Aon plc filed an 8-K press release on November 4, 2026, announcing the renewal and expansion of its Aon Client Treaty (ACT) facility, increasing co-insurance capacity from 28.5% to 35% effective January 1, 2027.

Key Highlights

  • Co-insurance rate increase: ACT will enable 35% co-insurance on eligible business placed through Aon's Global Broking Centre and on facultative reinsurance placed by Aon's Reinsurance Solutions, up from 28.5%.
  • Effective date: The expanded terms take effect from 1 January 2027.
  • Client Dividend: The 1.5% ACT Client Dividend will apply to the larger 35% share, where permitted by local law and regulation and subject to eligibility.
  • Facility backing: The facility is led by QBE and backed by Lloyd's syndicates; Lloyd's is rated AA- by S&P and A+ by AM Best, according to the filing.
  • Facultative reinsurance focus: The filing notes the 2027 expansion is "particularly significant for facultative reinsurance," which ACT has supported since late 2025.
  • Cumulative volume: Since its launch in 2016, ACT has placed more than $5 billion in gross written premium, according to the filing.

Aon Expands ACT Capacity and Dividend Reach Ahead of 2027

According to the filing, Aon plc (NYSE:AON) announced on November 4, 2026, that its Aon Client Treaty has been successfully renewed and will increase its co-insurance share to 35% beginning January 1, 2027. The facility covers eligible business placed through Aon's Global Broking Centre and facultative reinsurance placed by Aon's Reinsurance Solutions. The increase from 28.5% was described in the filing as reflecting "strong support from market partners" that has matched growing client demand for committed capacity.

The filing states that the 1.5% ACT Client Dividend, available where permitted by local law and regulation and subject to eligibility, will now apply to the larger 35% co-insurance share. The facility is led by QBE and backed by Lloyd's syndicates. Clients who use ACT access capacity "on the same terms and pricing as the lead placement," according to the filing, and use of the facility is subject to client agreement. Aon stated it manages placements in line with its conflicts of interest framework.

The company noted the 2027 expansion is "particularly significant for facultative reinsurance," an area ACT has supported since late 2025, allowing insurers placing large or complex individual risks through Aon to access committed capacity for a larger portion of each placement, subject to eligibility criteria. The filing also referenced ACT's cumulative milestone of more than $5 billion in gross written premium since its 2016 launch, and cited it alongside Aon Digital Placement Exchange, Aon Broker Copilot, and Aon Claims Copilot as part of the firm's "continued investment in broking innovation."

What Was Disclosed

Aon plc disclosed the renewal of its Aon Client Treaty at an increased 35% co-insurance level, effective January 1, 2027, up from 28.5%, with the 1.5% ACT Client Dividend applying to the expanded share where eligible, and with the facility led by QBE and backed by Lloyd's syndicates.