The Independent Choice

The experience we give our clients is everything to us

At Howden Iceland, we work for you. We're completely independent of insurance companies - we exist to find the solutions that are best for you.

We look after your interests down to the letter. Sometimes changing just a couple of words in an insurance document can have a significant effect on the terms of the contract, and therefore, decisions on claims and compensation. 

We review these issues for you and make beneficial changes to the wording, before you sign. 

Exceeding clients' expectations and resolving even the most difficult insurance cases to your benefit is a matter of honour for us. 

We carry out your assignments with an entrepreneurial, proactive approach - and we’re always on your side.


Wherever you need us

40 countries, 6500+ professionals, and a network of like-minded partners

A bigger piece of the pie

Truly international

Placing $10bn (USD) in insurance premiums for clients globally

A quiet word

Specialist support

Friendly, insightful consultants – all specialists, always on your side

We serve corporate clients in a variety of industries

Howden Iceland brings you specialist expertise in:

  • Risk Management
  • Liability Insurance
  • Property Damages
  • Business Interruption
  • Cyber Insurance
  • Directors & Officers Insurance.

What we do for you:

  1. Provide unbiased information on forms of insurance, quotes, premiums and terms
  2. Evaluate the risks your business faces and prepare risk management plans, which will save you time and money down the line
  3. Make personalised recommendations to suit your needs

A broker truly proves their worth in a claim situation

When an accident or other losses occur, we support you throughout the claims process. 

During a claim, we represent you in negotiations with the insurance company, handle appeals where necessary and submit the most difficult cases to the Insurance Complaints Board for a resolution.

More than 1 in 10 claims decisions by insurance companies are rejected in error. 

It is our job to make sure our clients are not part of the 10%. 

 Each year, we win many appeals to overturn insurer decisions. Our appeal work brings our clients a combined annual value of more than one million euros

We're always here to help

Let's talk...

 +354 781 3333

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

Get in touch via the online form below and we'll get back to you as soon as we can.

Preferred method of contact

How an insurance broker works

As an insurance broker, Howden is independent of insurance companies. An insurance broker always serves as its customer’s representative and looks after their interests. According to the legal definition, an insurance broker works on behalf of its customer and based on a service agreement signed with the customer. Examples of an insurance broker’s tasks include:

• customer risk assessment

• specification of insurance needs

• requesting quotations from insurance providers

• comparing quotations and preparing an objective analysis

• providing unbiased information on forms of insurance, insurance premiums and terms of insurance

• issuing a personal recommendation to choose an insurance solution that best suits the customer’s needs.

Working with a stable and trustworthy partner makes it safe for you to focus on your core business.

This reduces the time spent on insurance issues and minimises your headaches when damage occurs.

Your dealings with insurance companies are made much easier by you not having to familiarise yourself with every complicated insurance document.

An insurance broker stays up-to-date on changes to insurance terms and premiums as well as the development of the insurance market.

Operating internationally or planning to expand?

We can help you with risk assessment and protection. Our international network gives you access to specialised expertise even outside Iceland’s borders, with more than 20,000 professionals in over 90 countries all ready to help.

Iceland bike

Born in London, in 1994

In only 27 years, Howden Broking has grown from just three friends and a dog, to one of the biggest insurance brokers on the world stage. How did we do it? With a bold independent spirit, and a culture where everyone believes in four key principles.  

Big tick icon

People First

Giving all our people the platform to thrive

Big tick icon

Owners' Mindset

Empowered people deliver the best client service

Big tick icon

Socially responsible

Everybody should feel proud of where they work

Big tick icon

No Limits

Ambitious and innovative, each and every day

Mitigate. Transfer. Protect.

Let's talk...

 +354 781 3333

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

Get in touch via the online form below and we'll get back to you as soon as we can.

Preferred method of contact