Aon Launches Aon Broker Copilot to Modernize Insurance Placement with AI and Data at Scale
- Platform captures comprehensive data from all submissions (quoted, bound, or declined) enabling better market insights
- Integration with Risk Analyzer suite and access to one of industry's largest structured risk trading databases
- Part of $1 billion investment commitment to enhance decision-making capabilities
- Planned expansion to additional business lines and geographies through 2025-2026
- Initial rollout limited to only U.S. National Property and London Global Broking Centre Property teams
- Significant investment and transformation costs associated with platform development and implementation
Insights
Aon's AI-powered Broker Copilot platform represents a significant competitive advantage through data-driven insurance placement capabilities.
Aon's launch of Broker Copilot marks a strategic technological leap in commercial insurance placement. This proprietary platform leverages AI, large language models, and predictive analytics to transform how insurance brokers operate, addressing a critical industry pain point.
What makes this platform particularly valuable is its ability to capture and structure data from all submissions - whether quoted, bound, or declined. This comprehensive data approach creates an unprecedented market intelligence resource that moves beyond anecdotal insights to data-driven decision-making.
The platform's integration with Aon's Risk Analyzer suite provides brokers with real-time analytics at the point of decision, allowing for higher-quality submissions and more strategic carrier engagement. This directly addresses the information asymmetry that has historically challenged insurance placement.
Aon's strategic rollout plan indicates careful implementation, starting with U.S. National Property and London Global Broking Centre Property teams before expanding across business lines and geographies through 2025-2026. This phased approach suggests thoughtful scaling rather than rushed deployment.
From a competitive standpoint, Aon's $1 billion commitment to technology deployment positions them at the forefront of the insurance brokerage digital transformation. As the industry shifts toward more data-driven operations, this investment creates significant barriers to entry for smaller competitors who lack the resources to develop similar capabilities.
The platform's ability to provide real-time intelligence on pricing, carrier appetite, and market sentiment represents a substantial value proposition for clients navigating increasingly complex risk environments, potentially strengthening client retention and acquisition.
Firm is undertaking one of the most ambitious digital transformations across the broker universe
Developed in-house and co-designed with the firm's frontline brokers, Aon Broker Copilot is designed to streamline complex workflows, elevate placement strategy and deliver better outcomes for clients navigating an increasingly volatile risk environment.
"Aon Broker Copilot equips our brokers with the tools to lead with insight powered by client priorities and real-time data," said Clyde Bernstein, head of placement technology and trading analytics for Aon. "For the first time, we're capturing and structuring data across all submissions—quoted or not taken up—so we can provide brokers and clients with live intelligence of pricing, carrier appetite and market sentiment. It's a smarter, faster way to make better decisions."
By capturing and standardizing data from every submission—whether quoted, bound, or declined—Aon Broker Copilot provides an unprecedented view into how the global insurance market is pricing risk. This comprehensive dataset allows Aon to move beyond anecdotal insights, enabling brokers to deliver sharper, real-time advice to clients based on actual market behaviour, not just completed deals. It fills a critical intelligence gap, helping clients make better decisions in a dynamic and competitive environment.
The platform integrates seamlessly with Aon's suite of Risk Analyzer and is powered by one of the industry's largest repositories of structured risk trading data. It enables Aon's brokers to surface analytics at the point of decision, prepare higher-quality submissions and engage with carriers in a more strategic and insightful manner.
"As risk becomes more complex, the future of broking will belong to firms that can combine expertise with intelligence at scale. Aon Broker Copilot reflects how Aon is undertaking one of the most ambitious digital transformations across the broker universe. The platform is the next step in predictive broking, enabling our brokers to operate with greater precision, consistency and insight to deliver better outcomes for our clients around the world," said Joe Peiser, CEO of Commercial Risk for Aon. "The industry is undergoing a fundamental shift."
"We're redefining how capital matches risk, harnessing digital innovation to deliver faster, smarter solutions that help our clients tackle emerging challenges before they escalate. By staying ahead of new and evolving threats, we ensure our clients are resilient, informed and primed to grow in a world where their most valuable assets are now intangible not physical."
Launching first with Aon's
Aon Broker Copilot also demonstrates the firm's 3x3 Plan in action—raising the bar on service delivery and scaling innovation across the firm. Specifically, in 2024, Aon committed
With Aon Broker Copilot, the firm advances that mission and modernizes the business of broking, bringing together the firm's global scale, proprietary data and AI capabilities to help clients access capital with greater speed, clarity and confidence.
About Aon
Aon plc (NYSE: AON) exists to shape decisions for the better — to protect and enrich the lives of people around the world. Through actionable analytic insight, globally integrated Risk Capital and Human Capital expertise, and locally relevant solutions, our colleagues provide clients in over 120 countries with the clarity and confidence to make better risk and people decisions that protect and grow their businesses.
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