Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Liechtenstein
Netherland
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Hong Kong
New Zealand
India
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
USA
Bahrain
Israel
Morocco
Oman
Saudi Arabia
Tanzania
UAE
One seamless approach
At Howden, climate advisory and insurance expertise are seamlessly integrated to deliver comprehensive, end-to-end solutions with measurable impact. Insurance is a cornerstone of the financial system and when deployed strategically, it unlocks project financing, lowers capital costs, and accelerates climate progress.
We help clients gain clarity on their starting point, confidence in their strategy and certainty in execution. Our approach is grounded in turning risk into actionable cashflows. Backed by deep expertise in climate science, policy, and financial services and supported by specialist partners, we deliver flexible analytics enriched with relevant data sources.
Our insights are clear and jargon-free, helping you cut through complexity, focus on what matters, and act decisively.
How climate change can impact your business
- Challenges accessing affordable insurance coverage
- Insurance coverage reducing over time with new sub-limits or higher excesses
- Weather incidents causing damage to property and business interruption
- New disclosure requirements
- Supply chain disruption
- Challenges accessing finance or increasing finance costs
- Reputation management issues (e.g. greenwashing)
- Compliance and legal issues
- New opportunities and markets
Adding value at every stage of the journey
We support clients across the full spectrum of climate strategy maturity. Some are just beginning to explore their exposure to climate risks, while others are advancing sophisticated plans for mitigation and resilience. No matter where you are on your climate journey, we're ready to partner with you.
Identify
Understand how climate and nature risks affect your business and how you compare to peers. Identify vulnerabilities and interdependencies across assets and operations to uncover physical, transition, and systemic risks.
Quantify
Explore climate and nature challenges through detailed analysis and impact modelling. Quantify risks with data-driven insights, scenarios, and metrics, backed by insurance industry expertise for greater accuracy and confidence.
Respond
Stay ahead with innovative insurance, risk, and finance solutions. Build credible plans that boost stakeholder confidence and embed resilience, governance, and control into decision-making and investments.
Turn climate risk into financial strategy
We transform climate risks into actionable cashflows - enabling smarter decisions, whether through direct investment into resilience or transferring unwanted residual risk to insurance markets.
As the effects of climate change increase and compound, purchasing insurance will become more complicated. It is highly likely that insurers will become much more selective as to which risks they take on.
Insurability is the ability to secure affordable insurance for assets, investments, operations and projects. In the climate change era, maintaining insurability is fast becoming as important as maintaining a good credit rating. To get affordable coverage, you’ll need to think like insurers think – and have the data to back it up. Howden is ready to support your insurability efforts. We’ll add value all the way from analysis and planning to insurance placement and claims advocacy.
Download our report: The insurability imperative.
As the climate changes, so does insurance procurement. Be prepared.
What we're doing
Just a few examples of how we're using insurance to support the climate response.
Parametric and alternative risk transfer solutions
Insurance offers a versatile toolkit for transferring risk, with a range of solutions tailored to different challenges. Among these, parametric insurance is gaining traction as climate variability increases, providing fast, transparent payouts based on predefined triggers.
Howden has a dedicated parametric team with more than fifteen years’ experience in structuring and placing parametric insurance covers for a spectrum of clients, including multilateral corporate operations, public entities and financial institutions. We are committed to understanding and addressing our clients’ unique risk profiles to provide fit-for-purpose solutions to weather and natural catastrophe exposures.
Howden is pioneering new parametric insurance solutions designed to better align with clients’ evolving needs. One example is a yield shortfall product that provides protection to farmers when seasonal events lead to reduced crop yields. Download here.
De-risking carbon
As the global economy accelerates its transition to net zero, carbon markets are playing a critical role in financing climate action. But with opportunity comes risk. At Howden we have seasoned industry experts with both project finance and project development experience who can help clients understand risks across the carbon credit lifecycle and develop bespoke insurance solutions to transfer those risks.
Whether you're transacting in compliance or voluntary markets, carbon insurance provides the trust and resilience needed to scale climate solutions. From nature-based solutions to engineered removals, from project origination to credit retirement, we build insurance solutions that unlock capital and accelerate climate impact. Our team advises governments, investors and corporates.
Cultural burning
Insurance is crucial for most economic activities. Without the financial risk mitigation and governance that insurance offers, most business operations and investments would cease to exist.
For thousands of years, Australia’s First Nations people have practised sophisticated fire management techniques, like those found in other cultures globally. As climate change drives more frequent and severe bushfires, the urgency to restore and support effective land management practices has never been greater.
Howden is working closely with Indigenous communities, fire practitioners and insurance markets to develop a public liability insurance product tailored to cultural burning, ecological and savanna fire management. Recognising the unique role of traditional fire management in landscape resilience and biodiversity, this initiative aims to provide coverage that reflects the specific risks and practices, while supporting Indigenous-led stewardship and reducing barriers to implementation.
Meet the team
