Howden Captive Services

At Howden, we empower organisations to turn risk into opportunity. For those exploring alternative risk transfer, we help transform strategy into results — by lowering the total cost of risk, opening doors to new capacity, and even generating underwriting profit. All of this is delivered through the power of collaboration and innovation across our global Howden network.

While many of our clients are leaders in Malaysia, our reach extends across Australia and New Zealand, reflecting the trust international businesses place in us.

Based in Labuan, we combine unrivalled local expertise with deep specialisation in the captive insurance sector. Labuan is the only domicile in the Asia-Pacific region to offer the Protected Cell Company (PCC) structure — a unique and flexible platform for alternative risk solutions. Howden is the only international insurance broker with a PCC established in Labuan, underscoring our commitment to innovation and leadership in the captive space. Through this, we provide clients with a truly distinctive platform to build, scale, and future-proof their captives.

With Howden, resilience isn’t just about protection — it’s about creating strategic advantage.

Captives explained

A "captive insurer" is an insurance vehicle, which is created and wholly owned by the business whose risks it is insuring; it is essentially a more structured and efficient way of self insuring and some of the benefits of a captive include:

The beauty of a captive insurer is that it provides a way of recognising the unique risk profile of the business being insured; it can respond to your specific needs and provide exactly the cover you require.

We can help with:

• Captive Feasibility
• Captive Review
• Pure Captive Setup / Management
• Cell Captive Rental

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