DUBLIN – November 04, 2026 -- Aon plc (NYSE: AON) will raise co-insurance under its Aon Client Treaty (ACT) to 35% from 1 January 2027, up from 28.5% in 2026, after renewing the facility with market partners.
The facility covers eligible business placed through Aon's Global Broking Centre and facultative reinsurance placed by Aon's Reinsurance Solutions. Aon said market support matched growing client demand for committed capacity.
ACT Client Dividend of 1.5% will apply to the larger 35% share
Where local law and regulation permit, and subject to eligibility, the 1.5% ACT Client Dividend will apply to the enlarged 35% share of each eligible placement. The dividend therefore covers a larger portion of each placement than it did in 2026.
QBE leads the facility with Lloyd's syndicate backing
QBE leads ACT, which is backed by Lloyd's syndicates. Lloyd's is rated AA- by S&P and A+ by AM Best. Clients that use ACT access its capacity on the same terms and pricing as the lead placement. Use is subject to client agreement, and Aon manages placements under its conflicts of interest framework.
Facultative reinsurance becomes a growth driver after late-2025 launch of support
ACT has supported facultative reinsurance since late 2025. Insurers placing large or complex individual risks through Aon can now access committed capacity, subject to eligibility criteria, for a larger portion of each placement.
Helene Madell, CEO of Aon's Global Broking Centre, said facultative reinsurance has quickly become one of the facility's most important growth areas, and that the move to 35% builds on that momentum.
Joe Peiser, CEO of Risk Capital at Aon, said the increase gives clients greater efficiency and confidence when placing risks.
ACT has placed more than $5 billion in gross written premium since 2016
Since its 2016 launch, ACT has placed more than $5 billion in gross written premium. Aon pairs the facility with Aon Digital Placement Exchange, Aon Broker Copilot and Aon Claims Copilot, tools it says are designed to streamline placement and claims and improve the client experience.