Top Risks Facing Organizations in Latin America

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.feature-topic-carousel__functions,.featured-topics-card__side.featured-topics-card__side--back{display:none}.aon-carousel__functions{display:flex;align-items:center;width:100%;margin-top:var(--spacer-40)}.aon-carousel__functions .aon-button{flex:0 0 var(--spacer-56);touch-action:manipulation;--disabled-opacity:1}.aon-carousel__functions .aon-button__icon--left{margin-right:var(--spacer-8)}.aon-carousel__functions .aon-button__icon--right{margin-right:var(--spacer-40)}.aon-carousel__progressbar{margin-top:.2rem;flex:1;display:flex;align-items:center;position:relative;--progress-background:var(--aon-gray-05)}.aon-carousel__progressbar--background{background-color:var(--progress-background);width:100%;position:absolute;left:0;right:0;height:.2rem}.aon-carousel__progressbar--content{width:0;background-color:var(--aon-signature-red);height:.4rem;position:relative}.aon-icon,.aon-img{width:100%}.aon-homepage 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0.6);--spacer-4:0.4rem;--spacer-8:0.8rem;--spacer-16:1.6rem;--spacer-24:2.4rem;--spacer-32:3.2rem;--spacer-40:4rem;--spacer-48:4.8rem;--spacer-56:5.6rem;--spacer-64:6.4rem;--spacer-80:8rem;--spacer-96:9.6rem;--spacer-128:12.8rem;--zindex-hidden:-1;--zindex-default:1;--zindex-2:2;--zindex-relatedsolutions-thumbnail-bottom:1;--zindex-relatedsolutions-thumbnail-top:2;--zindex-relatedsolutions-box:3;--zindex-relatedsolutions-link:4;--zindex-sticky-nav:5;--zindex-search-mask:6;--zindex-global-nav:16;--zindex-modal:19;--global-header-height-small-size:6.8rem;--global-header-height-full-size:11.6rem;--global-header-height-mobile-size:8.4rem;--border-width-default:0.1rem;--border-width-medium:0.2rem;--aon-signature-red:#eb0017;--aon-white:#fff;--aon-navy:#262836;--aon-orange:#f25d00;--aon-teal-dark:#007585;--aon-teal-light:#29b0c3;--aon-gray-01:#46535e;--aon-gray-02:#5d6d78;--aon-gray-03:#82939a;--aon-gray-04:#acc0c4;--aon-gray-05:#cddbde;--aon-gray-06:#e5eff0;--aon-gray-07:#eef6f7;--aon-gray-08:#f9fcfc;--aon-error:#ea2238;--aon-warning:#ffa600;--aon-success:#12a88a}.aon-lead-modal 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.aon-eyebrow__optional-text{font-size:1.8rem;line-height:3rem}.aon-homepage-hero__cta-panel .aon-button{margin-top:var(--spacer-56)}.aon-homepage-hero__section-navigation{gap:var(--spacer-32);--thumbnail-content-gap:var(--spacer-24);--thumbnail-content-width:22.2rem}.aon-homepage-hero__section-navigation>.thumbnail-container{--grid-gap:var(--spacer-32)}.aon-homepage-hero__section-navigation .progress{height:.3rem}.aon-homepage-hero__content-wrapper{padding-top:calc(var(--spacer-128) + var(--spacer-16))}.aon-homepage-hero__content{grid-column:span 6}.aon-homepage-hero__content h2.title{margin-top:var(--spacer-40);margin-bottom:var(--spacer-56);padding-right:0}.aon-homepage-hero .skip-navigation{padding:var(--spacer-32);padding-left:var(--spacer-40)}}.search-hero-form-input-icon{width:var(--spacer-32);height:var(--spacer-32)}.search-hero-form-input-icon svg{fill:var(--aon-navy)}.search-hero-form-group{display:flex;align-items:center;border-bottom:.2rem solid 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0}.aon-field__select option{color:initial}.aon-field__appearance-icon,.modal-close svg,.modal-nav-sticky svg{color:var(--aon-signature-red)}.aon-field__appearance-icon{max-width:4rem;max-height:4rem;position:absolute;right:0;top:calc(-1 * var(--spacer-8))}.aon-textarea__input{width:100%;color:var(--aon-navy);padding:var(--spacer-16);border:.2rem solid var(--aon-gray-05);resize:none;outline:0;font-size:1.6rem;line-height:2.6rem}.modal{background-color:var(--aon-white);position:fixed;top:-.1rem;right:0;left:0;bottom:0;z-index:var(--zindex-modal);width:100%;height:calc(100% + .1rem);overflow-x:hidden;overflow-y:auto}.modal-dialog{margin-top:var(--spacer-24);margin-bottom:var(--spacer-24)}.modal-dialog--fullscreen{margin-top:0;margin-bottom:0}.modal-dialog--centered{display:flex;align-items:center;min-height:calc(100% - var(--spacer-24) * 2)}.modal-dialog--top{align-items:start}.modal-content{position:relative;width:100%;margin-left:var(--spacer-24);margin-right:var(--spacer-24)}.modal-content--fullscreen{margin-left:0;margin-right:0}.modal-close button{border:none;background-color:transparent;width:var(--spacer-40);height:var(--spacer-40);padding:1.2rem}.modal-nav-sticky{position:fixed;display:flex;top:0;justify-content:space-between;align-items:center;padding:var(--spacer-24);width:100%;z-index:var(--zindex-2)}.aon-modal__featured-insights-title{color:var(--aon-gray-02);margin-bottom:var(--spacer-32)}.aon-modal__featured-insights-cards{padding-top:var(--spacer-48)}.aon-modal__featured-insights-cards:not(:first-child){margin-top:var(--spacer-48);border-top:.1rem solid var(--aon-gray-05)}.aon-modal__featured-insights-cards .content-card .content-card__title:last-child{margin-bottom:0}@media screen and (min-width:650px){.search-hero-form-input{line-height:3.6rem}.search-hero-form-group .search-hero-form-input{height:calc(var(--spacer-40) + 1rem)}.aon-logo{grid-column:1/span 2}.aon-footer-subscribe__cta .aon-icon{display:none}.modal-nav-sticky{padding:var(--spacer-32) var(--spacer-40)}.aon-modal__success-cta{display:grid;grid-template-columns:repeat(8,1fr);column-gap:var(--spacer-32);height:fit-content}.aon-modal__success-cta .aon-button{grid-column:span 3}.aon-modal__featured-insights-title{grid-column:1/-1}.aon-modal__featured-insights-cards .content-card{grid-column:span 4}.aon-modal__featured-insights-cards{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);column-gap:var(--spacer-32);row-gap:0}}@media screen and (min-width:650px) and (min-width:650px){.aon-modal__featured-insights-cards{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and 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svg{color:var(--aon-white)}.aon-about-tray__title,.aon-industries-tray__link,.global-header__mega-menu-link,.global-header__mega-sub-menu-title,.insights-topics__item-caption{font-weight:700;font-style:normal;letter-spacing:0;font-family:var(--title-font-family)}.aon-subscribe-modal__form{display:flex;flex-direction:column}.aon-subscribe-modal__form-section{display:flex;flex-direction:column;width:100%}.aon-subscribe-modal__form-section-description-group .aon-button__primary,.aon-subscribe-modal__form-section-description-group .aon-button__primary .aon-button__wrapper-content,.aon-subscribe-modal__form-section-group{width:100%}.aon-subscribe-modal__form-section-input-group>:not(:last-child){margin-bottom:5.2rem}.aon-subscribe-modal__form-section-title{width:100%;margin-bottom:4.4rem}.aon-subscribe-modal__form-section-title--remove-margin-bottom{margin-bottom:0}.aon-subscribe-modal__form-description{color:var(--aon-gray-01);margin-bottom:var(--spacer-40)}.aon-subscribe-modal__form-description a,.aon-subscribe-modal__form-description a:visited{color:var(--aon-gray-01)}.aon-subscribe-modal--success .aon-subscribe-modal__content{padding-bottom:var(--spacer-48);margin-top:8.8rem}.aon-lead-modal{min-height:100vh;width:100%;position:relative;row-gap:0}@media screen and (min-width:650px){.aon-subscribe-modal__sidebar{--grid-columns:8;padding:var(--spacer-48) var(--spacer-40)}.aon-subscribe-modal__content{padding:var(--spacer-48) var(--spacer-40)}.aon-subscribe-modal__content-header{grid-column:span 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(min-width:1200px){.aon-subscribe-modal__sidebar{--grid-columns:4;flex-basis:35.3472222222%;padding:var(--spacer-80) var(--spacer-40) var(--spacer-48) var(--spacer-48)}.aon-subscribe-modal__content{flex-basis:64.6527777778%;padding:11.6rem 11.3194444444% var(--spacer-80) 8.0555555556%;display:flex;flex-direction:column}.aon-subscribe-modal__content-header{grid-column:span 4}.aon-subscribe-modal__content-subhead{grid-column:span 3;font-weight:400;margin-right:calc(-1 * var(--spacer-40))}.aon-subscribe-modal__X-button{right:var(--spacer-48);top:var(--spacer-48)}.aon-subscribe-modal__X-button svg{color:var(--aon-signature-red)}.aon-subscribe-modal__form-section-title{margin-right:var(--spacer-40);min-width:19rem;width:19rem}.aon-subscribe-modal--success .aon-subscribe-modal__X-button{display:block}.aon-subscribe-modal--success .aon-subscribe-modal__sidebar{display:grid}.aon-subscribe-modal--success 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p{margin-top:var(--spacer-24);color:var(--aon-gray-01);grid-column:span 4}@media screen and (min-width:1200px){.aon-lead-modal__sidebar--header{--grid-gap:var(--spacer-40);--grid-columns:12;margin-top:0;display:grid;grid-template-columns:repeat(4,1fr);column-gap:var(--spacer-40)}.aon-lead-modal__sidebar--header p{margin-top:var(--spacer-40)}.aon-lead-modal__sidebar--header>*{grid-column:span 3}.aon-lead-modal__sidebar--header .modal-title{grid-column:span 4;word-wrap:break-word;-webkit-hyphens:auto;-moz-hyphens:auto;hyphens:auto}}.aon-lead-modal__sidebar .aon-lead-modal__sidebar--header{grid-column:span 4}.aon-lead-modal__sidebar--addresses{margin-top:var(--spacer-40)}.aon-lead-modal__sidebar--contacts,.aon-lead-modal__sidebar--cta{display:flex;flex-direction:column}.aon-lead-modal__sidebar--contacts a,.aon-lead-modal__sidebar--contacts p,.aon-lead-modal__sidebar--cta 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(min-width:1200px){.aon-lead-modal__sidebar--contacts{margin-top:0}.aon-lead-modal__content{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-lead-modal__X-button{color:var(--aon-signature-red);position:absolute;right:var(--spacer-24);top:var(--spacer-24)}.aon-lead-modal__form{display:flex;flex-direction:column;grid-column:span 4;row-gap:var(--spacer-56)!important}@media screen and (min-width:650px){.aon-lead-modal__content{--grid-columns:8;grid-column:span 8;padding-bottom:var(--spacer-48)}.aon-lead-modal__X-button{right:var(--spacer-40);top:var(--spacer-40)}.aon-lead-modal__form{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-column:span 8;row-gap:var(--spacer-80)!important;align-content:flex-start}}@media screen and (min-width:650px) and (min-width:650px){.aon-lead-modal__form{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-lead-modal__form{--grid-gap:var(--spacer-40);--grid-columns:12}}@media screen and (min-width:1200px){.aon-lead-modal__content{grid-column:5/-1;padding-top:11.6rem;padding-left:0;padding-bottom:var(--spacer-80);margin-left:0}.aon-lead-modal__X-button{right:var(--spacer-48);top:var(--spacer-48)}.aon-lead-modal__form{grid-column:2/-2;display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);--grid-columns:6!important}}@media screen and (min-width:1200px) and (min-width:650px){.aon-lead-modal__form{--grid-gap:var(--spacer-32);--grid-columns:8}}.aon-lead-modal__form-section{display:flex;flex-wrap:wrap;padding:0}@media screen and (min-width:650px){.aon-lead-modal__form-section{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-column:span 8;--grid-gap:var(--spacer-40)}}@media screen and (min-width:650px) and (min-width:650px){.aon-lead-modal__form-section{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-lead-modal__form-section{--grid-gap:var(--spacer-40);--grid-columns:12}}@media screen and (min-width:1200px){.aon-lead-modal__form-section{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-column:span 6;--grid-columns:6!important}}@media screen and (min-width:1200px) and (min-width:650px){.aon-lead-modal__form-section{--grid-gap:var(--spacer-32);--grid-columns:8}}.aon-lead-modal__form-section--title{margin-bottom:var(--spacer-32);width:100%}@media screen and (min-width:650px){.aon-lead-modal__form-section--title{margin-bottom:0;width:14.8rem;grid-column:span 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.search-hero-search-bar__title,.search-nav-zero-state .search-hero-form-input-icon{color:var(--aon-navy)}.aon-lead-modal--success .aon-lead-modal__X-button,.aon-lead-modal--success .aon-lead-modal__sidebar,.global-header__contact,.global-header__languages,.global-header__links,.global-header__mega-menu,.top-insights,a.aon-button.insights-view-all-desktop{display:none}.aon-tray-layouts__left,.aon-tray-layouts__right{display:grid;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap)}.aon-lead-modal--success .aon-lead-modal__content{margin-top:8.8rem}.aon-gate-content__form-legal-container,.aon-gate-content__input-field,.aon-gate-content__success-content,.lead-modal-tag,.popular-searches{grid-column:1/-1}.lead-modal-tag h6{color:var(--aon-teal-dark)}.lead-modal-tag h3{margin-top:var(--spacer-8)}@media screen and (min-width:650px){.aon-lead-modal__form-legal{margin-top:0;margin-bottom:var(--spacer-40)}.aon-lead-modal__form .aon-button{width:fit-content}.aon-lead-modal--success .aon-lead-modal__content{margin-top:10.4rem}.aon-tray-layouts{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);row-gap:0}}.aon-tray-layouts__left{background-color:var(--aon-gray-07);padding-top:var(--spacer-40);padding-bottom:var(--spacer-40);--grid-gap:var(--spacer-24);--grid-columns:4;grid-column:span 4}.aon-tray-layouts__right,.insights-tray .aon-tray-layouts__right{background-color:var(--aon-gray-08)}@media screen and (min-width:650px){.aon-tray-layouts>*{padding-left:var(--spacer-40);padding-right:var(--spacer-40);margin-left:calc(-1 * var(--spacer-40));margin-right:calc(-1 * var(--spacer-40))}.aon-tray-layouts__left{--grid-gap:var(--spacer-32);--grid-columns:8;grid-column:span 8}}@media screen and (min-width:1200px){.aon-lead-modal__form-section--group{grid-column:span 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4}}@media screen and (min-width:1900px){.search-hero-form-input{line-height:5.2rem}.search-hero-form-group .search-hero-form-input{height:calc(5.2rem + var(--spacer-8))}.aon-field__input,.aon-field__label,.aon-lead-modal__sidebar--contacts a,.aon-lead-modal__sidebar--contacts p,.aon-lead-modal__sidebar--cta a,.aon-textarea__input{font-size:1.8rem;line-height:3rem}.aon-field__error-text,.aon-lead-modal__form-legal p,.aon-subscribe-modal__form-description p{font-size:1.4rem;line-height:2.2rem}.aon-tray-layouts__left{padding-top:var(--spacer-80);padding-bottom:var(--spacer-80)}.aon-tray-layouts__left--header{padding-right:0;grid-column:span 3}.aon-tray-layouts__left--title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:3.8rem;line-height:4.2rem}}@media screen and (min-width:1900px) and (min-width:650px){.aon-tray-layouts__left--title{font-size:4.4rem;line-height:4.8rem}}@media screen and (min-width:1900px) and (min-width:1200px){.aon-tray-layouts__left--title{font-size:5.6rem;line-height:6rem}}@media screen and (min-width:1900px) and (min-width:1900px){.aon-tray-layouts__left--title{font-size:6.6rem;line-height:7rem}}.aon-tray-layouts__left--subtitle{padding-top:var(--spacer-16);font-size:1.4rem;line-height:2.2rem;color:var(--aon-gray-01)}.aon-tray-layouts__left--button{padding-top:var(--spacer-24)}.aon-tray-layouts__left--button .aon-button__secondary,.aon-tray-layouts__left--button .aon-button__secondary .aon-button__wrapper-content{width:100%}.aon-tray-layouts__right{padding-top:var(--spacer-40);padding-bottom:var(--spacer-40);--grid-gap:var(--spacer-24);--grid-columns:4;grid-column:span 4}@media screen and (min-width:650px){.aon-tray-layouts__left--button .aon-button__secondary{width:fit-content}.aon-tray-layouts__left--button .aon-button__secondary .aon-button__wrapper-content{width:auto}.aon-tray-layouts__right{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:1200px){.aon-tray-layouts__left--subtitle{padding-top:var(--spacer-24)}.aon-tray-layouts__left--button{padding-top:var(--spacer-32)}.aon-tray-layouts__right{--grid-gap:var(--spacer-40);--grid-columns:12;margin-left:calc(-1 * var(--spacer-40));padding-top:var(--spacer-56);padding-bottom:var(--spacer-56);padding-left:var(--spacer-40)}}@media screen and (min-width:650px){.aon-tray-layouts__right{grid-column:span 8;--grid-columns:8}}.aon-tray-layouts__right--content{grid-column:span 4;row-gap:var(--spacer-56)}@media screen and (min-width:650px){.aon-tray-layouts__right--content{grid-column:span 8;row-gap:var(--spacer-80)}.aon-industries-tray{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-auto-flow:column;grid-gap:0 var(--spacer-32);grid-template-rows:repeat(1,1fr);grid-template-columns:repeat(2,1fr)}}.aon-industries-tray__list{list-style-type:none;padding-left:0}.aon-industries-tray__list:not(:last-child){margin-bottom:var(--spacer-48)}.aon-industries-tray__link{color:var(--aon-navy);text-decoration:none;font-size:2.4rem;line-height:2.8rem}.insights-tray .aon-about-tray__title{padding-bottom:0}.insights-tray-right__header{display:flex;align-items:flex-end;justify-content:space-between}.insights-topics__list{list-style:none;padding:0}@media screen and (min-width:650px){.aon-industries-tray__list:not(:last-child){margin-bottom:0}.insights-topics{margin-top:var(--spacer-32)}.insights-topics__list{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);row-gap:var(--spacer-40)}.insights-topics__item{grid-column:span 4}}@media screen and (min-width:650px) and (min-width:650px){.aon-industries-tray,.aon-tray-layouts,.insights-topics__list{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-industries-tray,.aon-tray-layouts,.insights-topics__list{--grid-gap:var(--spacer-40);--grid-columns:12}}.insights-topics__link{display:block;color:var(--aon-navy);text-decoration:none}.insights-topics__item img{display:block;object-fit:cover;width:8.4rem;height:8.4rem}.insights-topics__item-caption{font-size:2.4rem;line-height:2.8rem;padding-left:var(--spacer-16)}.insights-topics__figure{display:flex;align-items:center}.aon-about-tray__title{color:var(--aon-teal-dark);padding-bottom:var(--spacer-32);font-size:1.6rem;line-height:2rem}body.has-global-header{padding-top:var(--height-mobile-size)}body.has-global-header.cw{padding-top:var(--header-medium-height)}.global-header{--mask-z-index:var(--zindex-2);--mask-item-z-index:var(--zindex-global-nav);--mega-menu-offset:var(--spacer-40);--header-height:var(--height-full-size);background-color:var(--aon-white);z-index:var(--zindex-global-nav);position:fixed;top:0;left:0;right:0}.global-header__nav{--padding-gap:var(--spacer-24);padding-top:var(--padding-gap);padding-bottom:var(--padding-gap);display:flex;flex-wrap:wrap;align-items:center}.global-header__nav ul{list-style:none}.global-header__nav a{text-decoration:none}.global-header__icon{padding-left:var(--spacer-24);display:inline-flex;align-items:baseline}.global-header__icon a{display:inline-flex;align-items:center;height:3.6rem;width:6.257rem;color:var(--aon-signature-red)}.global-header__mega-menu{padding-left:0;position:relative}.global-header__mega-sub-menu-title{font-size:1.6rem;line-height:2.4rem;align-items:center;z-index:var(--zindex-2);background-color:var(--aon-white);display:none;position:absolute;top:0;left:0;right:50%;transform:translate(0,-100%);padding-top:var(--spacer-24);padding-bottom:var(--spacer-24);padding-left:var(--spacer-24)}@media screen and (min-width:1900px){.aon-tray-layouts__left--subtitle{font-size:1.6rem;line-height:2.4rem}.aon-tray-layouts__right{padding-top:var(--spacer-80);padding-bottom:var(--spacer-80)}.aon-industries-tray__item:not(:last-child){margin-bottom:var(--spacer-32)}.aon-industries-tray__link,.insights-topics__item-caption{font-size:2.8rem;line-height:3.2rem}.aon-about-tray__title,.global-header__mega-sub-menu-title{font-size:1.8rem;line-height:2.2rem}}.global-header__mega-sub-menu-title .aon-icon{width:var(--spacer-24);height:var(--button-size);margin-right:var(--spacer-8)}.global-header__mega-menu-link{font-size:3.2rem;line-height:3.6rem;color:var(--aon-navy);display:flex;align-items:center;justify-content:space-between;outline:0;position:relative}@media screen and (min-width:650px){.insights-topics__item img{width:100%;height:auto}.insights-topics__item-caption{padding-left:0;margin-top:var(--spacer-16)}.insights-topics__figure,a.aon-button.insights-view-all-desktop{display:block}a.aon-button.insights-view-all-mobile{display:none}.global-header__icon,.global-header__mega-sub-menu-title{padding-left:var(--spacer-40)}.global-header__mega-menu-link{font-size:3.6rem;line-height:4rem}}@media screen and (min-width:1200px){.aon-tray-layouts__right--content{grid-column:2/-2;--grid-columns:6}.aon-industries-tray{grid-gap:0 var(--spacer-40)}.insights-topics__list{--grid-columns:6}.insights-topics__item{grid-column:span 3}body.has-global-header{padding-top:var(--height-full-size)}.global-header__icon{z-index:var(--mask-item-z-index);padding-left:var(--spacer-48)}.global-header__mask,.global-header__mask-item{position:absolute;top:calc(100% - var(--mega-menu-offset));left:0;right:0;bottom:0;background-color:var(--aon-white);z-index:var(--mask-z-index)}.global-header__mask-item{z-index:var(--mask-item-z-index)}.global-header__mask{z-index:var(--zindex-sticky-nav)}.global-header__nav{height:var(--height-full-size);--padding-gap:var(--spacer-40)}.global-header__icon a{width:9.5rem}.global-header__contact,.global-header__languages,.global-header__links,.global-header__mega-menu{display:inline-flex}.global-header__mega-menu{position:unset;padding-left:2rem}.global-header__mega-menu::before{content:"";position:absolute;top:calc(100% - var(--mega-menu-offset));left:0;bottom:unset;width:100%;height:0;opacity:0;margin-top:0;padding-bottom:0;background-color:var(--aon-gray-08);overflow-y:auto}.global-header__mega-menu-item{padding-left:2rem;padding-right:2rem}.global-header__mega-sub-menu-title{line-height:3.2rem}.global-header__mega-menu-link{font-size:4rem;line-height:4.4rem}}@media screen and (min-width:1900px){.global-header__mega-menu-link{font-size:4.8rem;line-height:5.2rem}}.global-header__mega-menu-link::before{content:"";width:0;height:.2rem;background-color:var(--aon-signature-red);position:absolute;bottom:0;left:0;z-index:calc(var(--mask-item-z-index) + 1)}.global-header__mega-menu-link .aon-icon{width:var(--spacer-40);height:var(--spacer-40)}@media screen and (min-width:1200px){.global-header__mega-menu-link{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:1.6rem;line-height:2rem;padding:var(--spacer-8) 0}.global-header__mega-menu-link .aon-icon{display:none}}.global-header__mega-sub-menu{position:absolute;top:0;bottom:0;left:0;right:0;z-index:var(--zindex-2)}.global-header__trigger-menu-wrapper{position:relative;margin-left:var(--spacer-24);margin-right:var(--spacer-24)}.global-header__search-mask{display:none;width:calc(var(--button-size) * 4);height:calc(100% + .4rem);position:absolute;left:50%;bottom:0;transform:translate(-50%,100%);z-index:var(--zindex-search-mask)}.global-header__languages .aon-icon{width:var(--spacer-24);height:var(--spacer-24);color:var(--aon-gray-01)}.aon-country-selector .accordion-block__icon .aon-icon,.aon-country-selector__sub-menu .aon-icon{color:var(--aon-signature-red)}.global-header__search{display:inline-flex;width:fit-content;height:3.6rem;margin-left:auto;position:relative;--icon-size:var(--spacer-24);--icon-offset:calc(2rem - (var(--button-size) - var(--icon-size)) / 2)}.global-header__search .aon-icon__search{border:0;background-color:transparent;width:var(--button-size);height:100%;position:relative}.global-header__search .aon-icon__search::before{content:"";width:0;height:.2rem;background-color:var(--aon-signature-red);position:absolute;bottom:0;left:calc((var(--button-size) - var(--icon-size))/ 2);z-index:var(--zindex-search-mask);display:none}.global-header__search .aon-icon__search .aon-icon{width:var(--icon-size);height:var(--icon-size);margin-left:auto;margin-right:auto}.global-header__languages-wrapper{display:flex;align-items:flex-end;background:0 0;position:relative;border:0;outline:0}.global-header__languages-wrapper::before{content:"";width:0;height:.2rem;background-color:var(--aon-signature-red);position:absolute;bottom:-.8rem;left:0}.global-header__links{padding:0 var(--spacer-24)}.global-header__links ul{width:100%;border-top:.1rem solid var(--aon-gray-05);padding:0;display:flex;align-items:center}@media screen and (min-width:650px){.global-header__trigger-menu-wrapper{margin-right:var(--spacer-40)}.global-header__links ul{border-top-color:var(--aon-gray-06)}}.global-header__link{color:var(--aon-gray-02);font-family:var(--title-font-family);font-style:normal;letter-spacing:0;font-size:1.6rem;line-height:2rem;font-weight:400}@media screen and (min-width:1900px){.global-header__link{font-size:1.8rem;line-height:2.2rem}}.global-header__contact a,.global-header__mega-sub-menu-title-lang{font-size:1.6rem;line-height:2.4rem;font-style:normal;letter-spacing:0}.global-header__contact a{font-family:var(--standard-font-family);font-weight:500;color:var(--aon-gray-01);border-bottom:.1rem solid var(--aon-signature-red)}@media screen and (min-width:1900px){.global-header__contact a{font-size:1.8rem;line-height:2.6rem}.global-header__mega-sub-menu-title-lang{font-size:1.8rem;line-height:2.2rem}}@media screen and (min-width:1200px){.global-header__mega-sub-menu{display:block;padding-top:var(--mega-menu-offset);top:calc(100% - var(--mega-menu-offset));bottom:unset;height:calc(100vh - var(--height-full-size) + var(--spacer-64));padding-bottom:var(--spacer-24)}.global-header__trigger-menu-wrapper{display:none}.global-header__languages{margin-right:var(--spacer-48);margin-left:auto}.global-header__search .aon-icon__search::before{display:block}.global-header__search{margin-left:0;padding:0 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a{font-size:1.4rem;line-height:2.2rem;border-bottom:none}.global-header__contact+.global-header__links{margin-left:0}.global-header__contact+.global-header__links::after,.global-header__contact+.global-header__links::before{content:""}}.global-header__trigger-menu{width:var(--spacer-24);height:var(--button-size);border:none;background-color:transparent;padding:0}.global-header__trigger-menu>div{width:var(--spacer-24);height:.1rem;background-color:var(--aon-navy);position:absolute}.global-header__trigger-menu>div:first-child{transform:translateY(-.6rem)}.global-header__trigger-menu>div:last-child{transform:translateY(.6rem);width:var(--spacer-16)}.aon-country-selector__sub-menu{position:fixed;left:0;bottom:0;top:7.2rem;min-height:calc(100vh - 7.2rem);width:100%;overflow-y:scroll;opacity:0;-webkit-overflow-scrolling:touch;background-color:var(--aon-gray-08)}@supports (-webkit-touch-callout:none){.aon-country-selector__sub-menu{padding-bottom:var(--spacer-80)}@media screen and 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(min-width:1200px){.aon-gate-content__title--small{font-size:4rem;line-height:4.4rem;display:none}.aon-gate-content__X-button--large,.aon-gate-content__success-content,.aon-gate-content__title--large{display:block}.aon-gate-content__form-container{padding:11.5rem 0;--grid-columns:6}.aon-gate-content__X-button--small,.aon-gate-content__modal-nav-sticky{display:none}.aon-gate-content__X-button,.aon-gate-content__X-button--large{top:var(--spacer-40);right:var(--spacer-40)}.aon-gate-content__success-icon{margin-bottom:var(--spacer-32)}.aon-gate-content__success-content .title{font-size:4rem;line-height:4.4rem}}@media screen and (min-width:1900px){.aon-gate-content__success-content .title,.aon-gate-content__title--small{font-size:4.8rem;line-height:5.2rem}}@media screen and (min-width:1200px){.aon-gate-content__success-content .title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:2.8rem;line-height:3.2rem}}@media screen and (min-width:1200px) and (min-width:650px){.aon-gate-content__success-content .title{font-size:3.2rem;line-height:3.6rem}}@media screen and (min-width:1200px) and (min-width:1900px){.aon-homepage-hero__scroll-loader p,.aon-homepage-hero__section-navigation .thumbnail__content p,.global-header__mega-menu-link{font-size:1.8rem;line-height:2.2rem}.global-header__contact a,.global-header__link{font-size:1.6rem;line-height:2.4rem}.aon-gate-content__success-content .title{font-size:3.8rem;line-height:4rem}}.aon-gate-content__success-content .description{grid-column:span 6;margin-bottom:var(--spacer-48);color:var(--aon-gray-02)}.aon-gate-content__success-content .aon-button{width:100%}.aon-gate-content__success-form{row-gap:0!important;padding:var(--spacer-48) var(--spacer-24)}.aon-gate-content__success-form-container{padding:8.8rem 0 0}.aon-gate-content__success-sidebar{padding:var(--spacer-24);display:none}@media screen and (min-width:650px){.aon-gate-content__success-content .description{margin-bottom:var(--spacer-40)}.aon-gate-content__success-content .aon-button{grid-column:1/-1;width:fit-content}.aon-gate-content__success-form{padding:var(--spacer-48) var(--spacer-40)}.aon-gate-content__success-form-container{padding:10rem 0 0}.aon-gate-content__success-sidebar{padding:var(--spacer-32) var(--spacer-40)}}.aon-gate-content__success-sidebar .aon-gate-content__sidebar--header{display:flex;justify-content:space-between}.aon-gate-content__success-sidebar .aon-gate-content__download-text,.global-header__languages .aon-country-selector__sub-menu,.global-header__mask,.global-header__mask-item,.global-header__mega-sub-menu,.global-header__search .search-nav-zero{display:none}.aon-gate-content__sidebar--description{grid-column:1/-1}@media screen and (min-width:1200px){.aon-gate-content__success-form{padding:0}.aon-gate-content__success-form-container{padding:var(--spacer-80) 0 var(--spacer-128)}.aon-gate-content__success-sidebar{display:block;padding:var(--spacer-80) var(--grid-gap) var(--spacer-128) var(--spacer-48)}.aon-gate-content__sidebar--description,.aon-gate-content__success-sidebar .aon-gate-content__download-text,.aon-gate-content__success-sidebar .aon-gate-content__sidebar--header{display:block}}.aon-switch{display:inline-block;min-width:4.2rem;width:4.2rem;height:var(--spacer-24)}.aon-switch input[type=checkbox]{opacity:0;width:0;height:0}.aon-switch .aon-slider{position:absolute;top:0;left:0;right:0;bottom:0;background-color:var(--aon-gray-03)}.aon-switch .aon-slider:before{position:absolute;content:"";height:1.2rem;width:1.2rem;left:.6rem;bottom:.6rem;background-color:var(--aon-white)}.aon-switch .aon-slider.aon-round{border-radius:10rem;width:4.2rem;outline:transparent solid .2rem}.aon-switch .aon-slider.aon-round:before{border-radius:50%}.aon-switch__description-group{display:flex}.aon-switch__description-group 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class="aon-tray-layouts__left--title fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> What we do. </h4> <p class="aon-tray-layouts__left--subtitle fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> Through our global expertise across two key areas of need ― Risk Capital and Human Capital ― our clients are better advised within, and across, their risk and people strategies. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/capabilities" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="Browse All Capabilities" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Browse All Capabilities</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> </a> </div> </div> </div> <div class="solutions-tray-topics aon-tray-layouts__right"> <div class="aon-tray-layouts__right--content"> <div class="aon-industries-tray" data-component="IndustriesTray"> <ul class="aon-industries-tray__list fade-in-left"> <p class="aon-industries-tray__title"> Risk Capital </p> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-transfer" data-nav="1-1" tabindex="-1"> <h6>Broking and Risk Transfer</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/claim-management" data-nav="1-1" tabindex="-1"> <h6>Claim Management</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/reinsurance" data-nav="1-1" tabindex="-1"> <h6>Reinsurance</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-analytics" data-nav="1-1" tabindex="-1"> <h6>Risk Analytics</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-management" data-nav="1-1" tabindex="-1"> <h6>Risk Management</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-retention" data-nav="1-1" tabindex="-1"> <h6>Risk Retention</h6> </a> </li> </ul> <ul class="aon-industries-tray__list fade-in-left"> <p class="aon-industries-tray__title"> Human Capital </p> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/health-and-benefits" data-nav="1-1" tabindex="-1"> <h6>Health and Benefits</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/human-capital-analytics" data-nav="1-1" tabindex="-1"> <h6>Human Capital Analytics</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/investments" data-nav="1-1" tabindex="-1"> <h6>Investments</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/pensions-and-retirement" data-nav="1-1" tabindex="-1"> <h6>Pensions and Retirement</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/talent-and-rewards" data-nav="1-1" tabindex="-1"> <h6>Talent and Rewards</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/workplace-wellbeing" data-nav="1-1" tabindex="-1"> <h6>Workplace Wellbeing</h6> </a> </li> </ul> </div> </div> </div> </div> </section> <div class="global-header__mask-item" style="display:none;left:330px;right:calc(100vw - 562px)"></div> </li> <li class="global-header__mega-menu-item"> <a 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href="/en/industries/food-agribusiness-and-beverage" data-nav="1-1" tabindex="-1"> <h6>Food, Agribusiness and Beverage</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/healthcare-providers-and-services" data-nav="1-1" tabindex="-1"> <h6>Healthcare Providers and Services</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/hospitality-travel-and-leisure" data-nav="1-1" tabindex="-1"> <h6>Hospitality, Travel and Leisure</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/industrials-and-manufacturing" data-nav="1-1" tabindex="-1"> <h6>Industrials and Manufacturing</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/insurance" data-nav="1-1" tabindex="-1"> <h6>Insurance</h6> </a> </li> </ul> <ul class="aon-industries-tray__list fade-in-left"> <li 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style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> From navigating climate change to workforce resilience, today’s leaders need access to powerful insights to make better decisions. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/insights" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="View All Insights" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">View All Insights</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> </a> </div> </div> </div> <div class="aon-tray-layouts__right"> <div class="aon-tray-layouts__right--content"> <div class="aon-about-tray" data-component="AboutTray"> <div class="aon-about-tray__group fade-in-left"> <p class="aon-about-tray__title"> Featured Topics </p> <ul class="aon-about-tray__list"> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/trade"> <h6>Trade</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/technology"> <h6>Technology</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/weather"> <h6>Weather</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/workforce"> <h6>Workforce</h6> </a> </li> </ul> <a href="/en/insights" class="aon-button aon-button__tertiary aon-button__tertiary--navy insights-view-all fade-in-left"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">More Insights</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" 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class="container aon-tray-layouts about-tray" data-component="AboutTray"> <div class="aon-tray-layouts__left aon-tray-layouts__left--theme-light-gray"> <div class="aon-tray-layouts__left--header aon-about-tray__header"> <h4 class="aon-tray-layouts__left--title fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> Aon is in the business of better decisions. </h4> <p class="aon-tray-layouts__left--subtitle fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> We exist to shape decisions for the better — to protect and enrich the lives of people around the world. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/about" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="Learn More" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" 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href="/en/about/inclusion-and-diversity"> <h6>Inclusion and Diversity</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/leadership-and-governance"> <h6>Leadership and Governance</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="https://jobs.aon.com/"> <h6>Careers</h6> </a> </li> </ul> </div> <div class="aon-about-tray__group fade-in-left"> <p class="aon-about-tray__title"> Organizing Around Today's Biggest Client Needs </p> <ul class="aon-about-tray__list"> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/risk-capital" data-nav="3-6" tabindex="-1"> <div class="aon-about-tray__card"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_152,w_270/https://assets.aon.com//-/media/images/aon/about/risk-capital-hero-banner.png"/><source media="(min-width:1200px)" 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class="aon-article-hero__media aon-article-media"> <div class="aon-article-media__shade"></div> <div class="aon-article-media__img-container"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_965,w_1716/https://assets.aon.com//-/media/images/aon/insights/reports/2023/top-risks-facing-organizations-in-latin-america-banner.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_718,w_1277/https://assets.aon.com//-/media/images/aon/insights/reports/2023/top-risks-facing-organizations-in-latin-america-banner.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_359,w_639/https://assets.aon.com//-/media/images/aon/insights/reports/2023/top-risks-facing-organizations-in-latin-america-banner.jpg"/><img class="aon-img" 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href="/cdn-cgi/l/email-protection#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" target=""> <svg class="aon-icon" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#mail-outline"></use> </svg> </a> </div>  </div> </div> <h4 class="aon-article-hero__summary regular"> Latin American respondents to our Global Risk Management Survey (GRMS) ranked business interruption as the number one current risk for the region. </h4> </section>  <section class="layout-rich-text container"> <section class="column-content">  <div class="richtext-editor-place"> <h4>Current Risks</h4> <p>Despite the resurgence in employment, recovery in the service sector and strong commodity prices that followed the pandemic, Latin American organizations have grappled with the impacts of persistent high inflation and interest rates, slow economic growth and geopolitical volatility. The region’s greatest strengths—vast natural resources, competitive labor costs and relatively open foreign trade—are hindered, in part, by the region’s continuing struggles with social inequality, political volatility, high government debt, climate change and corruption. </p> <p>Political volatility within the region complicates the implementation of structural reforms, which is largely erratic. And Latin American participants in our latest survey expressed concern over this dynamic, ranking political risk and regulatory or legislative changes as their number five and three current risks, respectively.</p> <h6>Top 10 Current Risks: Latin America</h6> <ol> <li>Business Interruption</li> <li>Cyber Attack or Data Breach</li> <li>Regulatory or Legislative Changes</li> <li>Commodity Price Risk or Scarcity of Materials</li> <li>Political Risk</li> <li>Economic Slowdown or Slow Recovery</li> <li>Supply Chain or Distribution Failure</li> <li>Property Damage</li> <li>Damage to Brand and Reputation</li> <li>Weather and Natural Disasters</li> </ol> <style> .aon-eyebrow__optional-text{display:none} </style> <p>Cyber attack or data breach, ranked the number nine current risk in 2021, rose to number two in 2023. This significant jump likely reflects the rapid adoption of digital technologies to close technology gaps in some countries and digitalize industries across sectors. Several high-profile cyber events occurred in the region in recent years, perhaps most notably the April 2022 <a rel="noopener noreferrer" href="https://www.nytimes.com/2022/05/17/us/politics/russia-hacking-costa-rica.html" target="_blank">ransomware attack</a> on Costa Rica’s finance ministry that paralyzed the government and put companies in the region on notice.</p> <p>Respondents from Latin America ranked damage to brand or reputation as their ninth-biggest current risk—the first time it has appeared in the top 10 since we began surveying the region. This could reflect the rise of stronger regional brands receiving sizable investments from their owners across the region and even worldwide, and it appears to be a sign of increased maturity from risk managers, who are increasingly recognizing risks to intangible assets such as brands, reputation or intellectual property.<br/> <br/> Respondents ranked weather and natural disasters as the number 10 current risk in Latin America—the only region in which this risk appears in the top 10. Scarce public support for disaster relief in the region puts the onus on companies to manage and recover from events. At the same time, awareness of the potential business disruptions posed by extreme weather appears to be on the rise as floods, landslides and droughts in the region grow more frequent and severe. Half of respondents from Latin America noted they expected that increasingly volatile weather could prevent them from hitting their business targets. </p> <h4>Underrated Risks</h4> <p>Because participation in our survey took place while much the region suffered from sluggish growth, human capital risks, such as failure to attract and retain top talent and workforce shortages, did not rank among the top 10 current risks for Latin America, unlike in other regional rankings. And yet the fact that they also did not make the list of top 10 future risks is concerning, given that stronger demand for talent will accompany future growth. Wider acceptance and availability of remote work opportunities means that Latin America–based organizations need to remain competitive to garner top talent in a global market, especially in high-demand STEM fields. Building this competitive advantage can help ensure companies are able to take full advantage of opportunities to support their growth, as well as evolving trends such as nearshoring.</p> <p>Respondents in Latin America ranked failure to innovate and meet customer needs as their number 18 current and number 17 future risk. Like other intangible assets, innovation and customer experience require investment and protection. Although a significant part of Latin America’s economy is served by local subsidiaries of multinational corporations centering their innovation at headquarters, by reinforcing employer branding and benefits strategies to attract and retain a diverse workforce, regional champions and multinationals can help connect with their customers and incubate innovation locally. </p> <p>As a group, environment-related risks (such as weather and natural disasters [ranked 10]; environmental risk [ranked 14]; climate change [ranked 15]; and environmental, social and governance [ESG] and corporate social responsibility [CSR] [ranked 28]) can be considered an underrated category among current risks. Though some risks rank higher on the region’s future top 10 list—climate change moves up to number seven, for example—the survey results signal that the level of attention to environmental matters is inadequate. In other regions around the world, scrutiny of human activity’s impact on the environment and efforts to reduce that impact are on the rise. As a result, leaders of organizations in the region should focus on these risks to strategize and prepare as consumers, investors and governments hold their organizations increasingly accountable for their environmental impact.</p> </div>  </section>  <section class="column-siderail "> <article class="siderail-card"> <h6 class="siderail-card__title"></h6> <figure class="siderail-card-figure"> <a href="/en/insights/collections/top-10-global-risks" class=""><picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_240,w_426/https://assets.aon.com//-/media/images/aon/insights/reports/2023/grms-top-10-risks.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/aon/insights/reports/2023/grms-top-10-risks.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_286,w_508/https://assets.aon.com//-/media/images/aon/insights/reports/2023/grms-top-10-risks.jpg"/><img class="aon-img aon-aspect-ratio--16-9" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/aon/insights/reports/2023/grms-top-10-risks.jpg" alt="Top 10 risks" loading="lazy"/> </picture></a> <figcaption class="siderail-caption"> <p class="aon-eyebrow">Collection</p> <h6 class="siderail-caption__title"> <a href="/en/insights/collections/top-10-global-risks" class="downloadable siderail-link">Explore Top 10 Global Risks</a> </h6> <div class="siderail-cta"> <a href="/en/insights/collections/top-10-global-risks" class="aon-button aon-button__tertiary aon-button__tertiary--navy" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Read More</span> <svg class="aon-icon aon-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> </a> </div> </figcaption> </figure> </article> </section>  </section>  <section class="stat-block grid homepage-animation-element stat-block--theme-navy"> <div class="stat-block-flex"> <div class="stat-block-content stat-block-content--single stat-block-content--no-border"> <h6 class="stat-block-item__title-small"> Losses and preparedness </h6> <p class="stat-block-item__text"> Just over a third of respondents suffered a loss due to the risks in the top ten, while only around half have plans in place to respond to them. </p> </div> <ul class="stat-block-inner"> <li class="stat-block-item"> <div class="stat-block-content list-content"> <h2 class="stat-block-item__title">34%</h2> <p class="stat-block-item__text stat-block-item__text--p2"> average percentage of respondents who indicated risks in the top ten contributed to a loss for their organization in the 12 months prior to the survey. </p> <p class="stat-block-item__source-field"> Source: Aon's 2023 Global Risk Management Survey </p> </div> </li> <li class="stat-block-item"> <div class="stat-block-content list-content"> <h2 class="stat-block-item__title">53%</h2> <p class="stat-block-item__text stat-block-item__text--p2"> average percentage of respondents who stated their organizations have set up a plan to respond to risks in the top ten. </p> <p class="stat-block-item__source-field"> Source: Aon's 2023 Global Risk Management Survey </p> </div> </li> </ul> </div> </section>  <section class="layout-rich-text container"> <section class="column-content">  <div class="richtext-editor-place"> <h4>Future Risks</h4> <p>Risks requiring long-term planning, such as climate change, cash flow and liquidity risk and increasing competition were ranked among Latin America’s future top 10, at numbers seven, eight and nine, respectively. Meanwhile, more immediate, event-based risks fell in future ranking. For example, the top-ranked current risk, business interruption, fell to number six in future risks, while property damage, ranked number eight in current risk, fell out of the future top 10 altogether, to number 11. Taken together, these trends are an indication of organizations’ increasing focus on building agility and resilience to support growth amid ongoing challenges. </p> <h6>Top 10 Future Risks: Latin America</h6> <ol> <li>Political Risk</li> <li>Cyber Attack or Data Breach</li> <li>Commodity Price Risk or Scarcity of Materials</li> <li>Regulatory or Legislative Changes</li> <li>Economic Slowdown or Slow Recovery</li> <li>Business Interruption</li> <li>Climate Change</li> <li>Cash Flow or Liquidity Risk</li> <li>Increasing Competition</li> <li>Weather and Natural Disasters</li> </ol> <p>Political risk is already important as a current risk, at number four, but it is also seen as a growing threat: it dominates the ranking of future risks at number one. This reflects geopolitical instability around the world but especially reflects the severe instability experienced in Latin America, which frequently witnesses abrupt swings from one extreme to the other along the political spectrum. This makes it difficult to promote consistent policy reforms and introduces unpredictability that makes long-term planning an even harder task. Unsurprisingly, regulatory and legislative change is seen as both a key current and future risk, ranked at number three and number four, respectively.</p> <h4>How Can Organizations in Latin America Mitigate These Risks Effectively?</h4> <p>Survey participants from Latin America reported their level of readiness for the top 10 current risks at 53 percent, while the average reported readiness of other regions surveyed was around 65 percent. To close this gap, organizations should first quantify and understand their risk to make informed decisions to address identified vulnerabilities and create robust action plans for continuity, including evaluating risk finance or transfer solutions. Though the region continues to offer many growth opportunities, local expertise is needed to successfully navigate its risks and volatility.</p> <p>While organizations cannot eliminate risks posed by macroeconomic volatility within or outside of Latin America, they can explore solutions to mitigate or diversify these risks. For example, geographical diversification could help promote stability amid political, legislative and regulatory changes. An informed approach involving strategic alliances, joint ventures or acquisitions could accelerate efforts to capture the benefits of diversification. Protection is critical when embarking on such efforts because the decisions made by authorities that regulate competition around the world can be unpredictable, potentially posing obstacles to finalizing agreements.</p> <p>Latin America continues to expand its digitalization, and legislation to protect individual rights and privacy has been implemented in various countries within the region. There is clear recognition among survey respondents of the risks that go along with the region’s adoption of digital systems and more advanced technology, evidenced in the position of cyber attack or data breach as their number two current and future risk. Careful evaluation of cyber vulnerabilities, together with corrective action and insurance protection, can help organizations safeguard their continuity in the event of a cyber attack or data breach.</p> <p>While respondents ranked both climate change and weather and natural disasters in the top 10 future risks for the region, most reported they do not have plans in place for a transition to low-carbon energy, nor do they plan to disclose the environmental impact of their operations. With global capital market investors increasingly conscious of their environmental footprint, organizations’ growth can be inhibited if they cannot first plan to reduce their environmental impact and then measure and report their progress toward their sustainability goals. Advanced climate analytical models that fully consider the current effects of climate change may offer organizations an updated view of their exposure and help them cope with and plan for frequent extreme weather events.</p> </div>  </section>  <section class="column-siderail "> <article class="siderail-card"> <h2 class="siderail-card__title-big">15.4%</h2> <p class="siderail-card__p-2"> Only 15.4 percent of respondents in Latin America indicated they had quantified their exposure to political risks. </p> <p class="siderail__source-field"> Source: Aon's 2023 Global Risk Management Survey </p> <div class="siderail-cta"> <a href="/en/" class="aon-button aon-button__tertiary aon-button__tertiary--navy" datafileextension="" datafilename=""></a> </div> </article> </section>  </section>  <section class="layout-rich-text container"> <section class="column-content">  <div class="richtext-editor-place"> <p class="foot-note"><strong>General Disclaimer</strong><br/> This document is not intended to address any specific situation or to provide legal, regulatory, financial, or other advice. While care has been taken in the production of this document, Aon does not warrant, represent, or guarantee the accuracy, adequacy, completeness or fitness for any purpose of the document or any part of it and can accept no liability for any loss caused by reliance on it. Any recipient shall be responsible for the use to which it puts this document. This document has been compiled using information available to us up to its date of publication and is subject to any qualifications made in the document. </p> </div>  </section>  </section>  <div class="aon-carousel aon-carousel-media homepage-animation-element aon-carousel--theme-light-gray container grid aon-carousel--3-up aon-carousel-media--16-9 aon-carousel--3-up-without-numbered" data-component="Carousel"> <section class="aon-carousel__header"> <h3>Related Products & Solutions</h3> <p> </p> </section> <section class="aon-carousel__content" aria-label="Carousel"> <ul class="aon-carousel__slide list-content-cards"> <li class="aon-carousel__slide-item"> <article class="content-card"> <a href="" target="" class="content-card__topper content-card__topper--media"> <div class="overlay" aria-hidden="true" data-position="01"></div> <picture><source media="(min-width:1900px)" 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srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/people/people-crowd-silhouette-1396661791.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/people/people-crowd-silhouette-1396661791.jpg" alt="Economic Slowdown/Slow Recovery" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">4 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-3-economic-slowdown-slow-recovery?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{899FC833-A9AE-4432-B426-567F73AF509F}" class="content-card__title" target="_blank"> Economic Slowdown or Slow Recovery </a> </article> </li> <li id="aon-collection-carousel-item-{C9DA9B0C-A943-45D8-80D5-38FEDBD12CFF}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-4-failure-to-attract-or-retain-top-talent?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{C9DA9B0C-A943-45D8-80D5-38FEDBD12CFF}" class="content-card__topper content-card__topper--media" target="_blank"> <div class="overlay" aria-hidden="true" data-position="04"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_271,w_271/https://assets.aon.com//-/media/images/photos/people/people-crowd-stairs-90339647.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_190,w_190/https://assets.aon.com//-/media/images/photos/people/people-crowd-stairs-90339647.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/people/people-crowd-stairs-90339647.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/people/people-crowd-stairs-90339647.jpg" alt="Failure to Attract or Retain Top Talent" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">5 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-4-failure-to-attract-or-retain-top-talent?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{C9DA9B0C-A943-45D8-80D5-38FEDBD12CFF}" class="content-card__title" target="_blank"> Failure to Attract or Retain Top Talent </a> </article> </li> <li id="aon-collection-carousel-item-{28F920AF-2464-4F0C-A923-5632340C9A3C}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/global-risk-management-survey/top-global-5-regulatory-or-legislative-changes?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{28F920AF-2464-4F0C-A923-5632340C9A3C}" class="content-card__topper content-card__topper--media" target="_blank"> 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aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">5 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-5-regulatory-or-legislative-changes?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{28F920AF-2464-4F0C-A923-5632340C9A3C}" class="content-card__title" target="_blank"> Regulatory or Legislative Changes </a> </article> </li> <li id="aon-collection-carousel-item-{147F3E85-F582-42CF-92A5-C94D51C63EF8}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-6-supply-chain-and-distribution-failure?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{147F3E85-F582-42CF-92A5-C94D51C63EF8}" class="content-card__topper content-card__topper--media" target="_blank"> <div class="overlay" aria-hidden="true" data-position="06"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_271,w_271/https://assets.aon.com//-/media/images/photos/industries/banners/transport-logistics-hero-01-1396977662.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_190,w_190/https://assets.aon.com//-/media/images/photos/industries/banners/transport-logistics-hero-01-1396977662.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/industries/banners/transport-logistics-hero-01-1396977662.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/industries/banners/transport-logistics-hero-01-1396977662.jpg" alt="Supply chain" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">4 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-6-supply-chain-and-distribution-failure?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{147F3E85-F582-42CF-92A5-C94D51C63EF8}" class="content-card__title" target="_blank"> Supply Chain or Distribution Failure </a> </article> </li> <li id="aon-collection-carousel-item-{03C92AEF-9340-437C-A416-D9842F104F1E}" class="aon-carousel__slide-item"> <article class="content-card"> <a 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srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/industries/banners/industrial-manufacturing-hero-01-519690994.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/industries/banners/industrial-manufacturing-hero-01-519690994.jpg" alt="Commodity Price Risk or Scarcity of Materials" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">6 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-7-commodity-price-risk-and-scarcity-of-materials?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{03C92AEF-9340-437C-A416-D9842F104F1E}" class="content-card__title" target="_blank"> Commodity Price Risk or Scarcity of Materials </a> </article> </li> <li id="aon-collection-carousel-item-{C7D1928D-B0A5-4285-980F-80AFB94091BD}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-8-damage-to-brand-or-reputation?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{C7D1928D-B0A5-4285-980F-80AFB94091BD}" class="content-card__topper content-card__topper--media" target="_blank"> <div class="overlay" aria-hidden="true" data-position="08"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_271,w_271/https://assets.aon.com//-/media/images/photos/business/business-man-asia-1492190979.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_190,w_190/https://assets.aon.com//-/media/images/photos/business/business-man-asia-1492190979.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/business/business-man-asia-1492190979.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/business/business-man-asia-1492190979.jpg" alt="Damage to Brand or Reputation Hero Banner" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">4 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-8-damage-to-brand-or-reputation?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{C7D1928D-B0A5-4285-980F-80AFB94091BD}" class="content-card__title" target="_blank"> Damage to Brand or Reputation </a> </article> </li> <li id="aon-collection-carousel-item-{7D39CB63-B9CB-4201-8872-4B3BDCC78984}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-9-failure-to-innovate-and-meet-customer-needs?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{7D39CB63-B9CB-4201-8872-4B3BDCC78984}" class="content-card__topper content-card__topper--media" target="_blank"> <div class="overlay" aria-hidden="true" data-position="09"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_271,w_271/https://assets.aon.com//-/media/images/photos/capabilities/banners/strategy-technology-hero-1153350345_e.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_190,w_190/https://assets.aon.com//-/media/images/photos/capabilities/banners/strategy-technology-hero-1153350345_e.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/capabilities/banners/strategy-technology-hero-1153350345_e.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/capabilities/banners/strategy-technology-hero-1153350345_e.jpg" alt="Failure to Innovate/Meet Customer Needs Hero Banner" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">5 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-9-failure-to-innovate-and-meet-customer-needs?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{7D39CB63-B9CB-4201-8872-4B3BDCC78984}" class="content-card__title" target="_blank"> Failure to Innovate or Meet Customer Needs </a> </article> </li> <li id="aon-collection-carousel-item-{5A23219A-74FA-4EAC-B980-49BC74EA398D}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-10-increasing-competition?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{5A23219A-74FA-4EAC-B980-49BC74EA398D}" class="content-card__topper content-card__topper--media" target="_blank"> <div class="overlay" aria-hidden="true" data-position="10"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_271,w_271/https://assets.aon.com//-/media/images/photos/people/people-crowd-1226216285.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_190,w_190/https://assets.aon.com//-/media/images/photos/people/people-crowd-1226216285.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/photos/people/people-crowd-1226216285.jpg"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/people/people-crowd-1226216285.jpg" alt="Increasing Competition" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text">4 mins</span> </p> <a href="/en/insights/reports/global-risk-management-survey/top-global-risk-10-increasing-competition?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{5A23219A-74FA-4EAC-B980-49BC74EA398D}" class="content-card__title" target="_blank"> Increasing Competition </a> </article> </li> <li id="aon-collection-carousel-item-{D885ECB5-9BF6-4E31-B348-431F290FEA2D}" class="aon-carousel__slide-item"> <article class="content-card"> <a href="/en/insights/reports/business-decision-maker-survey?collection=6f6db0f9-59a5-48fb-ad90-9b82def899b7&parentUrl=/en/insights/reports/global-risk-management-survey/top-risks-facing-organizations-in-latin-america#aon-collection-carousel-item-{D885ECB5-9BF6-4E31-B348-431F290FEA2D}" class="content-card__topper content-card__topper--media" target="_blank"> <div class="overlay" aria-hidden="true" data-position="11"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_271,w_271/https://assets.aon.com//-/media/images/aon/insights/reports/2024/23127-bpi-executive-risk-survey-hero-1x1.png"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_190,w_190/https://assets.aon.com//-/media/images/aon/insights/reports/2024/23127-bpi-executive-risk-survey-hero-1x1.png"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_238,w_238/https://assets.aon.com//-/media/images/aon/insights/reports/2024/23127-bpi-executive-risk-survey-hero-1x1.png"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/aon/insights/reports/2024/23127-bpi-executive-risk-survey-hero-1x1.png" alt="Business Decision Maker Survey" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Report <span class="aon-eyebrow__optional-text">3 mins</span> </p> <a 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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. </p> <section class="aon-modal__featured-insights-cards"> <h6 class="aon-modal__featured-insights-title"> Featured Insights </h6> <article class="content-card"> <a href="/en/insights/articles/litigation-and-contingent-risks-unlocking-the-value-in-mergers-and-acquisitions" class="content-card__topper content-card__topper--media"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_240,w_427/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source 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<section class="aon-lead-modal__sidebar--cta"> <a href="/en/support" class="aon-button aon-button__tertiary aon-button__tertiary--navy"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Support (e.g., benefit sites, certificates, claims, etc.)</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> </a> </section> <section class="aon-lead-modal__sidebar--contacts"> </section> </section> </aside> <section class="aon-lead-modal__content"> <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=""> <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 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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> </section> <div class="modal-close aon-lead-modal__X-button"> <button aria-label="close" tabindex="0"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> <div class="modal-nav-sticky"> <h4> Let’s Connect </h4> <div class="modal-close"> <button aria-label="close" tabindex="-1"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </section> <input type="hidden" name="countryCode" value=""/> <input type="hidden" name="busPhone" value=""/> <input type="hidden" name="eyebrow" id="eyebrow" value="I’m interested in"/> <input type="hidden" name="leadModalTitleCTABanner" id="leadModalTitleCTABanner" value="Talking to Aon"/> <input type="hidden" name="leadModalTitleFromContactUs" id="leadModalTitleFromContactUs" value="Talking to Aon"/>  <section id="leadModalSuccess" class="modal modal--success" data-component="Modal" data-clear-params="openModal, utm_source, utm_medium, utm_campaign, utm_id, utm_term, utm_content, elqCampaignId" tabindex="-1"> <div class="modal-dialog modal-dialog--centered modal-dialog--fullscreen" aria-modal="true" role="dialog" aria-labelledby="lead-modal-title" aria-describedby="lead-modal-desc"> <div class="modal-content modal-content--fullscreen modal-content--success"> <div class="aon-lead-modal aon-lead-modal--success container"> <aside aria-labelledby="lead-modal-title" class="aon-lead-modal__sidebar"> <section class="aon-lead-modal__sidebar--header"> <h2 tabindex="-1" class="modal-title"> Thank You </h2> <p> Your request was submitted successfully and is on its way to our team. </p> </section> <section class="aon-lead-modal__sidebar--addresses"> <section class="aon-lead-modal__sidebar--cta"> </section> <section class="aon-lead-modal__sidebar--contacts"> </section> </section> </aside> <section class="aon-lead-modal__content"> <section class="aon-modal__success-content"> <div class="aon-modal__success-icon"> <svg class="aon-icon aon-icon__check-circle" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#check-circle"></use> </svg> </div> <h3 class="modal-title aon-modal__success-header"> We’ll be in touch soon. </h3> <p class="aon-modal__success-short-description"> Your request is being reviewed so we can align you to the best resources on our team. In the meantime, we invite you to explore some of our latest insights below. </p> <section class="aon-modal__featured-insights-cards"> <h6 class="aon-modal__featured-insights-title"> Featured Insights </h6> <article class="content-card"> <a href="/en/insights/articles/litigation-and-contingent-risks-unlocking-the-value-in-mergers-and-acquisitions" class="content-card__topper content-card__topper--media"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_240,w_427/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:650px)" 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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 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