Aon is a global professional services firm that provides risk and human capital consulting, brokerage, and advisory services to clients across nearly every industry through offices in over 120 countries. The company operates two primary business segments: Risk Capital, which offers commercial risk and reinsurance brokerage and consulting services leveraging proprietary analytics and global distribution facilities; and Human Capital, which provides health and benefits consulting, wealth management, and retirement advisory services to multinational employers and institutional investors. Aon generates recurring revenues through commissions from insurance and reinsurance placements, consulting and analytics fees, and administrative charges, with no single client representing more than a small percentage of total revenue, providing diversified and stable cash flows across geographies and industries.