Real Estate Practice. Fact-Based Solutions for Real Estate Risk Management. Risk. Reinsurance. Human Resources.

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1 Aon Risk Solutions Real Estate Practice Real Estate Practice Fact-Based Solutions for Real Estate Risk Management Risk. Reinsurance. Human Resources.

2 Today s Real Estate Risk Trends and Priorities Our Strong Foundation: Aon has extensive experience covering all sectors of the real estate industry. Unified by global operating guidelines and common technology platforms, Aon has more than 66,000 colleagues in over 120 countries to collaborate and create solutions customized to your local and global challenges. Top Risks for the Real Estate Industry Damage to reputation/brand Economic slowdown/slow recovery Property damage Increasing competition Regulatory/legislative changes Third party liability Asset value volatility Capital availability/credit risk Directors & Officers personal liability Interest rate fluctuation Comprehensive Solutions for the Real Estate Industry Aon s Real Estate Practice provides solutions designed for real estate owners, managers and developers. Multifamily Office Retail Industrial Hospitality Developments * 2015 Global Risk Management Survey Real Estate Practice 1

3 Go with the Leader Our fact-based approach has helped us become the industry s leading insurance broker. Aon has the expertise, size, market influence, and relationships with carriers to help better manage all your real estate risk management needs. We provide a comprehensive range of traditional and specialized risk management solutions. These include: Property Casualty Environmental Construction Actuarial/Captive Management Claims Advocacy Financial Services Terrorism/Crisis Management Catastrophe Modeling Complex Claims Rapid Response Surety Health & Benefits Including over + 1 billion in real estate insurance premiums. Aon places more than + 50 billion of premium into the global insurance market Fact-Based Solutions for the Real Estate Industry Aon s Real Estate Practice provides a top-to-bottom strategy for designing and placing competitively priced insurance solutions for real estate businesses. Our proven methodology can help clients benchmark against their peers and develop programs to improve coverage while containing costs. Real-time benchmarking provides the most current information on industry rates, prices, coverages, retentions, limits of liability and additional factors. Actuarial analytics provide greater visibility into expected losses, using historical trending and development specific to the real estate industry. Modeling tools allow us to estimate possible losses that could be sustained by properties due to catastrophic events such as hurricanes, earthquakes, floods and terrorism. 2 Real Estate Practice

4 Our Dedication to the Real Estate Industry Through strategic investments in people, technology and thought leadership, Aon is committed to delivering the best-in-class solutions to your real estate business. Aon Property Symposium This annual symposium is one of the premier broking events in the industry. Leading experts in property insurance brokerage and underwriting gather for a dynamic discussion about the present state of the insurance marketplace and future property risks facing real estate clients. Real Estate Analytics Report This biannual report provides comprehensive, industry-specific data on key issues and concerns. The findings allow real estate businesses to benchmark their risk issues and risk financing strategies against their peers and help identify practices that may improve their risk management strategies. Aon Real Estate Advisor Our complimentary, weekly news advisor has been specifically designed to deliver the latest real estate insurance news straight to your inbox. We partner with SmartBrief to provide the latest news and trends related to real estate risk management, government policies and regulations, construction and environmental news, and impact forecasting, as well as Aon reports. Real Estate Thought Leadership Aon s continually growing directory of intellectual capital provides innovative and timely insights to help you quantify, mitigate and manage a wide range of current and emerging risks. We host webinars, forums, networking dinners and peer benchmarking groups around the country. Real Estate Practice 5

5 Specialized Offerings and Client Services Backed by industry experience and Aon s global resources, we assist clients through a broad range of risk management and insurance brokerage services, including comprehensive pre-loss strategies and rapid post-loss responses. Brokerage Expertise As the world s leading retail brokerage organization, Aon provides real estate businesses with a full range of brokerage resources and local access to the best insurance solutions and markets to meet their unique risk management needs. Maximizing Claims Recovery When a claim occurs, we can use our global resources and specialty expertise to protect your interests in the claims process. Aon claims advocates interpret coverage on your behalf to ensure you are well covered by your policies. Integrated Human Resources Solutions With increased population health risks, soaring health care costs and changes in health care laws, you need the right answers to develop effective employee benefits programs. Aon Hewitt s Health & Benefits team can help you develop and implement customized solutions to achieve a healthy, present, high-performing workforce and provide tailored employee communication services. 6 Real Estate Practice Real Estate Practice 7

6 The Aon Client Promise framework includes the five pillars of our promise, a comprehensive training curriculum, and a robust methodology for ensuring a consistent client experience. Aon Client Promise Comprised of five pillars partnership, expertise, innovation, excellence, and results the Aon Client Promise articulates the commitment we make to our clients. Aon Client Promise Academy The Academy offers unique learning experiences focused on listening for and responding to client needs, building knowledge of the full breadth of Aon capabilities, and understanding the pillars of the Aon Client Promise. Aon Client Promise Methodology Discover We will collaborate to understand both your near- and long-term business priorities, how we can add value to your organization, and help you respond to changing market dynamics. Develop We will jointly author a plan to define how we will work together during the year, outline our commitments to you, and define how we will measure our success. Deliver We will follow through on our plan, executing with excellence and tracking outcomes. Review We will seek your input on how we are doing both through informal feedback sessions and annual surveys. 8 Real Estate Practice Real Estate Practice 9

7 Contacts Kevin Madden Managing Director National Real Estate Practice Leader Aon Risk Solutions About Aon Aon plc (NYSE:AON) is the leading global provider of risk management, insurance and reinsurance brokerage, and human resources solutions and outsourcing services. Through its more than 66,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries via innovative and effective risk and people solutions and through industry-leading global resources and technical expertise. Aon has been named repeatedly as the world s best broker, best insurance intermediary, best reinsurance intermediary, best captives manager, and best employee benefits consulting firm by multiple industry sources. Visit aon.com for more information on Aon and aon.com/ manchesterunited to learn about Aon s global partnership with Manchester United. Aon plc All rights reserved. The information contained herein and the statements expressed are of a general nature and are not intended to address the circumstances of any particular individual or entity. Although we endeavor to provide accurate and timely information and use sources we consider reliable, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation Risk. Reinsurance. Human Resources.

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