AON, a global professional services firm, has introduced its Employee Benefits (EB) Cell Captive facility. This solution changes how multinational companies manage risk and finance employee benefits by combining Aon’s Risk Capital and Human Capital expertise.
It offers an alternative risk transfer strategy, allowing businesses to self-insure employee benefits in a more efficient way.
As healthcare costs rise and demand for customized benefits increases, Aon’s EB Cell Captive facility provides a flexible, scalable, and cost-effective alternative to traditional insurance structures.
Cell Captives have been used in property and casualty risk financing for over 25 years. Aon is now applying this approach to multinational employee benefit programs.
Aon’s 2025 Employee Sentiment Study found that 72% of employees worldwide value benefit customization, but only 41% have access to personalized options. As employers try to meet these expectations, risk management tools like traditional captives offer design flexibility and localized benefits.
However, many businesses struggle with the resources needed to integrate EB into a traditional captive model.
The EB Cell Captive facility addresses these challenges, allowing businesses to use a captive structure without the high capital investment and administrative burden.
Aon’s Protected Cell Company, White Rock, powers this facility, delivering the advantages of a traditional captive model while lowering costs, reducing implementation time, and simplifying local compliance.
“Multinational organizations need adaptable benefits strategies to support employees and strengthen their workforce,” said Michael Pedel, head of global benefits at Aon. “Businesses often struggle to integrate risk management and employee benefits due to operating separately.”
By combining our Risk Capital and Human Capital expertise, we help employers improve benefits strategies while maintaining better control over costs and risk transfer
“Rising healthcare and benefits costs require businesses to rethink risk management,” added Ciaran Healy, global captive leader for Commercial Risk Solutions at Aon. “This facility makes cell captives accessible for employee benefits—an option that was previously unavailable.”
The EB Cell Captive facility is designed for multinational companies with international employee benefit programs and an annual benefits spend exceeding $2 mn.
