Casualty Reinsurance

Our Casualty Reinsurance team comprises sector experts boasting decades of experience. They work with local and global markets to develop tailor-made solutions for their clients, offering comprehensive Liability programmes for companies across a diverse range of sectors. 

We offer facultative reinsurance support for local insurance companies, including General Liability, Employer's Liability, Product Recall, and more. We also offer proactive claims management for long-tail liability claims, bringing together Reinsurer & TPA Loss Adjuster to provide effective solutions for diverse clients.

General Liability

We live in an increasingly litigation-driven world. The potential for a minor mishap to result in a major insurance claim has never been greater. No matter how stringent the measures put in place to protect staff and the general public, businesses throughout the world are exposed on a number of fronts. 

Internationally, we apply our expertise across a broad spectrum of high-risk industries, including Pharmaceutical, Automotive, Food and Drink, Energy, Agriculture, Chemical, Construction and Large Event Venues. 

Howden offers International Liability expertise on a wide range of products and placement structures on a direct or reinsurance basis. 

The Cover

The team's ability to develop products for traditional, complex and emerging risks is built on experience and in-depth knowledge of many industries, including: 

  • Industrial plants 
  • Energy and power companies 
  • Oil and gas 
  • Construction / mining 
  • Hotels 
  • Manufacturing and product supply 
  • Retailers 
  • Telecommunications/tech companies 
  • Transport operators & logistics providers

Employer's Liability

Employer’s Liability Insurance (EL) provides protection for an employer against claims made by employees, former employees, or potential employees. 

No matter where they are located, all employers must face the fact that the chance of targeted legal action from past, present and prospective employees is a reality. Even if the claim is groundless or fraudulent, the defence of a suit can be expensive, consuming both time and financial resources.  

Fortunately. these expenses and any eventual settlements can be transferred to the insurance market with an Employer’s Liability policy. Our unique reinsurance solutions for Employer’s Liability, providing extensions such as moral indemnity and occupational diseases and complying with Turkish Employer’s Liability General Conditions, is a great value-adding solution to our clients’ portfolios. 

Product Recall

Stories and images of defective products can spread around the globe in seconds. Product recall insurance can provide vital support to a firm's crisis management response. Our specialist team is the leading independent producer to the London and Bermuda markets. 

We design and place bespoke solutions for many of the most exposed products and industries, including: 

Food & Drink

We offer coverage for manufacturers, retailers, distributors, wholesalers and co-packers across a range of food groups including, but not limited to, dairy, meat, herbs and spices, and fruit and vegetables. 


There are on average 30,000 parts in a typical car. We offer insurance for every single part, for Tier 1, 2 and 3 component part manufacturers. 

We also offer combined Product Liability, Recall, Product Guarantee and Financial Losses coverage for suppliers to the Automotive Industry.

Consumer Goods

Coverage includes consumer durables and non-food products against product safety issues and design/ manufacturing errors. 


We can provide cover for manufacturers, co-packers, co-manufacturers and re-packagers of prescription and/or over the counter pharmaceuticals. 

Restaurant Contamination

We currently hold an exclusive facility for restaurant franchises, hotels and large corporate entities. 

Accident and Health

Our expertise spans a broad range of reinsurance products including: 

  • Personal Accident 
  • Business & Personal Travel Accident 
  • War & Terrorism 
  • Sports & Entertainment 
  • Accidental Death 
  • Emergency Medical Evacuation/Repatriation 
  • Credit Card 
  • Group Life 
  • Key Man 
  • Total Temporary Disability 
  • We provide solutions for: 
  • Multinationals / NGOs & IGOs 
  • Post-war & hazardous territories 
  • Professional sports teams 
  • Banks & credit card providers 
  • Agents & individuals 
  • Entertainment industry personnel 
  • Trade associations & affinity groups 
Healthcare, Life Sciences, and Clinical Trials

Our team specialises in the development and management of a wide range of tailored insurance and reinsurance programmes for the healthcare industry, including: 

  • Hospital Professional, General & Umbrella Liability 
  • Reinsurance for Captives & Risk Retention Groups for Physicians and Hospitals 
  • Medical Billings and Regulatory Errors & Omissions liability 
  • Terrorism Liability 
  • Privacy & Security Liability 
  • Long Term Care Professional, General & Umbrella Liability 
  • Allied Health / Miscellaneous Professional, General & Umbrella Liability 

Our international reinsurance client base includes: 

  • Hospitals 
  • Clinics 
  • Doctor and physician groups 
  • Long term care / nursing homes & home health 

Our group’s specialist broker, Clinical Trials Insurance Services (CTIS) creates exclusive programmes for the pharmaceutical, chemical, medical devices and life science industries and offer a range of products from public & product liabilities to clinical testing liability. 

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