Howden

Howden Group Holdings is a global insurance intermediary group that operates across several key areas: retail insurance broking, specialty and reinsurance broking, and underwriting. The company serves a diverse client base, from individuals to large multinational corporations, providing them with a range of insurance products and services tailored to their specific needs.

Its business model is centered on acting as a tech-enabled insurance distributor. Howden facilitates the provision of business-to-business (B2B) insurance through its core activities. The company has been actively expanding its global footprint and service offerings through strategic acquisitions. Recent moves include the acquisition of Barnett Waddingham, a UK professional services consultancy specializing in risk, pensions, and employee benefits, and ARM Group Holdings, one of the largest independent insurance managers. These acquisitions signal Howden's strategy to broaden its capabilities and enter new markets, such as captive management. The company has also been strengthening its presence in Asia, particularly in the Japanese retail insurance market.

Keywords: insurance intermediary, reinsurance, retail broking, specialty broking, underwriting, employee benefits, risk management, captive management, B2B insurance, global insurance