Small-to-Medium Businesses

If you’re running an SME, people are counting on you: whether your family, your employees or both. Keeping your business running smoothly is key. To do this effectively, you need to identify and manage all the risks your business faces.

Howden’s specialist brokers provide you with all the support you need – and we can help you leverage the insurance markets to power your growth plans too. 

Some business risks are obvious and easy to mitigate. For example, if you have property, you know that a fire extinguisher is a good investment. However, some risks are harder to identify, and some are simply out of your hands. No matter how risk-aware you are, an unforeseen earthquake or global pandemic can cause huge damage to your businesses.

That is where insurance comes in. Even the most careful businesses can’t protect against everything, and insurance can provide security when unfortunate events do happen.

But with so many different types of insurance out there, and so many different providers, it can be hard to know what’s right for your business. To get the right coverage, you need to talk to the experts in Small to Medium Enterprise Business insurance.

No matter what type of small business you are running, our experienced team will deliver expert risk advice and cost-effective insurance solutions to meet your specific business needs.

Get in touch

Let's talk...

+62 21 2939 4900

We'll put you in touch with the person best equipped to help.

Call us on +62 21 2939 4900 or drop us a quick message and we'll get back to you asap

Visit us at: Millennium Centennial Center, 33rd Floor, Jl. Jend. Sudirman Kav.25, Jakarta 12920

Are you a:

Save time, cut risk

At Howden, we do all we can to take admin pressure off your in-house teams. Our client portal adds value to your risk management & insurance processes, by making them faster, more transparent & easier to manage.

three people reviewing documents up close

Meet the team

Photo of Firman Amersyah


Firman Amersyah
Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President, Strategic Business Development

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Subur Christianto


Subur Christianto
Senior Vice President
Photo of Subur Christianto

Subur Christianto

Senior Vice President, Financial, SME, & Affinity Risks

Subur joined Howden September 2012. Subur leads Financial Risks, Small Medium Enterprise and Affinity Risks division, as Assistant Vice President. Part of his responsibilty in SME, Affinity is to handle large chain-business risks like chain-shops, warehouses, restaurants as well as motor fleet risks. Subur is one of the key initiator to develop online based insurance facility which beneficial to our clients.

He is also responsible to develop specialty financial risks to adopt the group expertise and deploy to local business focus, such as Directors & Officers, Professional Indemnity, Trade Credit risks and the like.

Prior to joining Howden, Subur was working for JLT to focus on corporate and energy risk where handle major and complex risks clients. Previously also he worked for a Japanese insurance company, MSIG Insurance, focusing on small and medium enterprise. He has more than 7 years experience.

Area of expertise includes property insurance, motor vehicles insurance and various insurances for small and medium enterprise.

Subur graduated from Universitas Brawijaya with Finance major. He also holds from the same university a master degree in Corporate Finance. He holds professional qualification Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Eko Heri Maryanto


Eko Heri Maryanto
Assistant Vice President
Photo of Eko Heri Maryanto

Eko Heri Maryanto

Assistant Vice President, Financials, SME & Affinity Risks

Eko joined Howden in May 2014 Assistant Manager in Financial SME & Affinity Division. Having been promoted in January 2018 as Business Manager, he was given a new role to lead Small Medium Enterprise Risks(SME) . He is responsible for client servicing in Mid Enterprise Risks area and making sure to meet our client expectation.

Prior to joining Howden, Eko worked with PT. Asuransi Jasa Indonesia (Persero) for 18 years at many various division and responsibility of major client.

Eko graduated from STIE ISM and he also holds professional qualification Ahli Pialang Asuransi dan Reassurance Indonesia (APAI).