Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Liechtenstein
Netherland
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Fiji
Hong Kong
India
New Zealand
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
USA
Bahrain
Israel
Morocco
Oman
UAE
Saudi Arabia
Tanzania
What sets us apart?
We understand that running a small business can be stressful and you always need to have eyes on what the future may hold. With tailored insights and support, Howden makes sure you’re protected against your business’s unique risks as you continue to grow.
With our wealth of resources and expertise, we deliver insurance tailored to a variety of industries, including but not limited to:
- Office-based businesses
- Construction
- Hospitality and leisure
- Charities
- Manufacturing
- Chauffeur
Local broker with industry-leading resources
With offices all over the UK, we’re always close enough for you to discuss your insurance needs with our experts face-to-face if required. Howden is an industry-leading insurance business, which means you get access to specialists across the insurance industry who can provide the right information and insights for your company.
Cover that's tailored to your SME
SMEs make up over 99 per cent of British business* (Top UK Small Business Statistics 2024 – Forbes Advisor UK), but we understand each small business faces unique challenges and risks. Our network of specialists can assess your business in detail, finding insurance solutions that give you the best value and cover.
Insurance not just for now but the future
As an SME, you’re continually looking at ways to grow and expand. As your dedicated broker, we’ll be in regular communication with you from day one, ensuring you have the right cover as your company develops and evolves. We’ll also provide insights on risks and upcoming changes in your industry to help you plan and succeed in the future.
Products & services for SME's
Cyber insurance
We make sure that you know how your insurance policy can respond to a cyber incident, and have a strong, experienced claims handling team to support you during the claims process, should an incident occur.
Learn more on Cyber coverageProfessional Indemnity Insurance
Giving advice for a living can be perilous – you are only as good as your last client, and getting sued would be seriously damaging, to both your reputation and personal financial wellbeing. That’s why complete confidence in your insurance is as important as confidence in your own abilities.
Understand Professional IndemnityPublic & Employers' Liability Insurance
We work with our clients to tailor a policy that meets the requirements of their business, sector, and territory. That means that we can understand our clients’ exact risk profiles, and create a policy that offers comprehensive coverage.
Explore policy optionsDirectors' and Officers' insurance (D&O)
Directors’ and Officers’ (D&O) insurance and Management Liability insurance can help protect these individuals against the resulting financial costs, such as fines and legal fees.
See more on D&O InsuranceEmployee Benefits for SME's
With our global reach and expertise, we have helped numerous businesses navigate the complex landscape of employee benefits across various industries.
Learn how we support your peopleRisk Management
We’re not just an insurance broker. At Howden, we provide risk management solutions to help you identify, manage and reduce your risks.
Explore our risk management services
Unveiling three priorities for SMEs and the impact insurance can have
Hosts Tim Weymouth and Jack Durrant invited Scott English, the founder and Global Brand Director of Elite Business magazine on to our podcast to talk about all things SME. Some fascinating insights and stories were shared about sustainability, businesses going global, and networking.
Calculate your business's National Insurance tax increase
Quickly estimate the impact of National Insurance changes on your business contributions
Our SME budget support winner
We are regularly exploring ways to support growing businesses. Our latest competition asked businesses in the SME space to tell us about the state of the market in relation to changes and challenges like the cost-of-living and the 2024 Autumn Budget. Through this we heard fascinating stories from across the space which will inform future content and support. From these insights we chose our winner, Chuku's - a Nigerian Tapas Restaurant. Hear about their story from their founders here.
