Aon plc is a leading global professional services firm that provides risk management and human capital solutions through its integrated Risk Capital and Human Capital businesses. The company delivers actionable analytic insight globally while offering locally relevant services to clients in more than 120 countries across virtually every industry. This diversification helps stabilise earnings amid shifting economic conditions.

Aon generates revenue primarily from commissions and fees for brokerage consulting and advisory activities. These include payments from insurance and reinsurance carriers for placement services and consulting fees from clients for risk and talent advice. The firm also earns income from capital markets activities such as insurance linked securities underwriting and strategic advisory work.

The company operates through the following segments: Risk Capital and Human Capital.

• Risk Capital comprises Commercial Risk Solutions and Reinsurance Solutions which together provide brokerage consulting and capital market services to help clients manage risk transfer and investment strategies. Commercial Risk Solutions offers insurance and specialty brokerage global risk consulting captive management and affinity programs organized by industry and product lines such as property casualty financial and professional lines construction transportation energy cyber surety trade credit crisis management transaction liability and climate. Reinsurance Solutions includes treaty and facultative reinsurance strategy and technology group and capital markets activities that enable clients to efficiently deploy capital and access innovative risk transfer solutions.

• Human Capital consists of Health Solutions and Wealth Solutions delivering consulting brokerage and advisory services focused on employee wellbeing compensation and retirement planning. Health Solutions provides health and benefits consulting consumer benefits design talent advisory and compensation services that support workforce strategy and regulatory compliance across more than 120 countries. Wealth Solutions offers retirement consulting pension administration and investment advisory services including master trusts pooled employer plans and delegated investment management for defined benefit and defined contribution plans.

Aon holds a strong position among global insurance brokers and professional services firms competing with peers such as Marsh McLennan Willis Towers Watson Arthur J Gallagher and Lockton. The company differentiates itself through its integrated risk and human capital expertise its global scale and its capital light recurring revenue business model. These advantages enable Aon to maintain stable cash flow and to attract clients seeking comprehensive risk and talent solutions.

Aon serves a diverse client base that includes corporations public entities and other organisations across virtually every industry and in more than 120 countries. No single client accounts for more than one percent of total revenue and no single insurance carrier represents more than ten percent of the premiums placed on behalf of clients.