
Risk management for the property industry
Howden is an independent specialist insurance broker for companies in the property industry.
We provide property companies with access to comprehensive insurance solutions and specialised property services. Our customised products covering operational risks will increase your entrepreneurial freedom and future-proof your business. We have sophisticated cover concepts on a framework contract basis in building and liability insurance.
The combination of expertise in the property industry and competence in insurance matters guarantees benefits for our customers. At our offices in Fulda, Hamburg, Karlsruhe, Cologne, Munich and Potsdam, more than 90 employees look after over 3,000 customer relationships. Regionally responsible teams of experts provide local customer support.
Thanks to the Howden One network with more than 20,000 employees worldwide from all insurance sectors, Howden has efficient access to the national and international insurance markets.
Local support. Global reach.

Efficient insurance concepts are a good start ...
Risk Management
We ensure an ongoing holistic view of your company's risk situation. We recognise and evaluate existential risks for you and identify solutions to overcome them.
Comprehensive and cost-efficient insurance concepts provide maximum security for property service providers and owners. The needs of your customers, clients, owners and other business partners are appropriately taken into consideration. Loss prevention and precaution play an important role in our consulting philosophy. Our sophisticated solutions for the property industry also ensure that your company is effectively released from liability towards clients.
Contract management
We manage your insurance contracts smoothly and unbureaucratically according to your specifications. The content and form of the contracts are constantly analysed to ensure they are up to date and plausible.
In consultation with you, we adapt the insurance cover and contract conditions to the prevailing market conditions. We analyse existing contracts and, as your independent representative, draw up specific recommendations for optimisation.
We look for suitable risk carriers and optimise prices and benefits for your individual insurance needs. We follow your individual instructions when invoicing and allocating the apportionable insurance premiums. Shifting the administrative workload to our specialists creates new scope for increasing your earning power.
... our risk management includes more
Process optimisation & digitalisation
Effort-optimised and resilient work processes relating to property insurance are the driving force for your profitability. Our digitalisation team works closely with you to network our analogue and digital processes as efficiently as possible.
Claims settlement
We guarantee fast and uncomplicated claims processing. The reporting procedures have been simplified to such an extent that frequent claims are recorded and processed using a shortened procedure. In the event of major claims, our experienced employees support claims negotiations with the insurer on site. Setting up a system for processing insurance claims is not only a complex task, but also a strategic decision. Together we will set up the right solution for your company.
Consultancy and qualification
Howden works with you to optimise your work processes for managing business and property insurance. Our wide range of training courses increase the expertise of your specialist staff and at the same time help you to fulfil the requirements for professional certification. Our many years of participation in conferences and training events organised by various professional associations ensure that we maintain and expand our specialist knowledge. This is one of the reasons why we see ourselves as a company and partner to the property industry.
Partner network
With access to our extensive network of service providers, your company always has the resources it needs.
Transactions
We actively accompany the consolidation trends on the market with you and support you in potential changes to your company structure.
Continuity
Maintaining your business operations at all times is our top priority. Ensuring the flexible and location-independent deployment of human resources and the flow of information are among the first measures to be taken. We work with you to design a holistic concept.
IT security
Even in the property industry, there is no way around the use of digital tools. We minimise your risks arising from the integration of new solutions into the IT landscape. For the increasing danger of cyber attacks, we not only have insurance concepts for own and third-party damage, but also organise crisis management.

Thinking risk management further.
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