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Submitted URL: https://app.response.aonunited.com/e/er?s=362693299&lid=46962&elqTrackId=06BB5E78866C4777F2B98A36860E2688&elq=cd278f2e61d54a46bd3cb...
Effective URL: https://www.aon.com/en/insights/articles/directors-and-officers-guide-to-navigating-ai-related-risks?utm_source=eloq...
Submission: On November 11 via manual from US — Scanned from CA
Effective URL: https://www.aon.com/en/insights/articles/directors-and-officers-guide-to-navigating-ai-related-risks?utm_source=eloq...
Submission: On November 11 via manual from US — Scanned from CA
Form analysis 5 forms found in the DOM
#
<form class="search-hero-form" action="#">
<div class="search-hero-form-group">
<input type="text" placeholder="Search for insights, solutions and more" data-placeholder-large="Search for insights, solutions and more" data-placeholder-small="Search" role="combobox" aria-controls="searchSuggestion" aria-autocomplete="both"
aria-haspopup="listbox" aria-expanded="false" class="search-autosuggest-input search-hero-form-input" value="">
<button type="submit" aria-label="Submit button" class="search-hero-form-submit">
<div class="search-hero-form-input-icon">
<svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#search"></use>
</svg>
</div>
</button>
</div>
</form>POST https://mypreferences.aon.com/api/posttogpc/formpost/
<form class="aon-subscribe-modal__form" data-component="GpcForm" data-validate-type="onChange" novalidate="" action="https://mypreferences.aon.com/api/posttogpc/formpost/" data-form-type="Subscribe" method="POST" autocomplete="off"
data-gpc-url="https://mypreferences.aon.com/api/posttogpc/formpost/">
<input type="hidden" name="openModal" value="subscribeModalSuccess">
<input type="hidden" name="g-recaptcha-token" value="">
<div class="aon-subscribe-modal__form-section">
<h6 class="aon-subscribe-modal__form-section-title"> About You </h6>
<div class="aon-subscribe-modal__form-section-group aon-subscribe-modal__form-section-input-group">
<div class="aon-field" data-component="TextInput" data-input-name="firstname">
<input aria-errormessage="error-firstname-text" aria-invalid="false" name="firstname" required="" type="text" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="firstname"> First Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="lastname">
<input aria-errormessage="error-lastname-text" aria-invalid="false" name="lastname" required="" type="text" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="lastname"> Last Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="email">
<input aria-errormessage="error-email-text" aria-invalid="false" name="Email" type="email" required="" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="email"> Business Email Address </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="Dropdown" data-input-name="location">
<div class="aon-field__appearance-icon">
<svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use>
</svg>
</div>
<select class="aon-field__input aon-field__select hidden-appearance" name="country" id="location" aria-errormessage="error-location-text" aria-invalid="false" required="">
<option class="aon-field__option" value="">
</option>
<option class="aon-field__option" value="AR"> Argentina </option>
<option class="aon-field__option" value="AW"> Aruba </option>
<option class="aon-field__option" value="AU"> Australia </option>
<option class="aon-field__option" value="AT"> Austria </option>
<option class="aon-field__option" value="BS"> Bahamas </option>
<option class="aon-field__option" value="BH"> Bahrain </option>
<option class="aon-field__option" value="BB"> Barbados </option>
<option class="aon-field__option" value="BE"> Belgium </option>
<option class="aon-field__option" value="BM"> Bermuda </option>
<option class="aon-field__option" value="BO"> Bolivia </option>
<option class="aon-field__option" value="BW"> Botswana </option>
<option class="aon-field__option" value="BR"> Brazil </option>
<option class="aon-field__option" value="VG"> British Virgin Islands </option>
<option class="aon-field__option" value="BG"> Bulgaria </option>
<option class="aon-field__option" value="CA"> Canada </option>
<option class="aon-field__option" value="KY"> Cayman Islands </option>
<option class="aon-field__option" value="CL"> Chile </option>
<option class="aon-field__option" value="CN"> China </option>
<option class="aon-field__option" value="CO"> Colombia </option>
<option class="aon-field__option" value="CR"> Costa Rica </option>
<option class="aon-field__option" value="HR"> Croatia </option>
<option class="aon-field__option" value="CY"> Cyprus </option>
<option class="aon-field__option" value="CZ"> Czechia </option>
<option class="aon-field__option" value="DK"> Denmark </option>
<option class="aon-field__option" value="DO"> Dominican Republic </option>
<option class="aon-field__option" value="EC"> Ecuador </option>
<option class="aon-field__option" value="EG"> Egypt </option>
<option class="aon-field__option" value="SV"> El Salvador </option>
<option class="aon-field__option" value="EE"> Estonia </option>
<option class="aon-field__option" value="FJ"> Fiji </option>
<option class="aon-field__option" value="FI"> Finland </option>
<option class="aon-field__option" value="FR"> France </option>
<option class="aon-field__option" value="DE"> Germany </option>
<option class="aon-field__option" value="GH"> Ghana </option>
<option class="aon-field__option" value="GI"> Gibraltar </option>
<option class="aon-field__option" value="GR"> Greece </option>
<option class="aon-field__option" value="GT"> Guatemala </option>
<option class="aon-field__option" value="GG"> Guernsey </option>
<option class="aon-field__option" value="GY"> Guyana </option>
<option class="aon-field__option" value="HT"> Haiti </option>
<option class="aon-field__option" value="HN"> Honduras </option>
<option class="aon-field__option" value="HK"> Hong Kong SAR </option>
<option class="aon-field__option" value="HU"> Hungary </option>
<option class="aon-field__option" value="IN"> India </option>
<option class="aon-field__option" value="ID"> Indonesia </option>
<option class="aon-field__option" value="IE"> Ireland </option>
<option class="aon-field__option" value="IM"> Isle of Man </option>
<option class="aon-field__option" value="IL"> Israel </option>
<option class="aon-field__option" value="IT"> Italy </option>
<option class="aon-field__option" value="JM"> Jamaica </option>
<option class="aon-field__option" value="JP"> Japan </option>
<option class="aon-field__option" value="JO"> Jordan </option>
<option class="aon-field__option" value="KZ"> Kazakhstan </option>
<option class="aon-field__option" value="KP"> Korea </option>
<option class="aon-field__option" value="KW"> Kuwait </option>
<option class="aon-field__option" value="LV"> Latvia </option>
<option class="aon-field__option" value="LB"> Lebanon </option>
<option class="aon-field__option" value="LT"> Lithuania </option>
<option class="aon-field__option" value="LU"> Luxembourg </option>
<option class="aon-field__option" value="MW"> Malawi </option>
<option class="aon-field__option" value="MY"> Malaysia </option>
<option class="aon-field__option" value="MT"> Malta </option>
<option class="aon-field__option" value="MU"> Mauritius </option>
<option class="aon-field__option" value="MX"> Mexico </option>
<option class="aon-field__option" value="MA"> Morocco </option>
<option class="aon-field__option" value="NA"> Namibia </option>
<option class="aon-field__option" value="NL"> Netherlands </option>
<option class="aon-field__option" value="NZ"> New Zealand </option>
<option class="aon-field__option" value="NI"> Nicaragua </option>
<option class="aon-field__option" value="NO"> Norway </option>
<option class="aon-field__option" value="OM"> Oman </option>
<option class="aon-field__option" value="PA"> Panama </option>
<option class="aon-field__option" value="PG"> Papua New Guinea </option>
<option class="aon-field__option" value="PE"> Peru </option>
<option class="aon-field__option" value="PH"> Philippines </option>
<option class="aon-field__option" value="PL"> Poland </option>
<option class="aon-field__option" value="PT"> Portugal </option>
<option class="aon-field__option" value="PR"> Puerto Rico </option>
<option class="aon-field__option" value="QA"> Qatar </option>
<option class="aon-field__option" value="RO"> Romania </option>
<option class="aon-field__option" value="SA"> Saudi Arabia </option>
<option class="aon-field__option" value="RS"> Serbia </option>
<option class="aon-field__option" value="SG"> Singapore </option>
<option class="aon-field__option" value="SK"> Slovak Republic </option>
<option class="aon-field__option" value="SI"> Slovenia </option>
<option class="aon-field__option" value="ZA"> South Africa </option>
<option class="aon-field__option" value="ES"> Spain </option>
<option class="aon-field__option" value="SE"> Sweden </option>
<option class="aon-field__option" value="CH"> Switzerland </option>
<option class="aon-field__option" value="TW"> Taiwan </option>
<option class="aon-field__option" value="TH"> Thailand </option>
<option class="aon-field__option" value="TT"> Trinidad and Tobago </option>
<option class="aon-field__option" value="TR"> Turkiye </option>
<option class="aon-field__option" value="TC"> Turks and Caicos Islands </option>
<option class="aon-field__option" value="UG"> Uganda </option>
<option class="aon-field__option" value="UA"> Ukraine </option>
<option class="aon-field__option" value="AE"> United Arab Emirates </option>
<option class="aon-field__option" value="GB"> United Kingdom </option>
<option class="aon-field__option" value="US"> United States </option>
<option class="aon-field__option" value="UY"> Uruguay </option>
<option class="aon-field__option" value="VU"> Vanuatu </option>
<option class="aon-field__option" value="VE"> Venezuela </option>
<option class="aon-field__option" value="VN"> Vietnam </option>
<option class="aon-field__option" value="YE"> Yemen </option>
</select>
<label class="aon-field__label" for="location"> Location </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
</div>
</div>
<div class="aon-subscribe-modal__form-section">
<div class="aon-subscribe-modal__form-section-title aon-subscribe-modal__form-section-title--remove-margin-bottom" aria-hidden="true"></div>
<div class="aon-subscribe-modal__form-section-group aon-subscribe-modal__form-section-description-group">
<div class="aon-subscribe-modal__form-description">
<p>
<strong>What Comes Next?</strong>
</p>
<p> After submitting your information, you will receive an email to verify your email address. Please click on the link included in this note to complete the subscription process, which also includes providing consent in applicable locations
and an opportunity to manage your email preferences. All subscription information you provide will be managed in accordance with
<a href="/en/about/leadership-and-governance/privacy-policy" target="_blank">Aon's global privacy statement</a>.</p>
</div>
<button disabled="" type="submit" class="aon-button aon-button__primary aon-button__primary--red aon-subscribe-modal__submit-button">
<span class="aon-button__wrapper-content" aria-hidden="true">
<span class="aon-button__text">Submit</span>
<svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use>
</svg>
</span>
</button>
</div>
</div>
</form>Name: gbl_contact_us_v20 — POST https://s362693299.t.eloqua.com/e/f2
<form class="aon-lead-modal__form elq-form" data-component="EloquaForm" data-validate-type="onChange" novalidate="" method="post" name="gbl_contact_us_v20" action="https://s362693299.t.eloqua.com/e/f2"
data-token-url="https://s362693299.t.eloqua.com/e/formsubmittoken" data-form-type="Contact Us" autocomplete="off" data-datapass-capability="Risk Management" data-datapass-solution_line="" data-datapass-lead_details="Aon.com"
data-datapass-product_service="Financial Lines and Professional Services">
<input type="hidden" name="openModal" value="leadModalSuccess">
<input type="hidden" name="g-recaptcha-token" value="">
<input type="hidden" name="elqSiteId" value="362693299">
<input type="hidden" name="address3" value="">
<input type="hidden" name="contact_me" value="ON">
<div class="lead-modal-tag">
<h6>I’m interested in</h6>
<h3 id="leadModalTitle">Talking to Aon</h3>
</div>
<fieldset class="aon-lead-modal__form-section">
<h6 class="aon-lead-modal__form-section--title">About You</h6>
<div class="aon-lead-modal__form-section--group">
<div class="aon-field" data-component="TextInput" data-input-name="firstName">
<input aria-errormessage="error-firstname-text" aria-invalid="false" name="firstName" required="" type="text" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="firstName"> First Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-firstname-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="lastName">
<input aria-errormessage="error-lastname-text" aria-invalid="false" name="lastName" required="" type="text" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="lastName"> Last Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="title">
<input id="jobtitle" aria-errormessage="error-jobtitle-text" aria-invalid="false" name="title" required="" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="title"> Job Title </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-jobtitle-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="emailAddress">
<input aria-errormessage="error-email-text" aria-invalid="false" name="emailAddress" type="email" required="" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="emailAddress"> Business Email Address </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="Dropdown" data-input-name="country">
<div class="aon-field__appearance-icon">
<svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use>
</svg>
</div>
<select class="aon-field__input aon-field__select hidden-appearance" aria-errormessage="error-location-text" aria-invalid="false" id="country" required="" name="country">
<option class="aon-field__option" value="" selected="">
</option>
<option class="aon-field__option" value="AR"> Argentina </option>
<option class="aon-field__option" value="AW"> Aruba </option>
<option class="aon-field__option" value="AU"> Australia </option>
<option class="aon-field__option" value="AT"> Austria </option>
<option class="aon-field__option" value="BS"> Bahamas </option>
<option class="aon-field__option" value="BH"> Bahrain </option>
<option class="aon-field__option" value="BB"> Barbados </option>
<option class="aon-field__option" value="BE"> Belgium </option>
<option class="aon-field__option" value="BM"> Bermuda </option>
<option class="aon-field__option" value="BO"> Bolivia </option>
<option class="aon-field__option" value="BW"> Botswana </option>
<option class="aon-field__option" value="BR"> Brazil </option>
<option class="aon-field__option" value="VG"> British Virgin Islands </option>
<option class="aon-field__option" value="BG"> Bulgaria </option>
<option class="aon-field__option" value="CA"> Canada </option>
<option class="aon-field__option" value="KY"> Cayman Islands </option>
<option class="aon-field__option" value="CL"> Chile </option>
<option class="aon-field__option" value="CN"> China </option>
<option class="aon-field__option" value="CO"> Colombia </option>
<option class="aon-field__option" value="CR"> Costa Rica </option>
<option class="aon-field__option" value="HR"> Croatia </option>
<option class="aon-field__option" value="CY"> Cyprus </option>
<option class="aon-field__option" value="CZ"> Czechia </option>
<option class="aon-field__option" value="DK"> Denmark </option>
<option class="aon-field__option" value="DO"> Dominican Republic </option>
<option class="aon-field__option" value="EC"> Ecuador </option>
<option class="aon-field__option" value="EG"> Egypt </option>
<option class="aon-field__option" value="SV"> El Salvador </option>
<option class="aon-field__option" value="EE"> Estonia </option>
<option class="aon-field__option" value="FJ"> Fiji </option>
<option class="aon-field__option" value="FI"> Finland </option>
<option class="aon-field__option" value="FR"> France </option>
<option class="aon-field__option" value="DE"> Germany </option>
<option class="aon-field__option" value="GH"> Ghana </option>
<option class="aon-field__option" value="GI"> Gibraltar </option>
<option class="aon-field__option" value="GR"> Greece </option>
<option class="aon-field__option" value="GT"> Guatemala </option>
<option class="aon-field__option" value="GG"> Guernsey </option>
<option class="aon-field__option" value="GY"> Guyana </option>
<option class="aon-field__option" value="HT"> Haiti </option>
<option class="aon-field__option" value="HN"> Honduras </option>
<option class="aon-field__option" value="HK"> Hong Kong SAR </option>
<option class="aon-field__option" value="HU"> Hungary </option>
<option class="aon-field__option" value="IN"> India </option>
<option class="aon-field__option" value="ID"> Indonesia </option>
<option class="aon-field__option" value="IE"> Ireland </option>
<option class="aon-field__option" value="IM"> Isle of Man </option>
<option class="aon-field__option" value="IL"> Israel </option>
<option class="aon-field__option" value="IT"> Italy </option>
<option class="aon-field__option" value="JM"> Jamaica </option>
<option class="aon-field__option" value="JP"> Japan </option>
<option class="aon-field__option" value="JO"> Jordan </option>
<option class="aon-field__option" value="KZ"> Kazakhstan </option>
<option class="aon-field__option" value="KP"> Korea </option>
<option class="aon-field__option" value="KW"> Kuwait </option>
<option class="aon-field__option" value="LV"> Latvia </option>
<option class="aon-field__option" value="LB"> Lebanon </option>
<option class="aon-field__option" value="LT"> Lithuania </option>
<option class="aon-field__option" value="LU"> Luxembourg </option>
<option class="aon-field__option" value="MW"> Malawi </option>
<option class="aon-field__option" value="MY"> Malaysia </option>
<option class="aon-field__option" value="MT"> Malta </option>
<option class="aon-field__option" value="MU"> Mauritius </option>
<option class="aon-field__option" value="MX"> Mexico </option>
<option class="aon-field__option" value="MA"> Morocco </option>
<option class="aon-field__option" value="NA"> Namibia </option>
<option class="aon-field__option" value="NL"> Netherlands </option>
<option class="aon-field__option" value="NZ"> New Zealand </option>
<option class="aon-field__option" value="NI"> Nicaragua </option>
<option class="aon-field__option" value="NO"> Norway </option>
<option class="aon-field__option" value="OM"> Oman </option>
<option class="aon-field__option" value="PA"> Panama </option>
<option class="aon-field__option" value="PG"> Papua New Guinea </option>
<option class="aon-field__option" value="PE"> Peru </option>
<option class="aon-field__option" value="PH"> Philippines </option>
<option class="aon-field__option" value="PL"> Poland </option>
<option class="aon-field__option" value="PT"> Portugal </option>
<option class="aon-field__option" value="PR"> Puerto Rico </option>
<option class="aon-field__option" value="QA"> Qatar </option>
<option class="aon-field__option" value="RO"> Romania </option>
<option class="aon-field__option" value="SA"> Saudi Arabia </option>
<option class="aon-field__option" value="RS"> Serbia </option>
<option class="aon-field__option" value="SG"> Singapore </option>
<option class="aon-field__option" value="SK"> Slovak Republic </option>
<option class="aon-field__option" value="SI"> Slovenia </option>
<option class="aon-field__option" value="ZA"> South Africa </option>
<option class="aon-field__option" value="ES"> Spain </option>
<option class="aon-field__option" value="SE"> Sweden </option>
<option class="aon-field__option" value="CH"> Switzerland </option>
<option class="aon-field__option" value="TW"> Taiwan </option>
<option class="aon-field__option" value="TH"> Thailand </option>
<option class="aon-field__option" value="TT"> Trinidad and Tobago </option>
<option class="aon-field__option" value="TR"> Turkiye </option>
<option class="aon-field__option" value="TC"> Turks and Caicos Islands </option>
<option class="aon-field__option" value="UG"> Uganda </option>
<option class="aon-field__option" value="UA"> Ukraine </option>
<option class="aon-field__option" value="AE"> United Arab Emirates </option>
<option class="aon-field__option" value="GB"> United Kingdom </option>
<option class="aon-field__option" value="US"> United States </option>
<option class="aon-field__option" value="UY"> Uruguay </option>
<option class="aon-field__option" value="VU"> Vanuatu </option>
<option class="aon-field__option" value="VE"> Venezuela </option>
<option class="aon-field__option" value="VN"> Vietnam </option>
<option class="aon-field__option" value="YE"> Yemen </option>
</select>
<label class="aon-field__label" for="country"> Location </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div data-component="PhoneInput" data-input-name="busPhone">
<div class="aon-field__group">
<div class="aon-field aon-field__country">
<div class="aon-field__appearance-icon" aria-hidden="true">
<svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use>
</svg>
</div>
<label class="aon-field__label" for="countryCode">Country Code</label>
<select class="aon-field__input aon-field__select hidden-appearance" name="countryCode" id="countryCode" required="" data-country-code="true">
<option value="" selected="">
</option>
<option class="aon-field__option" data-sync="AR" value="+54"> +54 </option>
<option class="aon-field__option" data-sync="AW" value="+297"> +297 </option>
<option class="aon-field__option" data-sync="AU" value="+61"> +61 </option>
<option class="aon-field__option" data-sync="AT" value="+43"> +43 </option>
<option class="aon-field__option" data-sync="BS" value="+1-242"> +1-242 </option>
<option class="aon-field__option" data-sync="BH" value="+973"> +973 </option>
<option class="aon-field__option" data-sync="BB" value="+1-246"> +1-246 </option>
<option class="aon-field__option" data-sync="BE" value="+32"> +32 </option>
<option class="aon-field__option" data-sync="BM" value="+1-441"> +1-441 </option>
<option class="aon-field__option" data-sync="BO" value="+591"> +591 </option>
<option class="aon-field__option" data-sync="BW" value="+267"> +267 </option>
<option class="aon-field__option" data-sync="BR" value="+55"> +55 </option>
<option class="aon-field__option" data-sync="VG" value="+1-284"> +1-284 </option>
<option class="aon-field__option" data-sync="BG" value="+359"> +359 </option>
<option class="aon-field__option" data-sync="CA" value="+1"> +1 </option>
<option class="aon-field__option" data-sync="KY" value="+1-345"> +1-345 </option>
<option class="aon-field__option" data-sync="CL" value="+56"> +56 </option>
<option class="aon-field__option" data-sync="CN" value="+86"> +86 </option>
<option class="aon-field__option" data-sync="CO" value="+57"> +57 </option>
<option class="aon-field__option" data-sync="CR" value="+506"> +506 </option>
<option class="aon-field__option" data-sync="HR" value="+385"> +385 </option>
<option class="aon-field__option" data-sync="CY" value="+357"> +357 </option>
<option class="aon-field__option" data-sync="CZ" value="+420"> +420 </option>
<option class="aon-field__option" data-sync="DK" value="+45"> +45 </option>
<option class="aon-field__option" data-sync="DO" value="+1"> +1 </option>
<option class="aon-field__option" data-sync="EC" value="+593"> +593 </option>
<option class="aon-field__option" data-sync="EG" value="+20"> +20 </option>
<option class="aon-field__option" data-sync="SV" value="+503"> +503 </option>
<option class="aon-field__option" data-sync="EE" value="+372"> +372 </option>
<option class="aon-field__option" data-sync="FJ" value="+679"> +679 </option>
<option class="aon-field__option" data-sync="FI" value="+358"> +358 </option>
<option class="aon-field__option" data-sync="FR" value="+33"> +33 </option>
<option class="aon-field__option" data-sync="DE" value="+49"> +49 </option>
<option class="aon-field__option" data-sync="GH" value="+233"> +233 </option>
<option class="aon-field__option" data-sync="GI" value="+350"> +350 </option>
<option class="aon-field__option" data-sync="GR" value="+30"> +30 </option>
<option class="aon-field__option" data-sync="GT" value="+502"> +502 </option>
<option class="aon-field__option" data-sync="GG" value="+44"> +44 </option>
<option class="aon-field__option" data-sync="GY" value="+592"> +592 </option>
<option class="aon-field__option" data-sync="HT" value="+509"> +509 </option>
<option class="aon-field__option" data-sync="HN" value="+504"> +504 </option>
<option class="aon-field__option" data-sync="HK" value="+852"> +852 </option>
<option class="aon-field__option" data-sync="HU" value="+36"> +36 </option>
<option class="aon-field__option" data-sync="IN" value="+91"> +91 </option>
<option class="aon-field__option" data-sync="ID" value="+62"> +62 </option>
<option class="aon-field__option" data-sync="IE" value="+353"> +353 </option>
<option class="aon-field__option" data-sync="IM" value="+44"> +44 </option>
<option class="aon-field__option" data-sync="IL" value="+972"> +972 </option>
<option class="aon-field__option" data-sync="IT" value="+39"> +39 </option>
<option class="aon-field__option" data-sync="JM" value="+1"> +1 </option>
<option class="aon-field__option" data-sync="JP" value="+81"> +81 </option>
<option class="aon-field__option" data-sync="JO" value="+962"> +962 </option>
<option class="aon-field__option" data-sync="KZ" value="+7"> +7 </option>
<option class="aon-field__option" data-sync="KP" value="+82"> +82 </option>
<option class="aon-field__option" data-sync="KW" value="+965"> +965 </option>
<option class="aon-field__option" data-sync="LV" value="+371"> +371 </option>
<option class="aon-field__option" data-sync="LB" value="+961"> +961 </option>
<option class="aon-field__option" data-sync="LT" value="+370"> +370 </option>
<option class="aon-field__option" data-sync="LU" value="+352"> +352 </option>
<option class="aon-field__option" data-sync="MW" value="+265"> +265 </option>
<option class="aon-field__option" data-sync="MY" value="+60"> +60 </option>
<option class="aon-field__option" data-sync="MT" value="+356"> +356 </option>
<option class="aon-field__option" data-sync="MU" value="+230"> +230 </option>
<option class="aon-field__option" data-sync="MX" value="+52"> +52 </option>
<option class="aon-field__option" data-sync="MA" value="+212"> +212 </option>
<option class="aon-field__option" data-sync="NA" value="+264"> +264 </option>
<option class="aon-field__option" data-sync="NL" value="+31"> +31 </option>
<option class="aon-field__option" data-sync="NZ" value="+64"> +64 </option>
<option class="aon-field__option" data-sync="NI" value="+505"> +505 </option>
<option class="aon-field__option" data-sync="NO" value="+47"> +47 </option>
<option class="aon-field__option" data-sync="OM" value="+968"> +968 </option>
<option class="aon-field__option" data-sync="PA" value="+507"> +507 </option>
<option class="aon-field__option" data-sync="PG" value="+675"> +675 </option>
<option class="aon-field__option" data-sync="PE" value="+51"> +51 </option>
<option class="aon-field__option" data-sync="PH" value="+63"> +63 </option>
<option class="aon-field__option" data-sync="PL" value="+48"> +48 </option>
<option class="aon-field__option" data-sync="PT" value="+351"> +351 </option>
<option class="aon-field__option" data-sync="PR" value="+1"> +1 </option>
<option class="aon-field__option" data-sync="QA" value="+974"> +974 </option>
<option class="aon-field__option" data-sync="RO" value="+40"> +40 </option>
<option class="aon-field__option" data-sync="SA" value="+966"> +966 </option>
<option class="aon-field__option" data-sync="RS" value="+381"> +381 </option>
<option class="aon-field__option" data-sync="SG" value="+65"> +65 </option>
<option class="aon-field__option" data-sync="SK" value="+421"> +421 </option>
<option class="aon-field__option" data-sync="SI" value="+386"> +386 </option>
<option class="aon-field__option" data-sync="ZA" value="+27"> +27 </option>
<option class="aon-field__option" data-sync="ES" value="+34"> +34 </option>
<option class="aon-field__option" data-sync="SE" value="+46"> +46 </option>
<option class="aon-field__option" data-sync="CH" value="+41"> +41 </option>
<option class="aon-field__option" data-sync="TW" value="+886"> +886 </option>
<option class="aon-field__option" data-sync="TH" value="+66"> +66 </option>
<option class="aon-field__option" data-sync="TT" value="+1-868"> +1-868 </option>
<option class="aon-field__option" data-sync="TR" value="+90"> +90 </option>
<option class="aon-field__option" data-sync="TC" value="+1-649"> +1-649 </option>
<option class="aon-field__option" data-sync="UG" value="+256"> +256 </option>
<option class="aon-field__option" data-sync="UA" value="+380"> +380 </option>
<option class="aon-field__option" data-sync="AE" value="+971"> +971 </option>
<option class="aon-field__option" data-sync="GB" value="+44"> +44 </option>
<option class="aon-field__option" data-sync="US" value="+1"> +1 </option>
<option class="aon-field__option" data-sync="UY" value="+598"> +598 </option>
<option class="aon-field__option" data-sync="VU" value="+678"> +678 </option>
<option class="aon-field__option" data-sync="VE" value="+58"> +58 </option>
<option class="aon-field__option" data-sync="VN" value="+84"> +84 </option>
<option class="aon-field__option" data-sync="YE" value="+967"> +967 </option>
</select>
</div>
<div class="aon-field aon-field__phone">
<label class="aon-field__label">Phone Number</label>
<input aria-errormessage="error-phone-text" type="tel" aria-invalid="false" name="busPhone" required="" class="aon-field__phone aon-field__input aon-field__phone-input" value="">
</div>
</div>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span id="error-phone-text" class="aon-field__error-text">
</span>
</div>
</div>
</div>
</fieldset>
<fieldset class="aon-lead-modal__form-section">
<h6 class="aon-lead-modal__form-section--title"> About Your Business </h6>
<div class="aon-lead-modal__form-section--group">
<div class="aon-field" data-component="TextInput" data-input-name="company">
<input aria-errormessage="error-company-text" aria-invalid="false" name="company" required="" type="text" class="aon-field__input aon-field__textinput" value="">
<label class="aon-field__label" for="company"> Organization Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="Dropdown" data-input-name="industry">
<div class="aon-field__appearance-icon">
<svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use>
</svg>
</div>
<select class="aon-field__input aon-field__select hidden-appearance" name="industry" id="industry" aria-errormessage="error-industry-text" aria-invalid="false" required="">
<option class="aon-field__option" value="">
</option>
<option class="aon-field__option" value="Construction and Infrastructure"> Construction and Infrastructure </option>
<option class="aon-field__option" value="Construction and Real Estate"> Construction and Real Estate </option>
<option class="aon-field__option" value="Financial Institutions"> Financial Institutions </option>
<option class="aon-field__option" value="Financial Sponsors"> Financial Sponsors </option>
<option class="aon-field__option" value="Food Agribusiness and Beverage"> Food Agribusiness and Beverage </option>
<option class="aon-field__option" value="Healthcare Providers and Services"> Healthcare Providers and Services </option>
<option class="aon-field__option" value="Hospitality Travel and Leisure"> Hospitality Travel and Leisure </option>
<option class="aon-field__option" value="Industrials and Manufacturing"> Industrials and Manufacturing </option>
<option class="aon-field__option" value="Insurance"> Insurance </option>
<option class="aon-field__option" value="Life Sciences"> Life Sciences </option>
<option class="aon-field__option" value="Natural Resources"> Natural Resources </option>
<option class="aon-field__option" value="Professional and Business Services"> Professional and Business Services </option>
<option class="aon-field__option" value="Public Sector"> Public Sector </option>
<option class="aon-field__option" value="Retail and Consumer Goods"> Retail and Consumer Goods </option>
<option class="aon-field__option" value="Sports and Entertainment"> Sports and Entertainment </option>
<option class="aon-field__option" value="Technology Media and Communications"> Technology Media and Communications </option>
<option class="aon-field__option" value="Transportation and Logistics"> Transportation and Logistics </option>
</select>
<label class="aon-field__label" for="industry"> Industry </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-industry-text"></span>
</div>
</div>
<div class="aon-field" data-component="Dropdown" data-input-name="revenue">
<div class="aon-field__appearance-icon">
<svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use>
</svg>
</div>
<select class="aon-field__input aon-field__select hidden-appearance" name="revenue" id="revenue" aria-errormessage="error-revenue-text" aria-invalid="false" required="">
<option class="aon-field__option" value="">
</option>
<option class="aon-field__option" value="Pre-Revenue"> Pre-Revenue </option>
<option class="aon-field__option" value="Less than 1.0 Million"> Less than 1.0 Million </option>
<option class="aon-field__option" value="1.0 Million to 4.9 Million"> 1.0 Million to 4.9 Million </option>
<option class="aon-field__option" value="5.0 Million to 24.9 Million"> 5.0 Million to 24.9 Million </option>
<option class="aon-field__option" value="25.0 Million to 49.9 Million"> 25.0 Million to 49.9 Million </option>
<option class="aon-field__option" value="50.0 Million to 99.9 Million"> 50.0 Million to 99.9 Million </option>
<option class="aon-field__option" value="100 Million to 749.9 Million"> 100 Million to 749.9 Million </option>
<option class="aon-field__option" value="750 Million to 9.9 Billion"> 750 Million to 9.9 Billion </option>
<option class="aon-field__option" value="More than 10.0 Billion"> More than 10.0 Billion </option>
<option class="aon-field__option" value="Not Applicable"> Not Applicable </option>
</select>
<label class="aon-field__label" for="industry"> Annual Revenue </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-industry-text"></span>
</div>
</div>
<div class="aon-field" data-component="Dropdown" data-input-name="headcount">
<div class="aon-field__appearance-icon">
<svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use>
</svg>
</div>
<select class="aon-field__input aon-field__select hidden-appearance" name="headcount" id="headcount" aria-errormessage="error-companysize-text" aria-invalid="false" required="">
<option class="aon-field__option" value="">
</option>
<option class="aon-field__option" value="Less than 100 employees"> Less than 100 employees </option>
<option class="aon-field__option" value="100 to 499 employees"> 100 to 499 employees </option>
<option class="aon-field__option" value="500 to 999 employees"> 500 to 999 employees </option>
<option class="aon-field__option" value="1,000 to 4,999 employees"> 1,000 to 4,999 employees </option>
<option class="aon-field__option" value="5,000 to 14,999 employees"> 5,000 to 14,999 employees </option>
<option class="aon-field__option" value="More than 15,000 employees"> More than 15,000 employees </option>
<option class="aon-field__option" value="Not Applicable"> Not Applicable </option>
</select>
<label class="aon-field__label" for="industry"> Employee Headcount </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-industry-text"></span>
</div>
</div>
</div>
</fieldset>
<fieldset class="aon-lead-modal__form-section">
<h6 class="aon-lead-modal__form-section--title"> How Can We Help? </h6>
<div class="aon-lead-modal__form-section--group">
<div class="aon-textarea">
<textarea class="aon-textarea__input" name="comments" rows="5" placeholder="Add a message"></textarea>
</div>
</div>
<div class="aon-lead-modal__form-legal-container">
<div class="aon-lead-modal__form-legal">
<p style="margin-top:0in;margin-bottom:0in;line-height:normal"><span>Aon will use the information you provide on this form to respond to your specific request. Submitting this form will not subscribe you to receiving marketing communications
from Aon, and all information provided will be managed in accordance with <a href="/en/about/leadership-and-governance/privacy-policy" target="_blank">Aon's global privacy statement</a>.</span></p>
</div>
<button type="submit" id="fe7177" disabled="" class="aon-button aon-button__primary aon-button__primary--red">
<span class="aon-button__wrapper-content" aria-hidden="true">
<span class="aon-button__text">Submit</span>
<svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use>
</svg>
</span>
</button>
</div>
</fieldset>
</form>Name: gbl_download_v20 — POST https://s362693299.t.eloqua.com/e/f2
<form class="aon-lead-modal__form aon-gate-content__form elq-form" data-component="GateContentForm" data-validate-type="onChange" novalidate="" method="post" autocomplete="off" data-form-type="Gated Content"
action="https://s362693299.t.eloqua.com/e/f2" data-token-url="https://s362693299.t.eloqua.com/e/formsubmittoken" name="gbl_download_v20" data-datapass-capability="Risk Management" data-datapass-solution_line="" data-datapass-lead_details="Aon.com"
data-datapass-product_service="Financial Lines and Professional Services" data-gpc-url="https://mypreferences.aon.com/api/posttogpc/formpost/">
<input type="hidden" name="openModal" value="gateContentSuccessModal">
<input type="hidden" name="g-recaptcha-token" value="">
<input type="hidden" name="elqSiteId" value="362693299">
<input type="hidden" name="address3" value="">
<fieldset class="aon-lead-modal__form-section">
<div class="aon-lead-modal__form-section--group aon-gate-content__input-field title-gap">
<div class="aon-field" data-component="TextInput" data-input-name="firstName">
<input aria-errormessage="error-firstName-text" aria-invalid="false" name="firstName" required="" type="text" class="aon-field__input aon-field__textinput" value=""> <label class="aon-field__label" for="firstName"> First Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="lastName">
<input aria-errormessage="error-lastName-text" aria-invalid="false" name="lastName" required="" type="text" class="aon-field__input aon-field__textinput" value=""> <label class="aon-field__label" for="lastName"> Last Name </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="title">
<input id="title" aria-errormessage="error-title-text" aria-invalid="false" name="title" required="" type="text" class="aon-field__input aon-field__textinput" value=""> <label class="aon-field__label" for="title"> Job Title </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-title-text"></span>
</div>
</div>
<div class="aon-field" data-component="TextInput" data-input-name="emailAddress">
<input id="emailAddress" aria-errormessage="error-emailAddress-text" aria-invalid="false" name="emailAddress" type="email" required="" class="aon-field__input aon-field__textinput" value=""> <label class="aon-field__label" for="emailAddress">
Business Email Address </label>
<div role="alert" class="aon-field__error">
<svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use>
</svg>
<span class="aon-field__error-text" id="error-emailAddress-text"></span>
</div>
</div>
<div class="aon-field" data-component="Dropdown" data-input-name="country">
<div class="aon-field__appearance-icon">
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<option class="aon-field__option" value="AT"> Austria </option>
<option class="aon-field__option" value="BS"> Bahamas </option>
<option class="aon-field__option" value="BH"> Bahrain </option>
<option class="aon-field__option" value="BB"> Barbados </option>
<option class="aon-field__option" value="BE"> Belgium </option>
<option class="aon-field__option" value="BM"> Bermuda </option>
<option class="aon-field__option" value="BO"> Bolivia </option>
<option class="aon-field__option" value="BW"> Botswana </option>
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<option class="aon-field__option" value="DO"> Dominican Republic </option>
<option class="aon-field__option" value="EC"> Ecuador </option>
<option class="aon-field__option" value="EG"> Egypt </option>
<option class="aon-field__option" value="SV"> El Salvador </option>
<option class="aon-field__option" value="EE"> Estonia </option>
<option class="aon-field__option" value="FJ"> Fiji </option>
<option class="aon-field__option" value="FI"> Finland </option>
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<option class="aon-field__option" value="DE"> Germany </option>
<option class="aon-field__option" value="GH"> Ghana </option>
<option class="aon-field__option" value="GI"> Gibraltar </option>
<option class="aon-field__option" value="GR"> Greece </option>
<option class="aon-field__option" value="GT"> Guatemala </option>
<option class="aon-field__option" value="GG"> Guernsey </option>
<option class="aon-field__option" value="GY"> Guyana </option>
<option class="aon-field__option" value="HT"> Haiti </option>
<option class="aon-field__option" value="HN"> Honduras </option>
<option class="aon-field__option" value="HK"> Hong Kong SAR </option>
<option class="aon-field__option" value="HU"> Hungary </option>
<option class="aon-field__option" value="IN"> India </option>
<option class="aon-field__option" value="ID"> Indonesia </option>
<option class="aon-field__option" value="IE"> Ireland </option>
<option class="aon-field__option" value="IM"> Isle of Man </option>
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<option class="aon-field__option" value="JO"> Jordan </option>
<option class="aon-field__option" value="KZ"> Kazakhstan </option>
<option class="aon-field__option" value="KP"> Korea </option>
<option class="aon-field__option" value="KW"> Kuwait </option>
<option class="aon-field__option" value="LV"> Latvia </option>
<option class="aon-field__option" value="LB"> Lebanon </option>
<option class="aon-field__option" value="LT"> Lithuania </option>
<option class="aon-field__option" value="LU"> Luxembourg </option>
<option class="aon-field__option" value="MW"> Malawi </option>
<option class="aon-field__option" value="MY"> Malaysia </option>
<option class="aon-field__option" value="MT"> Malta </option>
<option class="aon-field__option" value="MU"> Mauritius </option>
<option class="aon-field__option" value="MX"> Mexico </option>
<option class="aon-field__option" value="MA"> Morocco </option>
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<option class="aon-field__option" value="NZ"> New Zealand </option>
<option class="aon-field__option" value="NI"> Nicaragua </option>
<option class="aon-field__option" value="NO"> Norway </option>
<option class="aon-field__option" value="OM"> Oman </option>
<option class="aon-field__option" value="PA"> Panama </option>
<option class="aon-field__option" value="PG"> Papua New Guinea </option>
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<option class="aon-field__option" value="PL"> Poland </option>
<option class="aon-field__option" value="PT"> Portugal </option>
<option class="aon-field__option" value="PR"> Puerto Rico </option>
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<option class="aon-field__option" value="RO"> Romania </option>
<option class="aon-field__option" value="SA"> Saudi Arabia </option>
<option class="aon-field__option" value="RS"> Serbia </option>
<option class="aon-field__option" value="SG"> Singapore </option>
<option class="aon-field__option" value="SK"> Slovak Republic </option>
<option class="aon-field__option" value="SI"> Slovenia </option>
<option class="aon-field__option" value="ZA"> South Africa </option>
<option class="aon-field__option" value="ES"> Spain </option>
<option class="aon-field__option" value="SE"> Sweden </option>
<option class="aon-field__option" value="CH"> Switzerland </option>
<option class="aon-field__option" value="TW"> Taiwan </option>
<option class="aon-field__option" value="TH"> Thailand </option>
<option class="aon-field__option" value="TT"> Trinidad and Tobago </option>
<option class="aon-field__option" value="TR"> Turkiye </option>
<option class="aon-field__option" value="TC"> Turks and Caicos Islands </option>
<option class="aon-field__option" value="UG"> Uganda </option>
<option class="aon-field__option" value="UA"> Ukraine </option>
<option class="aon-field__option" value="AE"> United Arab Emirates </option>
<option class="aon-field__option" value="GB"> United Kingdom </option>
<option class="aon-field__option" value="US"> United States </option>
<option class="aon-field__option" value="UY"> Uruguay </option>
<option class="aon-field__option" value="VU"> Vanuatu </option>
<option class="aon-field__option" value="VE"> Venezuela </option>
<option class="aon-field__option" value="VN"> Vietnam </option>
<option class="aon-field__option" value="YE"> Yemen </option>
</select>
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NAVIGATING AI-RELATED RISKS: A GUIDE FOR DIRECTORS AND OFFICERS
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Navigating AI-Related Risks: A Guide for Directors and Officers
October 3, 2024 12 mins
NAVIGATING AI-RELATED RISKS: A GUIDE FOR DIRECTORS AND OFFICERS
AS AI EVOLVES, DIRECTORS AND OFFICERS MUST MANEUVER THROUGH A COMPLEX LANDSCAPE
OF REGULATORY AND LEGAL RISKS. IMPLEMENTING BEST PRACTICES AROUND THE USE OF AI
AND ROBUST GOVERNANCE-FOCUSED RISK MITIGATION CAN HELP MANAGE EXPOSURES.
KEY TAKEAWAYS
1. WHILE AI HAS OPENED THE DOOR TO EFFICIENCIES IN BUSINESS OPERATIONS AND
OFFERED NEW WAYS OF WORKING, DIRECTORS AND OFFICERS MUST TREAD CAREFULLY
WHEN IMPLEMENTING THE TECHNOLOGY AND EXTERNALLY COMMUNICATING ITS USE.
2. IT IS CRUCIAL FOR DIRECTORS AND OFFICERS TO COMPLY WITH EVOLVING AI
REGULATIONS, MAKING SURE THAT TRANSPARENCY AND CONSUMER RIGHTS UNDERPIN
GOVERNANCE FRAMEWORKS.
3. EFFECTIVE RISK MANAGEMENT STARTS AT THE EARLIEST STAGES OF AI USE AND MUST
BE REINFORCED WITH CONSISTENT RE-EVALUATION.
Artificial intelligence (AI) will likely become the next big driver of increased
earnings volatility for global organizations and emerge as a top 20 risk in the
next three years, according to Aon's Global Risk Management Survey. Already,
almost 40 percent of S&P 500 companies have mentioned AI in their most recent
annual reports filed with the U.S. Securities and Exchange Commission (SEC).
Those that cited AI on Q1 2024 earnings calls have seen a better average stock
price performance over the past 12 months compared to the S&P 500 companies that
did not.1
KEY INDUSTRIES MENTIONING AI ON EARNINGS CALLS
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Responding to Cyber Attacks: How Directors and Officers and Cyber Policies
Differ
Key ways in which AI is creating opportunities for organizations include:
* Empowering workforces to be more productive, personalizing processes and
providing training in new and engaging ways. Employees are looking for
organizations to deploy AI technologies in ways that enrich the workplace
experience.
* Assessing which tasks could be augmented by AI, given the kinds of work that
people do today. The goal is to reduce manual, redundant work and create
additional capacity for employees to spend time on critical thinking.
* Elevating and streamlining business processes using AI. Companies can use
technology to review supplier contracts, make the process more efficient and
help internal committees digest large amounts of information when making
decisions.
While AI implementation can help accelerate some business functions, directors
and officers are likewise becoming exposed to risks associated with the
technology’s use. In this environment, directors and officers (D&O) insurance is
a key risk management tool to help manage AI-related risks, alongside robust
risk management strategies.
Here are three AI-related risks and corresponding guidance for directors and
officers to manage exposures.
Webinar
AI GOVERNANCE AND RISK MANAGEMENT BEST PRACTICES
Discover more on evolving risks related to AI, the regulatory landscape in
Europe and the U.S., and governance and oversight processes with respect to
implementing generative AI.
Watch Webinar
RISK #1: AI WASHING LAWSUITS
AI washing refers to the practice of companies falsely touting their use of AI.
Some companies have claimed to use AI when they are actually using less
sophisticated computing technologies. Others have overstated the efficacy of
their AI over existing techniques or suggested that their AI solutions are fully
operational when that is not the case.2
The recent Innodata lawsuit in the U.S. demonstrates the risk that companies
making AI disclosures and their respective directors and officers could face,
becoming potential targets for the plaintiffs’ bar should they make false or
misleading claims about AI capabilities.3
Additionally, in March 2024, the U.S. Securities and Exchange Commission (SEC)
charged two investment advisors with making false and misleading statements
about their use of AI. The advisors agreed to pay a collective $400,000 in civil
penalties. This action is consistent with SEC Chair Gary Gensler’s warning of
“war without quarter” against companies and their directors and officers who
raise money from the public without being “truthful about [the company’s] use of
AI and associated risk.”4 In fact, the majority of filed AI securities class
action suits are based on companies making allegedly misleading statements
around the use or impact of AI, according to Aon research.
Quote icon
MANY OF THESE INCIDENTS INVOLVE FIRMS TOUTING AI CAPABILITIES. LATER, IT'S
ALLEGEDLY REVEALED THAT THE AI IS NOT AS DEVELOPED AS ARTICULATED. THE
CONSEQUENCE COULD BE THE STOCK FALLING OR SHAREHOLDERS FILING CLAIMS UNDER THE
SECURITIES EXCHANGE ACT.
Adam Furmansky
Deputy D&O Product Leader, North America
THE BOTTOM LINE:
Directors and officers should consider how to substantiate any AI claims their
company makes. “They need to be aware of the risks when the company makes a
claim about AI being a key enabler to the organization’s profitability or
efficiency, or when referencing solutions offered to customers that have an
AI-related enablement,” explains Katie Hill, a director in Aon’s Talent
Solutions practice in the U.S. If an organization is disclosing how it is using
AI as part of its business strategy, directors and officers should expect to
provide evidence to verify the claim.
There is no one-size-fits-all answer for companies on what that proof point will
be. They may need to state that the company has seen a related percentage
increase in revenue directly related to AI or demonstrate the number of
efficiencies gained as a result of its use. Transparency in disclosures and
stakeholder discussions around the extent to which a company is exploring AI’s
applications and benefits are key to mitigating risks.
RISK #2: REGULATORY EXPOSURES
AI adoption in various business operations, particularly in employment
practices, has sparked both interest and regulation by legislators worldwide.
Two notable evolving AI-related regulations include the EU AI Act and Colorado
AI Act. Transparency requirements are key to the EU regulation, while the
Colorado law is introducing third-party and supplier risks, as companies
deploying AI systems are also responsible for protecting consumers from any
known or foreseeable risks of discrimination involving the technology.
* EU AI ACT
The new regulatory framework establishes various obligations for providers
and users depending on the level of riskiness of the artificial intelligence
systems at issue. Many AI systems pose minimal risk, but they need to be
assessed.5
“While the EU AI Act is still being phased in and there has not yet been
enforcement activity under the new Act, the prospect of liability will be a
real concern as it has been written so broadly,” says Nick Reider, senior
vice president and deputy D&O product leader at Aon. “In turn, there will be
a significant focus among directors and officers on internal governance and
internal reporting to senior management and boards of directors.”
* COLORADO AI ACT
The new law is the first comprehensive legislation in the U.S. targeting
high-risk AI systems. The law requires that both developers and entities that
deploy high-risk AI systems use reasonable care to prevent algorithmic
discrimination. It also presents a rebuttable presumption that reasonable
care was used if they meet certain requirements and publicly disclose certain
information about high-risk AI systems.6
Other regulations around the world already address these risks, including
Canada’s Algorithmic Accountability Act (Bill C-27), Australia’s AI Ethics
Framework released in 2019 and Article 22 of the European Union’s General Data
Protection Regulation (GDPR), which includes specific provisions related to
automated decision making and profiling.
U.S. state-level regulations focused on this issue include the Illinois AI Video
Interviewing Act (2020), New York's Automated Employment Decision Tool Law
(AEDT, 2023) and Washington, D.C.’s Stop Discrimination by Algorithms Act
(2023). U.S. states with emerging legislation on automated employee decision
making related to surveillance and monitoring include Maine, New York, Vermont
and Massachusetts. The White House has also created its Blueprint for an AI Bill
of Rights that will likely serve as a framework for state and federal
legislation.
THE BOTTOM LINE:
As regulations develop, directors and officers must ensure that risk mitigation
strategies focus on overseeing the use of automated tools in business
operations. Organizations should first assess where the risk resides, which is
determined to a certain degree by what kind of AI tool they’re using and how it
is being used. Then, leaders need to survey the regulatory landscape to identify
the rules and regulations that apply to their business, before preparing
messaging and disclosures for regulatory bodies on the application of these
tools.
Organizations using AI should also develop a skillset internally to select the
best tools to inform workforce decisions and rigorously audit their impact.
“These are skills that many organizations still need to develop,” says Marinus
van Driel, a partner in Aon’s Workforce Transformation Advisory team. “They
might not have that capability in-house because of a lack of knowledge and
because the regulatory environment is unfolding in real time.”
RISK #3: SHAREHOLDER DERIVATIVE LAWSUITS AND ADDITIONAL EXPOSURES
Besides securities class actions and regulatory claims, directors and officers
face the risk of shareholder derivative claims alleging malfeasance with respect
to corporate implementation and use of AI.
Derivative lawsuits give corporate shareholders a platform to bring claims on
behalf of the corporation and against the corporation’s directors and officers
for a wide range of alleged misconduct, subject to specific procedural
requirements. In the past decade, derivative settlements have involved
increasingly large monetary components — millions, and sometimes even hundreds
of millions, of dollars.
Corporate misuse of AI has the potential to develop into a variety of
unfavorable outcomes and liabilities arising from intellectual property
infringement claims, privacy claims, and defamation or similar tort claims.
The specter of such potential liability for corporate officers with day-to-day
management responsibilities is particularly acute considering the recent case
law in Delaware confirming for the first time that officers — and not just
directors — may face non-exculpable liability for failing to carry out their
oversight obligations in breach of their fiduciary duty of loyalty to the
company.
Other AI-related exposures impacting directors and officers include:
* Product liability and breach of contract claims, including failure to ensure
that an AI product that caused harm was free from defects.
* Competition claims that arise if AI was used to recommend transactions in
price-sensitive securities or to set the price of goods or services sold by a
business. Boards must make sure that the AI is not relying on inside
information or causing the company to coordinate its prices with competitors
in an anti-competitive manner.
THE BOTTOM LINE:
Given the non-indemnifiable nature of what are often substantial monetary
settlements in derivative lawsuits, Side A D&O insurance — which provides
first-dollar coverage to directors and officers for non-indemnifiable loss — is
critical for protecting individual directors’ and officers’ personal assets when
derivative lawsuit settlements are negotiated and ultimately funded. Without
Side A coverage, directors and officers may have to pay derivative settlements
or judgments out of pocket.
STRATEGIES TO CONSIDER FOR A SUCCESSFUL AI APPROACH
Companies implementing and using AI are encouraged to audit their D&O policies
regularly to ensure their coverage is appropriately tailored. They should aim to
look for solutions that can enhance AI-related D&O coverage. Augmenting
definitions of key terms, such as “loss” and “insured person,” and enhancing
typical exclusionary language can optimize coverage for AI-related exposures.
Organizations should also be prepared to address their reliance on AI, financial
or other relevant prospects based on AI, the corporate governance and oversight
of AI, and vetting of disclosures related to AI in D&O underwriting meetings.
As an overarching risk management strategy, AI governance should start at the
earliest stages of development and be reinforced with constant evaluation. This
approach applies regardless of whether companies are using predictive or
generative AI tools.
Directors and officers can consider:
1. Who is leading AI as a risk function and as an opportunity for operational
efficiencies and improvements? How does this impact what the company sells
to clients?
2. How are externally sensitive company data assets protected from AI being
used by third parties or in the public domain?
3. Does the company have a formal AI policy for employees? Are all employees
aware of it? How does the company assess compliance with its formal AI
policy?
4. Does the company proactively and publicly disclose its AI practices and
policies? If so, is it mentioned in earnings reports and calls, regulatory
filings or supplier agreements?
Quote icon
IMPLEMENTING AI CANNOT BE A CHECK-THE-BOX EXERCISE. FIRMS SHOULD HAVE A ROADMAP
TO KNOW WHERE THEY’RE GOING AND WHY THEY’RE USING THE TECHNOLOGY, TRACKING
PROGRESS AGAINST THE PLAN AND ADJUSTING AS NEEDED.
Katie Hill
Director, Human Capital
As AI will likely remain front and center, directors and officers should be
well-equipped to speak to the organization's implementation and use of the
technology. Leaders should also monitor and apply lessons from regulatory fines
and litigation as the landscape continues to evolve.
Aon’s Thought Leaders
* Timothy Fletcher
CEO, Financial Services Group, U.S.
* Adam Furmansky
Deputy D&O Product Leader, North America
* Katie Hill
Director, Human Capital
* Nick Reider
Senior Vice President, Deputy D&O Product Leader, North America
* Marinus van Driel
Associate Partner of Assessment Solutions at Aon
1 Highest Number of S&P 500 Companies Citing “AI” on Earnings Calls Over Past 10
Years | FactSet
2 What is 'AI washing' and why is it a problem? | BBC News
3 Innodata Investor Sues Over ‘Rudimentary’ AI Offerings, Services | Bloomberg
Law
4 AI, Finance, Movies, and the Law - Prepared Remarks Before the Yale Law School
| SEC
5 EU AI Act: First regulation on artificial intelligence | European Parliament
6 Consumer Protections for Artificial Intelligence | Colorado General Assembly
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