Aon explains how public sector organisations can respond to this change. Read more

Dealing with a merger in Public Services

Dealing with a merger in Public Services

Aon’s Public Sector expert, Bill Sulman, assesses the and looks at the risks and opportunities that can result when a local authority merger takes place. Read more

CO2 supplies go flat on food and drink industry

CO2 supplies go flat on food and drink industry

The recent shortage of CO2 shined a light on supply chain disruption and the need for businesses to ensure they have a robust risk management approach to handle the financial and reputational fallout. Read more

2018 Fintech Cybersecurity Predictions

2018 Fintech Cybersecurity Predictions

This year is a big year for FinTechs. With the arrival of PSD2 and GDPR in Europe, there are a number of new risks and regulations for FinTech companies to navigate. Read more

BEPS and its impact on captives – Aon at Airmic 2018

BEPS and its impact on captives – Aon at Airmic 2018

At this years Airmic conference in Liverpool Aon hosted a session on BEPS and its impact on captives. Read more

The risks from a vacant property

PSD2 vs GDPR: Can finance firms reconcile the incompatible?

How are firms meant to cope and remain compliant with both despite the conflict, especially given the threat of significant noncompliance penalties? Read more

The risks from a vacant property

Aon Global Risk survey - Airmic 2018 pulse survey

On the Aon Stand at the 2018 Airmic Conference we ran a ‘Pulse Survey’ with delegates to determine what they feel are the current top risks facing their business. Read more

The risks from a vacant property

No Let Out for Downtrodden Partners

Partnership law expert Andrew Cromby of Weightmans LLP considers whether a partner can ever be treated so badly that he is entitled to turn his back on the partnership and walk away… Read more

The risks from a vacant property

Social engineering crime

The growth in social engineering crime in recent years has been largely attributed to the level of improvements in firms’ physical and online security. Read more

The price of data security

The Fall and Rise of Cryptocurrency

From its somewhat mysterious origins as one of the earliest cryptocurrencies, Bitcoin has now made the transition into the mainstream financial world and occupies a prominent place in the global media. Read more

The risks from a vacant property

The risks from a vacant property

For landlords of vacated properties, there is not only the hit from loss of rental income to manage but also the increased risks of problems such as illegal squatting, fly-tipping, vandalism, metal theft, or fire and flood damage. Read more

The price of data security

Food for thought

Aon and South West Business Insider explore the biggest challenges facing the Food and Drink Industry Read more

The price of data security

Managing risk in the supply chain

From shipping delays to terrorism attacks and cyber hacks – managing the growing risks to the retail supply chain Read more

The price of data security

The price of data security

Aon has partnered with DLA Piper to provide insight into the insurability of GDPR fines across Europe and the potential financial impact of a data breach. Read more

GDPR Applicability to Expatriate Employees

GDPR Applicability to Expatriate Employees

The GDPR will affect nearly every aspect of a company’s operations, including its treatment of employment data. Read more

The Gender Pay Gap and Your Employment Practices Liability Contract

The Gender Pay Gap and Your Employment Practices Liability Contract

What does this mean for you and your organisation and will your Employment Practices Liability (“EPL”) contract meet the challenges ahead? Read more

Aon Meets - Paul Overeem

Aon Meets - Paul Overeem

We ask for Paul Overeem his career reflections, market predictions and who he would most like to sit next to at a dinner party. Read more

Supply chain financing unlocks working capital

Supply chain financing unlocks working capital

Supply chain financing unlocks working capital. Read more

Trading Perspectives USA

Trading Perspectives USA

In-depth risk analysis includes perspectives from our team on the ground, who are on the pulse of local market dynamics and macro-economic trends.Read more

Terrorism and Political Violence Risk Map

Terrorism and Political Violence Risk Map

The nature of terror attacks has changed significantly over the last 20 years, with today’s terrorists more likely to attempt to generate mass casualties than property damage.Read more

Future Shape of Credit Risk

Future Shape of Credit Risk

Future shape of credit solutions Bringing credit, structured credit, political risks and surety together. Read more

Too big to fail? - high profile insolvencies

Too big to fail? - high profile insolvencies

Credit risk profiling is changing for many businesses, following recent high profile insolvencies. Read more

Trading Perspectives Gulf Cooperation Council

Trading Perspectives Gulf Cooperation Council

Aon’s new Trading Perspectives report has a focus on the Gulf Cooperation Council market Read more

2018 Cybersecurity predictions

Cybersecurity 2018 Predictions

Cybersecurity 2018 Predictions: Companies Will Make Major Enterprise-Wide Changes to Address Cyber Risk. Read more

Lifecycle of a claim

Lifecycle of a claim

A comprehensive guide to the lifecycle of an insurance policy claim Read more

Why does the weather have to be an excuse for poor business performance?

Why does the weather have to be an excuse for poor business performance?

The use of data and analytics is transforming the way we understand and protect against this type of risk. Insurers have started to use big data in innovative new ways to create products to help companies ride out the unexpected weather conditions Read more

What does macro trends in Trade Credit mean for business?

What does macro trends in Trade Credit mean for business?

While every trading sector can be different it is worth noting that a toxic mix of huge debt, declining sales, shrinking customer base and cutthroat competition have laid the foundations of a number of business failures since the financial crisis. Read more

Important upcoming accounting standard changes

Important upcoming accounting standard changes

The new IFRS 9 rules, and equivalent US GAAP standards are aimed at increasing the accuracy and transparency of how credit risk is represented on a company’s Balance Sheet and P&L. Read more

Facilitation of tax offence

Criminal Finances Act 2017

The “Act” came into effect on 30 September as part of the Government’s crackdown on economic crime. Read more

How PSD2 will revolutionise FinTech

FinTech firms have transformed the financial landscape, but the challengers face their own potential disruptor. Read more