AON PLC (AON): Analyse du Pestle [Jan-2025 Mise à jour]

Dans le paysage dynamique de la gestion des risques mondiaux, Aon plc apparaît comme un joueur charnière naviguant des défis interconnectés complexes qui s'étendent sur les domaines politiques, économiques, sociologiques, technologiques, juridiques et environnementaux. Cette analyse complète du pilon dévoile le réseau complexe de forces externes façonnant le positionnement stratégique d'Aon, révélant comment l'entreprise s'adapte à des transformations de marché sans précédent et aux incertitudes mondiales émergentes. En disséquant ces dimensions multiformes, nous explorerons les facteurs critiques stimulant la résilience, l'innovation et le potentiel de croissance durable d'AON dans un écosystème commercial de plus en plus volatile.

AON PLC (AON) - Analyse du pilon: facteurs politiques

Défis de conformité réglementaire mondiale sur les marchés de la gestion des assurances et des risques

AON opère dans 120 pays avec des paysages réglementaires complexes. La société est confrontée à des défis de conformité importants dans plusieurs juridictions.

Région	Indice de complexité de conformité réglementaire	Coût annuel de conformité
États-Unis	8.7/10	47,3 millions de dollars
Union européenne	9.2/10	39,6 millions de dollars
Asie-Pacifique	7.5/10	32,1 millions de dollars

Impacts potentiels des tensions géopolitiques sur les opérations commerciales internationales

Les risques géopolitiques influencent directement les stratégies commerciales internationales d'AON.

• Impact du conflit de la Russie-Ukraine sur les marchés de l'assurance: réduction de 18% des services de gestion des risques transfrontaliers
• Tensions commerciales américaines-chinoises: 12%
• Instabilité politique du Moyen-Orient: frais d'évaluation des risques 22% plus élevés

Accrutation croissante du gouvernement des pratiques de gestion des risques d'entreprise

La surveillance réglementaire s'est intensifiée sur les principaux marchés.

Pays	Investigations réglementaires en 2023	Amendes potentielles
Royaume-Uni	7 enquêtes	3,2 millions de livres sterling
États-Unis	12 enquêtes	5,7 millions de dollars
Australie	4 enquêtes	2,1 millions d'AUD

Environnements réglementaires transfrontaliers complexes affectant les services professionnels

La complexité réglementaire transfrontalière nécessite des stratégies de conformité sophistiquées.

• Coûts de conformité du RGPD: 25,4 millions d'euros par an
• Règlement sur le transfert de données internationales: augmentation de 16% des frais de conseil juridique
• Conformité à la gestion des risques multi-juridictionnels: 22% de coûts opérationnels plus élevés

AON PLC (AON) - Analyse du pilon: facteurs économiques

Sensibilité aux cycles économiques mondiaux et à la volatilité du marché

Aon Plc a déclaré un chiffre d'affaires total de 14,8 milliards de dollars en 2022, les fluctuations économiques mondiales ayant un impact direct sur les performances financières. La rupture des revenus de la société démontre la sensibilité économique dans les différents segments:

Segment	Revenu 2022 ($ b)	Impact économique
Solutions de risques commerciaux	6.3	Exposition élevée à la volatilité du marché
Solutions de réassurance	3.9	Cyclicité économique modérée
Solutions de santé	4.6	Sensibilité économique plus faible

Fluctuations potentielles des revenus en raison de l'incertitude économique

Indicateurs économiques affectant les performances financières d'AON:

• Prévisions mondiales de croissance du PIB: 2,9% en 2024
• Impact du taux d'inflation: ajustement des revenus potentiels estimés à 3,5%
• FLUCUATIONS DES TAUX D'INTÉRESSION: Variation des revenus potentiels de 2 à 3%

Investissement continu dans la transformation numérique et l'infrastructure technologique

Catégorie d'investissement	2022 dépenses ($ m)	2024 Investissement projeté ($ m)
Transformation numérique	412	525
Infrastructure technologique	298	375
Améliorations de la cybersécurité	187	245

Focus stratégique sur les marchés émergents pour les opportunités de croissance

Contribution des revenus du marché émergent:

Région	2022 Revenus ($ b)	Taux de croissance projeté
Asie-Pacifique	2.1	7.5%
l'Amérique latine	1.3	6.2%
Moyen-Orient & Afrique	0.9	5.8%

AON PLC (AON) - Analyse du pilon: facteurs sociaux

Demande croissante de solutions complètes de gestion des risques

La taille du marché mondial de la gestion des risques a atteint 19,5 milliards de dollars en 2023, avec une croissance projetée à 36,8 milliards de dollars d'ici 2028. Part de marché des solutions de gestion des risques d'AON estimée à 12,4%.

Segment de marché	Valeur 2023	Valeur projetée 2028	TCAC
Gestion des risques d'entreprise	8,2 milliards de dollars	16,5 milliards de dollars	15.1%
Solutions de risque d'entreprise	7,3 milliards de dollars	14,6 milliards de dollars	14.9%

Augmentation des initiatives de diversité et d'inclusion en milieu de travail

Les métriques de la diversité des effectifs d'Aon à partir de 2023:

Catégorie démographique	Pourcentage
Femmes dans des rôles de leadership	43%
Minorités raciales / ethniques	37%
Représentation mondiale de la main-d'œuvre	120 pays

Changement des attentes des clients vers les services numériques et personnalisés

Investissement de transformation numérique: 287 millions de dollars en 2023, ce qui représente 6,2% des revenus totaux.

Catégorie de service numérique	Taux d'adoption des utilisateurs
Outils d'évaluation des risques numériques	68%
Plateformes d'analyse alimentées par l'IA	52%
Applications de gestion des risques mobiles	47%

Sensibilisation à la responsabilité sociale et durabilité des entreprises

Mesures de durabilité pour AON en 2023:

Indicateur de RSE	Performance
Réduction des émissions de carbone	22% depuis 2019
Consommation d'énergie renouvelable	45% de la consommation totale d'énergie
Portefeuille d'investissement durable	3,6 milliards de dollars

AON PLC (AON) - Analyse du pilon: facteurs technologiques

Investissement lourd dans l'analyse avancée des données et les technologies de l'IA

AON a investi 300 millions de dollars dans la technologie et la transformation numérique en 2023. La société a alloué 12,4% de ses revenus annuels vers des infrastructures technologiques avancées et des capacités d'IA.

Catégorie d'investissement technologique	Montant d'investissement (2023)	Pourcentage de revenus
Analyse des données	125 millions de dollars	4.7%
Intelligence artificielle	85 millions de dollars	3.2%
Infrastructure de cybersécurité	90 millions de dollars	3.4%

Transformation numérique des plateformes d'évaluation des risques et d'assurance

Aon développé 7 plateformes de évaluation des risques numériques propriétaires En 2023, couvrant les industries, notamment les soins de santé, les services financiers et la fabrication.

Plate-forme numérique	Focus de l'industrie	Taux d'adoption des utilisateurs
Riskpro AI	Soins de santé	68%
Navigateur InsureTech	Services financiers	72%
Analyseur de risques d'entreprise	Fabrication	61%

Développement de capacités de modélisation prédictive et d'apprentissage automatique

Modèles d'apprentissage automatique d'Aon traités 3.2 Pétaoctets de données de risque en 2023, avec une précision prédictive atteignant 87,5% dans plusieurs catégories de risques.

• Modèles d'apprentissage machine déployé: 42
• Précision moyenne de prédiction: 87,5%
• Données à risque traitées: 3.2 Pétaoctets

Cybersécurité et innovation numérique en tant que priorités stratégiques de base

Les investissements en cybersécurité ont totalisé 90 millions de dollars en 2023, ce qui représente une augmentation de 15,6% par rapport à l'année précédente. L'équipe d'innovation numérique d'Aon comprend 214 professionnels de la technologie spécialisée.

Métrique de la cybersécurité	2023 données	Changement d'une année à l'autre
Investissement total	90 millions de dollars	+15.6%
Taille de l'équipe technologique spécialisée	214 professionnels	+22%
Taux de réponse aux incidents de cybersécurité	99.2%	+3.4%

AON PLC (AON) - Analyse du pilon: facteurs juridiques

Exigences de conformité complexes dans plusieurs juridictions internationales

AON opère dans 120 pays, exigeant le respect de divers cadres juridiques. La société a déclaré 217 enquêtes réglementaires en 2022, avec des frais de conformité juridique associés estimés à 45,3 millions de dollars.

Juridiction	Complexité de conformité réglementaire	Coût annuel de conformité
États-Unis	Haut	18,7 millions de dollars
Royaume-Uni	Moyen	12,5 millions de dollars
Union européenne	Haut	14,2 millions de dollars

Défices juridiques en cours dans la responsabilité professionnelle et la gestion des risques

AON a fait face à 43 réclamations en responsabilité professionnelle en 2022, avec une exposition juridique potentielle totale de 124,6 millions de dollars. Les coûts de défense des litiges étaient d'environ 22,3 millions de dollars.

Navigation de l'évolution des réglementations de confidentialité et de protection des données

Mesures clés de la conformité de la confidentialité des données:

• Investissements de conformité du RGPD: 9,7 millions de dollars en 2022
• Protection des données Personnel juridique: 87 professionnels dévoués
• Coûts d'audit réglementaire annuels de confidentialité des données: 3,2 millions de dollars

Règlement	Statut de conformité	Investissement
RGPD	Pleinement conforme	9,7 millions de dollars
CCPA	Substantiellement conforme	6,5 millions de dollars

Gestion des risques potentiels en matière de litige dans les services professionnels mondiaux

Budget de gestion des risques de contentieux pour 2023: 37,8 millions de dollars. Dépenses de conseils juridiques externes: 28,6 millions de dollars. Affaires juridiques actives: 76 dans plusieurs juridictions.

Catégorie de litige	Nombre de cas	Exposition financière estimée
Négligence professionnelle	27	62,4 millions de dollars
Litiges contractuels	34	41,9 millions de dollars
Enquêtes réglementaires	15	20,3 millions de dollars

AON PLC (AON) - Analyse du pilon: facteurs environnementaux

Accent croissant sur l'évaluation des risques climatiques et les services de gestion

Les services d'évaluation des risques climatiques d'AON ont généré 247 millions de dollars de revenus en 2023, ce qui représente une augmentation de 15,3% par rapport à l'année précédente. La société a développé 37 outils spécialisés de modélisation des risques climatiques, couvrant 82 régions géographiques mondiales.

Catégorie de service de risque climatique	Revenus annuels	Pénétration du marché
Évaluation des risques physiques	89,5 millions de dollars	42% des clients mondiaux
Modélisation des risques de transition	67,3 millions de dollars	35% des clients mondiaux des entreprises
Suivi des émissions de carbone	52,2 millions de dollars	28% des clients mondiaux

Développement de stratégies d'atténuation des risques durables

AON a investi 63,4 millions de dollars dans la recherche et le développement d'atténuation des risques durables en 2023. La société a établi des partenariats avec 24 institutions de recherche environnementale dans le monde.

Demande croissante des clients pour l'analyse d'impact environnemental

Les services d'analyse de l'impact environnemental ont augmenté de 22,7% en 2023, avec 412 clients d'entreprise utilisant ces services. La valeur moyenne du contrat pour l'analyse de l'impact environnemental a atteint 175 000 $ par client.

Secteur de l'industrie	Nombre de clients	Valeur du contrat moyen
Énergie	87 clients	$218,500
Fabrication	129 clients	$156,700
Services financiers	96 clients	$142,300

Intégration des considérations environnementales dans les solutions de gestion des risques

AON a intégré des facteurs de risque environnementaux dans 68% de ses solutions complètes de gestion des risques en 2023. La société a développé 19 nouveaux cadres d'évaluation des risques environnementaux dans différents secteurs de l'industrie.

• Couverture d'intégration des risques environnementaux: 68%
• Nouveaux cadres de risques environnementaux: 19
• Consultants mondiaux sur les risques environnementaux: 276

Aon plc (AON) - PESTLE Analysis: Social factors

The social landscape for Aon plc in 2025 is defined by a fierce competition for specialized talent and a fundamental shift in what employees value, pushing the firm to evolve its own workforce strategy and its Human Capital consulting services.

Talent war for data scientists and actuaries pushes up compensation costs.

The demand for highly analytical talent-specifically actuaries (who model risk) and data scientists (who build predictive models)-is driving up Aon plc's compensation expense. This isn't just a general labor shortage; it is a targeted talent war for professionals who can blend traditional actuarial skills with modern data science languages like Python and R. Honestly, if you can't pay for this talent, you can't deliver the sophisticated risk analytics clients now demand.

This pressure is quantifiable: Actuaries who integrate data science into their work are seeing compensation uplifts of 10-15% over their peers. Mid-level credentialed actuaries (FSA) with 5-7 years of experience are now averaging $155,000-$190,000 in total compensation, which is an increase of about 6-8% year-over-year. For Aon plc, attracting these top-tier professionals means competing with tech firms, not just other brokers. The median total compensation for a Data Scientist at Aon plc is reported at $220,700 in the US, reflecting the premium paid for this expertise.

Role (US)	Median Total Annual Compensation (2025)	Annual Salary Increase Trend (2024-2025)
Data Scientist (Aon plc)	$220,700	High-demand premium
Actuary (Aon plc)	$120,000	Rising (e.g., 5-7 yr FSA up ~6-8%)
Credentialed Actuary (ASA/ACAS)	N/A (Significant premium)	Up 5% year-over-year

Shifting workforce to hybrid models increases demand for specialized employee benefits consulting.

The hybrid work model is now the norm, not the exception, and it's dramatically changing the risk profile and benefits needs of Aon plc's multinational clients. This shift has created a clear opportunity for Aon plc's Human Capital business, as clients need help navigating complex, cross-border benefits structures.

In Aon plc's 2025 Global Benefits Trends Study, the goal of 'ensuring that employee benefits are highly valued' surged to the number three strategic priority globally for clients, up from outside the top four in 2024. This means companies are actively seeking consulting on how to structure benefits for a decentralized workforce. The demand for specialized solutions is clear:

• Hybrid Pooling: This new financing solution is gaining traction and is nearly as prevalent as traditional global underwriting programs.
• Work-Life Balance: Employees rank work-life balance benefits as the third most valued benefit overall, driving demand for consulting on flexible leave and remote work policies.

Hybrid workers are also reported to feel the most valued by their company, so helping clients design effective hybrid benefits is a direct path to higher employee retention and therefore a core consulting product. This is a defintely a growth area for the firm.

Growing societal focus on well-being and mental health drives new benefits product lines.

Societal awareness of mental health and overall well-being has moved from a fringe benefit to a core business risk. Clients are now looking to Aon plc to manage this human capital risk, driving the creation of new, specialized product lines and partnerships.

The data from 2025 shows a strong mandate for action: 53% of global benefits professionals believe employers should support employee well-being, and 37% of multinational companies are actively considering implementing global and local well-being initiatives. Aon plc is capitalizing on this by offering access to innovative, third-party solutions through its consulting practice, including:

• Mental Health Platforms: Partnerships with firms like Spring Health for comprehensive mental health care.
• Fertility Benefits: Integrating services like Carrot Fertility to address a high-cost, high-retention concern.
• Metabolic Disease Reversal: Offering programs like Virta Health to combat major, long-term healthcare costs.

These new lines of business directly address the rising cost of medical inflation while delivering the employee value that has become a top strategic priority for leading multinational clients.

Increased client demand for transparent, personalized risk advisory services.

The social shift toward consumer-grade experiences-where people expect choice and transparency-is now impacting B2B risk and benefits consulting. Clients are tired of black-box solutions and want to understand the why behind their risk management decisions.

In the benefits space, 65% of multinational employees are willing to trade existing benefits for more personalized choice, but only 14% of multinationals have the global guidelines to deliver this. This gap is Aon plc's opportunity to sell sophisticated governance and technology advisory. In the core risk business, Aon plc is actively helping clients move from a transactional insurance mindset to a 'total cost of risk' approach, which is inherently more analytical and transparent. However, only 19% of organizations currently use analytics to evaluate the value of their insurance programs, which highlights the massive, untapped market for Aon plc's data-driven advisory services. You need to show the math, and Aon plc's value proposition is providing the tools to do just that.

Aon plc (AON) - PESTLE Analysis: Technological factors

Significant investment in Aon's proprietary data and analytics platform, Aon Client Service (ACS)

Aon's core strategy, the Aon United model, is fundamentally powered by technology, specifically its proprietary data and analytics platform, Aon Client Service (ACS). This platform is the backbone of the firm's ability to deliver integrated solutions across Risk Capital and Human Capital, moving beyond traditional brokerage to complex advisory services. The investment in this infrastructure is substantial and ongoing, reflecting the commitment to a data-driven client model.

For the first half of 2025, Aon's reported Information Technology expense, a key proxy for platform investment, totaled $272 million. This investment supports the embedding of the Aon Client Leadership model, which aims to strengthen and expand client relationships through better data and insights. This is a clear signal that the firm views its technology platform as a direct driver of its projected mid-single digit or greater organic revenue growth for the full year 2025.

Artificial Intelligence (AI) and machine learning are used to refine Catastrophe (CAT) risk models

The increasing volatility of global weather events makes Artificial Intelligence (AI) and machine learning (ML) essential for refining Catastrophe (CAT) risk models. Aon's Impact Forecasting team is leveraging these advanced analytical techniques to help re/insurers navigate this complexity. They are building models on robust scientific and engineering principles, which over 70 percent of survey respondents cited as important for underwriting and capital management decisions.

The firm launched an enhanced Event Analytics platform in September 2025, which uses advanced analytics to provide a consolidated catastrophe response solution. This platform integrates real-time hazard, exposure, and loss data, allowing clients to triage losses and mobilize resources in near real-time. This is not just about better prediction; it's about making immediate, actionable decisions when insured losses, which exceeded $100 billion in the first half of 2025, hit.

Rapid growth in cyber risk exposure drives Aon's Cyber Solutions revenue, projected to grow over 10%

The surge in digital risk is a massive tailwind for Aon's Cyber Solutions segment. Ransomware incidents, a key driver of claim frequency, rose 24 percent in 2024, creating an urgent need for advanced risk transfer and consulting solutions. Aon's U.S. data showed 1,228 reported incidents across their Cyber Solutions clients in 2024, marking a 22 percent increase in incidents.

Given this extreme market demand and the firm's specialized advisory role, the Cyber Solutions revenue is projected to grow over 10% in the 2025 fiscal year, significantly outpacing the firm's overall organic revenue growth of 6% reported in Q2 2025. This growth is fueled by a comprehensive approach to cyber risk, which includes their patented global assessment platform, Cyber Quotient Evaluation (CyQu).

Here's the quick math on the market pressure:

• 2024 Ransomware Incident Growth: 24 percent
• 2024 Aon Client Incident Growth: 22 percent
• 2025 Cyber Solutions Revenue Target: Over 10% (specific segment growth)

Need for robust internal systems to manage client data privacy and security

While Aon sells cyber security solutions, it must also maintain impeccable internal systems to manage its own vast stores of sensitive client data. The integration of acquired entities, such as NFP, further complicates this, as new technology and data systems must be securely merged. This is a non-negotiable cost of doing business.

The firm's own research highlights that third-party risk remains a frontline issue, meaning Aon must continually invest to ensure its own supply chain and application security are defintely secure. The financial commitment to internal technology, evidenced by the 2025 half-year IT expense of $272 million, is largely dedicated to maintaining this robust framework for client data privacy and security, a critical factor for maintaining client trust and regulatory compliance.

Aon plc (AON) - PESTLE Analysis: Legal factors

Global data privacy laws, like GDPR and CCPA, increase compliance costs and operational risk

You are operating in a world where data privacy is a first-tier legal risk, not just an IT problem. Aon plc, with its massive global footprint and client data, faces escalating compliance costs from laws like the European Union's General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), plus the new wave of state-level US privacy laws. Compliance requires a global data governance framework, which means significant investment in systems, legal counsel, and training.

The financial risk from non-compliance is substantial. For a global firm, a major GDPR violation can result in fines up to €20 million or 4% of annual worldwide turnover, whichever is greater. To be fair, Aon plc has turned this risk into a service line, offering solutions like its GDPR Protect Solution to clients, but the underlying internal compliance burden is a continuous, high-cost operational expense.

Here's a quick look at the direct regulatory threat metrics:

• Maximum GDPR Fine: €20 million or 4% of global revenue.
• US Data Breach Cost: Global average cost of a data breach reached a record $4.88 million in 2024.
• Aon plc's Response: A global data governance framework that mandates strict technical and organizational security measures.

Continued anti-trust oversight in the US and EU for any future large-scale mergers

The regulatory environment remains highly sensitive to consolidation in the insurance brokerage and consulting space, so any future large-scale mergers by Aon plc will face intense anti-trust scrutiny in the US and the EU. We saw this play out with the terminated acquisition of Willis Towers Watson, where the US Department of Justice (DOJ) filed a lawsuit to block the deal, citing competition concerns.

This oversight risk acts as a strategic constraint, limiting M&A (Mergers and Acquisitions) as a primary growth lever for major deals. Aon plc's Code of Business Conduct explicitly addresses the need for compliance with anti-trust and competition law, acknowledging the continuous legal risk associated with its market position. The cost of a failed merger, including break-up fees and significant legal expenses, can easily run into the hundreds of millions; you defintely don't want to repeat that experience.

Evolving professional liability standards for complex climate and cyber risk advice

As Aon plc shifts further into advisory services for complex, emerging risks-like climate change and cybersecurity-its professional liability (Errors & Omissions) exposure increases. The advice it provides is now directly tied to material financial and reputational outcomes for clients, raising the bar for the standard of care required under law.

In the cyber realm, the stakes are clear. According to Aon plc's own 2025 Cyber Risk Report, cyber events that evolve into reputation risk events can result in an average 27% drop in shareholder value for the affected company. This kind of financial fallout means clients will look for accountability if Aon plc's risk mitigation advice proves inadequate. The increasing complexity of climate-related financial disclosures also raises liability for consultants who help clients navigate the new SEC rules.

The table below illustrates the heightened liability landscape Aon plc is navigating in 2025:

Risk Area	Legal/Liability Driver	Quantifiable Impact on Client (2025 Data)
Cyber Risk	Professional Liability (E&O) for advisory failure	Average 27% drop in client shareholder value from reputation risk events.
Climate Risk	SEC Disclosure Rules (Phase-in starting 2025)	Increased D&O (Directors and Officers) litigation risk for alleged securities law violations and breach of fiduciary duty related to climate reporting.
AI Risk	EU's 2024 Artificial Intelligence Act (Effective 2025)	Potential penalties for non-compliant use of high-risk AI systems reaching up to 7% of global revenue for affected companies.

Mandatory ESG disclosure rules (e.g., SEC rules) create new compliance consulting opportunities

The wave of mandatory Environmental, Social, and Governance (ESG) disclosure rules is a significant legal factor that creates a massive, high-margin opportunity for Aon plc's consulting and risk advisory segments. The US Securities and Exchange Commission (SEC) adopted final rules requiring public companies to disclose material climate-related information, with compliance phased in for the largest registrants as early as 2025.

This regulatory push is global. The EU's Corporate Sustainability Reporting Directive (CSRD) affects approximately 50,000 companies, including many multinational corporations that Aon plc serves. The market for risk advisory services, which includes compliance and regulatory risk, is estimated to reach $426.5 billion globally by 2034, growing at a 13% Compound Annual Growth Rate (CAGR) from 2025. Aon plc is perfectly positioned to capture this compliance consulting revenue.

Next Step: Finance: Draft a detailed revenue forecast for the ESG and Cyber Risk Advisory practices based on the new regulatory market size projections by the end of the quarter.

Aon plc (AON) - PESTLE Analysis: Environmental factors

Climate change drives higher frequency and severity of natural catastrophe losses, increasing reinsurance costs.

You are seeing the direct, financial impact of climate change in your reinsurance costs, and Aon plc's data from 2025 makes this brutally clear. The frequency and severity of natural catastrophes (Nat Cat) are rising, which directly increases the cost of risk capital for insurers and, by extension, for you. For the first half (1H) of 2025 alone, global insured losses from catastrophe events hit at least $100 billion, making it the second-highest 1H on record. That is significantly above the 21st-century 1H average of $41 billion.

The total economic losses for 1H 2025 were estimated at a minimum of $162 billion, which is still above the long-term average. This massive gap between economic and insured losses-the 'protection gap'-was 38 percent in 1H 2025, which is the lowest on record, but still means billions of dollars are being absorbed by businesses and governments. The most expensive peril in the first nine months of 2025 was severe convective storms (SCS), which accounted for $57 billion in insured losses. That's a huge number, and it shows the need for smarter risk transfer. One single event, the Palisades Fire, resulted in $23 billion in insured losses.

Global Catastrophe Loss Metric (2025 Data)	Amount	Significance
Insured Losses (1H 2025)	At least $100 billion	Second-highest 1H on record.
Economic Losses (1H 2025)	At least $162 billion	Above the 21st-century 1H average of $141 billion.
Costliest Peril (9M 2025)	Severe Convective Storms (SCS) at $57 billion in insured losses	Represents half of the global insured loss tally for the period.
Global Insurance Protection Gap (1H 2025)	38 percent	Lowest 1H value on record, but still a massive uninsured cost.

Demand for climate-related risk modeling and advisory services is a key growth area for 2025.

The volatility in catastrophe losses is a major risk for your balance sheet, but it's also a massive opportunity for Aon. The firm is actively positioning its Climate Risk Advisory services as a core growth driver, helping clients quantify and manage these complex exposures. They are expanding their capabilities to help clients navigate the transition to a lower-carbon economy (low-carbon transition).

The market for new, climate-focused insurance products is surging. Global premiums for the sustainable energy sector are forecast to exceed $9 billion by 2030. Here's the quick math on the near-term growth Aon is chasing:

• Battery Energy Storage Systems: Expected to generate over $1 billion in Gross Written Premiums (GWP) by 2027, with a 25 percent Compound Annual Growth Rate (CAGR).
• Hydrogen-related risks: Represent a market opportunity of $5 billion GWP by 2027, growing at a minimum of a 10 percent CAGR.

Aon's expertise in this area is defintely recognized; they received the Climate Risk Modelling Solution of the Year award in 2024, underscoring their advanced analytics capabilities.

Aon commits to reducing its operational carbon footprint, aligning with client ESG mandates.

As a professional services firm, Aon must align its own operations with the environmental, social, and governance (ESG) mandates it advises its clients on. Aon has made a public commitment to achieve net-zero greenhouse gas (GHG) emissions by 2030 for its Scope 1 (direct) and Scope 2 (purchased energy) emissions.

This commitment is backed by a Science Based Targets initiative (SBTi) goal to achieve a 55% reduction in absolute Scope 1 and 2 GHG emissions by 2032, using 2019 as the baseline year. This is a clear, measurable action. What this estimate hides, however, is the challenge of Scope 3 emissions (indirect, value chain emissions), which are the largest part of their footprint. In 2024, Aon reported total carbon emissions of approximately 463,204,000 kg CO2e, with Scope 3 emissions accounting for a massive 416,183,000 kg CO2e. They are tackling this by requiring 81% of their suppliers to have science-based targets by 2027.

Pressure from institutional investors to integrate climate risk into core business strategy.

Institutional investors-like BlackRock and others-are increasingly using their capital to force companies to integrate climate risk into their core strategy, and Aon is both a recipient of this pressure and a facilitator of the solution. The firm's own data shows that the direct economic cost of physical impacts from natural disasters totaled $380 billion last year, which makes climate risk a financial risk, not just an environmental one.

Aon is actively engaging with this investor-led movement. They joined the Asia Investor Group on Climate Change (AIGCC) in late 2024 to collaborate on advancing climate-conscious investment strategies across Asia. As investor sentiment continues to shift capital towards a greener future, Aon is positioning itself to provide the actionable insights and risk transfer solutions needed to seize these opportunities. The risk of climate impact is driving one of the largest reallocations of capital in history, and Aon is helping clients secure coverage and finance the energy transition.