Financial Lines

Specialist cover for leaders, professionals and institutions.

Directors & Officers

When decisions are challenged, it’s often the people who made them who bear the consequences. At Howden, we protect the individuals behind the functions, with specialist expertise and market access that makes a real difference when it matters.

When a decision gets challenged

Leaders make hundreds of decisions. Most go unnoticed. Some get challenged, and when they do, the consequences can be personal. Legal costs, reputational damage, and liability can fall on individuals, not just the company. Directors & Officers insurance makes sure the people at the top are protected, with access to market conditions they couldn’t secure on their own.

Strong defence when a client disagrees

Professionals are held to high standards. And sometimes, despite best efforts, a client disagrees with the outcome. Whether you’re a lawyer, an accountant, an architect, or an engineer, a claim against your work can be costly and distracting. Professional indemnity insurance gives you coverage robust enough to defend you. And if your field calls for more, we’ll show you what applies.

 

A community of specialists working for you

Financial Lines is a technical discipline that rewards expertise and relationships. Our team is made up exclusively of top specialists. They’re embedded in a global network built on shared knowledge, direct market access, and the kind of trust that only comes from working together over time. When a complex situation arises, we know who to call. And they know us.

Financial crime doesn’t play fair

Fraud doesn’t announce itself. Whether it originates inside the organisation or outside, the financial damage can be significant and hard to trace. Crime insurance makes sure you’re covered for it. For companies with additional exposures, we assess what else belongs in the programme.

Built for financial institutions

Banks, asset managers, and financial services firms face a risk profile that standard programmes aren’t designed to address. Regulatory pressure, interconnected exposures, and the scale of potential liability require a different level of expertise. Our specialists understand the environment and have worked in it. We structure programmes across the full spectrum of financial institution coverage, from leadership liability to operational risk.

When a decision gets challenged, who pays?

Too often, it's the people who made it. Let's make sure they're covered.

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