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Lloyds Building, London

UK wholesale schemes and specialist solutions

There’s a simple solution to your clients’ needs: Howden for Brokers. With us as your partner, you can place a full spectrum of niche and specialty cover with ease.

Our range of schemes and facilities, alongside our direct access to the London Market, means we can help you find exactly the right cover for the most challenging of cases – so you can protect your clients better than ever.

Specialist solutions

Howden is one of the largest wholesale professional indemnity brokers in the UK, placing policies for over 300 insurance brokers.

We place cover for all types of professional firms, including larger and more complex placements, and those with previous claims and high limits of indemnity.

As Lloyd’s brokers, we have access to the world’s leading insurance markets. 

The brokers’ own professional indemnity market is improving after some years of hardening, and capacity is returning. 

Offering market-leading wording, rates and risk management services, Howden can ensure insurance brokers around the UK are fully protected against the risks they face.

The Howden real estate team provides unparalleled experience in configuring transactions and broking real estate client business into the marketplace. Our specialists operate in London, serving the insurance and risk management needs of the real estate sector in the UK and Europe. 

Our extensive knowledge of how organisations in the real estate sector create and maintain value, plus our insight into the marketplace, enables us to provide innovative solutions in this specialist area.

Like many other catastrophic events, a terrorism incident can disrupt or destroy a business, so protecting it with insurance is a valuable mitigation strategy. However, unlike natural disasters, terrorism manifests itself in a dynamic and constantly changing manner and is unpredictable, not only in its frequency and severity but in its very nature.

We have developed terrorism and political violence facilities to provide the most cost-effective programme, whilst offering the full range of coverage available to your clients.

When a product safety issue is uncovered, stories and images can spread around the world in seconds. 

Product recall insurance provides vital support to a firm’s crisis management response. Howden’s specialist team is a leading independent producer to the London and Bermuda Markets.

Howden’s Energy Liability team uses balanced skill sets, product knowledge and a wealth of market experience to provide a bespoke service to your clients.

The Claims team is embedded in the everyday running of the business and is involved throughout the process of establishing a programme, not just when a claim occurs. Direct involvement helps to alleviate potential policy misunderstanding and ensures the smoothest possible claim negotiation process.

Howden has negotiated exclusive market facilities with experienced underwriters in Lloyd’s of London who have an excellent understanding of the risks involved in the renewable energy sector.

We possess the resources and capabilities to help deliver innovative insurance protection for your clients tailored for different types of renewable energy projects including biomass, hydro power, wind, onshore and offshore, solar and much more.

Fine art and specie can present diverse and complex risks. Our specialist team is here to provide tailored solutions for arranging programmes on a direct or reinsurance basis, facultative or treaty, and works extensively with captive insurers. 

With over USD 100m in premiums placed into the market, a team of more than 30 fine art and specie specialists helping over 1,500 clients, we are proud to deliver innovative solutions from a range of trusted insurers. We can arrange programmes on a direct or reinsurance basis, whether facultative or treaty, and have extensive experience working with captive insurers. We can also arrange binding authorities on behalf of producing brokers or MGAs.

In a rapidly changing world, we recognise that our customers are faced with enormous challenges and opportunities. We understand that in order to succeed, maintaining customer satisfaction is paramount. We are constantly assessing and evolving our business in order to meet clients’ demands and needs. 

Our products include group disability, travel and life, medical expenses, crisis management and reinsurance, and we also offer data, reporting and analytics services.

Warranties and indemnities insurance is designed to cover the full suite of warranties given under an acquisition agreement and the general tax indemnity, subject to the policy exclusions.

These policies are usually held by a buyer but can be taken out by the seller if required. When held by a buyer, a warranties and indemnities policy facilitates sellers and/or management to exit the transaction with a nominal liability of $/€/£1. 

This is clearly advantageous for the seller but is also helpful for buyers. The biggest benefit is providing A-rated insurer capacity as counterparty to the risk of a warranty breach or claim under the general tax indemnity and helping preserve commercial relationships with management going forward.

The Howden Surety team is a surety market specialist, with extensive experience and the capability to support the bonding requirements of our clients. We are aware that companies often find it challenging to obtain sufficient capacity within the surety market or are restricting their working capital by issuing bonds with their bank.

We have expertise across multiple industry sectors, including construction, engineering, renewables, natural resources, and defence, and we also have access to all major insurers, which ensures all capacity options are fully explored.

CTIS has over 30 years’ experience arranging insurance for the pharmaceutical, chemical, medical devices and life science industries. 

We have access to exclusive specialist insurance products and underwriters in the market. The underwriters we work with bring over 40 years of placement history, which is vital in the current marketplace where clients demand stability in underwriting appetite in the face of new capacity entering and exiting the marketplace. 

We can offer all forms of construction insurance (both projects and annuals) and wide form broker CAR, EL, PL, PI and DSU wordings agreed with all the key construction insurers plus a bespoke construction project facility.

  • UK Projects
    • The UK Projects team has arranged an exclusive insurance facility with an A-rated market for construction projects with a total combined sum insured of up to £50m. 
  • Annual Contractor
    • The Annual Contractor team wholesales for a number of brokers on larger (generally £60m+) contractors. 

Household insurance
With over 100 years of combined underwriting experience, Howden facilitates several household products under a delegated authority, on behalf of a number of trusted capacity providers. We provide solutions for standard and non-standard client risks.

Howden thatched property insurance
With its distinctive features and construction materials, insuring thatched properties can be a challenge. That’s where we come in. Our UK wide policies can include:

  • Buildings cover up to £1,500,000
  • Contents and fine art cover up to £750,000
  • Jewellery up to £250,000 

Howden can provide your medical and social care professional clients with complete insurance solutions.

We have a dedicated team of specialists, who have decades of experience supporting the sector. From hospital chains and care home groups to individual doctors, therapists and carers, we can create tailored insurance solutions to suit your clients.


Road Runner is a wholesale solution for brokers looking to place insurance for motor traders. Road Runner for Brokers is dedicated to you, with a team on hand for support and an easy access portal.

Road Runner Plus has the solution for your SME motor trade clients looking for a combined policy, and provides a flexible, packaged insurance solution, ideal for motor trade clients with up to 10 employees working from a business premises.

Renovation Plan offers specialist insurance for renovation, restoration, conversion, extension, and new-build projects for both residential and commercial properties.

With over 15 years of experience as renovation and self-build insurance providers, the team is well-placed to support your clients on their renovation insurance cover journey, and we put customer service at the forefront to ensure we are one of the best home renovation insurance providers on the market.

Incepta, a Howden company and Lloyd’s Broker, is based in the heart of London, on the doorstep of Lloyd’s and numerous London Market insurers, with whom the team meets daily and negotiates terms for brokers and customers.

Incepta has relationships and partnerships with insurers stretching back over many years and strongly believes in longevity and continuity.

Self-Build-Zone is a multi-award-winning self-build insurance provider with over 20 years’ experience, helping thousands of self-builders protect their new builds, renovations, conversions, and extensions with the correct self-build site insurance and structural warranties.

Each member of the team is trained to help discuss the project and its specific self-build insurance needs, to make sure your client has the best possible protection.

Build-Zone was established as a 10/12-year structural warranty provider in 2003, and the team is experienced in underwriting structural warranties and inherent defects insurance (IDI) for all types of developments. This can range from a single new-build home to large, residential, mixed-use, build-to-rent, and commercial projects.

Whatever your clients’ requirements, Build-Zone can help provide the structural warranty policy you need.

Haven Knox-Johnston specialises in the leisure marine segment and offers great products, award-winning customer service and competitive terms to help your clients set sail.

Haven Knox-Johnston Commercial is focused on the marine trade and can navigate the complexities of commercial insurance to guard against any future business risks.

Haven Knox-Johnston Specialist provides a tailored service to vessels that traditionally require a more specialist insurance policy and, with access to an unrivalled portfolio of products, they will be able to find your clients the right yacht insurance and craft it to any specific needs.

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Download the brochure

International Brokers

Our London office does a great deal of business with brokers in local markets all over the world, particularly in Europe and the USA.

We can help with:

  • London market placement
  • Placing risk in other key insurance markets, such as Bermuda, Dubai and Singapore
  • Wholesale and schemes
  • Bespoke products
  • Leading-edge data and analytics
  • Large and complex risks
  • Reinsurance
  • Specialist advice in local markets all over the world.

Our deep experience working with insurance intermediaries, particularly in the USA, makes us a reliable partner who can help you achieve things you otherwise couldn’t.

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