The world and its risks are constantly changing. As your company evolves, the risks that you are exposed to are likely to change too.

As the home of your business, few risk management exposures are more fundamental than those related to your property and, as operations grow in size and scope, so do the risks, which presents the danger of rendering your current property cover inadequate.

In recognition of the business-critical nature of having a property programme that responds when you need it to, we work in partnership with you to design a bespoke solution to protect your business premises against all manner of risks.

How we design your programme:

  • Using some of the most advanced catastrophe modelling available, we identify and quantify your company's exposure to catastrophic loss caused by:
       - windstorm;
       - aircraft;
       - lightning;
       - terrorism;
       - computer viruses; and
       - supply chain disruption.
  • We mitigate the financial impact of these risks through Business Continuity Planning.
  • We determine the financial value of transferring and retaining risk.

Howden Broking Group is located in more than 60 countries all over the world so we will be able to assist in:

  • the design and placement of your programme with (re)insurance markets throughout the world;
  • identifying and reducing your risks of loss through active risk control protocols and development and testing of Business Continuity Plans;
  • providing policy form comparisons;
  • crafting manuscript wording;
  • providing guidance on current topics and highlighting emerging trends in our regular publications; and
  • expediting claim negotiations.

Key Types of Coverage:

  • "All risks" for property damage and time element – domestically or globally
  • Boiler and machinery
  • Difference in conditions (earthquake and flood)
  • Builders' risk
  • Contractors' equipment
  • Stand-alone terrorism
  • Transit
  • Terrorism

Where traditional property markets are sometime unable to respond to the entirety of a client's risks, our team has the benefit of being able to pull in resources from across the Group, to create a customised, comprehensive risk protection portfolio.

We serve clients in every industry group, but have particularly noteworthy expertise with:

  • Retailers
  • Real estate owners and managers
  • Developers
  • Manufacturers
  • Utilities / energy