Aon Plc provides insurance brokerage, risk management and human capital consulting services. The company operates through the following reportable business segments: Risk Solutions and HR Solutions. The Risk Solutions segment acts as an advisor and insurance and reinsurance broker, helping clients manage their risks via consultation, as well as negotiation and placement of insurance risk with insurance carriers through its global distribution network. The HR Solutions segment partners with organizations to solve their most complex benefits, talent and related financial challenges, and improve business performance by designing, implementing, communicating and administering a wide range of human capital, retirement, investment management, health care, compensation and talent management strategies. The company's clients include corporations and businesses, insurance companies, professional organizations, independent agents and brokers, governments, and other entities. It also serves individuals through personal lines, affinity groups, and certain specialty operations. Its products and services are divided into two transactional product lines: retail brokerage and reinsurance brokerage. The retail brokerage product line encompasses retail brokerage services, affinity products, managing general underwriting, placement, and captive management services. The Americas' operations provide products and services to clients in North, Central and South America, the Caribbean, and Bermuda. The United Kingdom; Europe, Middle East & Africa and Asia Pacific operations offer similar products and services to clients throughout the rest of the world. The reinsurance brokerage product line offers sophisticated advisory services in program design and claim recoveries that enhance the risk/return characteristics of insurance policy portfolios, improve capital utilization, and evaluate and mitigate catastrophic loss exposures worldwide. It also offers capital management transaction and advisory services. Aon was founded in 1979 and is headquartered in London, the United Kingdom.