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Climate Risk & Resilience
Helping you thrive, not just survive, in the climate transition
Climate advisory and insurance broking, all under one roof
At Howden, climate advisory practitioners and insurance specialists work side by side.
By connecting the two distinct disciplines under one roof, we offer an integrated end-to-end service that delivers tangible benefits.
Insurance is the bedrock of the financial system. Used thoughtfully, it holds the key to getting projects off the ground and reducing capital costs. This can help you progress your climate response and unlock the door to opportunities.
Building insurance thinking into your climate strategy – and equally, building climate thinking into your insurance strategy – ensures a joined up, pragmatic approach.
Working with us, you'll have certainty on your starting point, clarity on the path ahead, and the confidence to grow.
Climate change is likely to affect your business in the following ways:
- New disclosure requirements
- Supply chain disruption
- Problems accessing affordable insurance coverage
- Challenges accessing finance
- Weather incidents causing damage to property and business interruption
- Reputation management issues (e.g. greenwashing)
- Compliance and legal issues
- New opportunities and markets
Howden turbocharged our thinking in this area by at least three years, compared to attempting to undertake this work internally
Adding value at every stage of the journey
We work with clients at all levels of climate strategy maturity. Some are just starting out exploring their exposure, while others are developing and implementing sophisticated action plans. Wherever you are on your climate journey, we're here to help.
Identify
Get a high-level view on how your operations and business model will be affected by climate and nature. Find out where you stand relative to your peers.
Understand
Take a deeper dive, to further explore specific climate and nature issues. Analyse the detail and model the implications.
Take action
Get ahead with innovative solutions to insurance, risk management and financing challenges. Develop credible action plans, ready to win stakeholder and investor confidence.
As the climate changes, so does insurance procurement. Be prepared.
As the effects of climate change increase and compound, purchasing insurance will become more complicated. It is highly likely that insurers will become much more selective as to which risks they take on.
Without a solid insurability strategy, your business may not be able to acquire the same insurance it has today. There may also be extra covenants in policies, with more stringent requirements on adaption measures and risk management efforts.
Insurability is the ability to secure affordable insurance for assets, investments, operations and projects. In the climate change era, maintaining insurability is fast becoming as important as maintaining a good credit rating.
To get affordable coverage, you’ll need to think like insurers think – and have the data to back it up.
Our team of climate practitioners and specialist insurance brokers are ready to support your insurability efforts. We’ll add value all the way from analysis and planning to insurance placement and claims advocacy.
Working together, we can build climate risk and insurability strategy into your decision-making models. By doing so, you can improve your negotiating position in the insurance markets, helping you achieve continuity of coverage.
Download our report, the Insurability Imperative, today.
Science-based insight to cut through the noise
Our people come from a wide variety of backgrounds, blending a wealth of experience in climate science, policymaking and financial services.
We also work with a range of partners, adding in additional subject matter expertise on a case by case basis. This ensures solutions are always grounded in the latest science, with a watchful eye on evolving regulation. All of which helps future proof your plans, from the very beginning.
Our fully tailorable analytics offering connects with your existing datasets. Supplementing your proprietary data with additional relevant sources, we’ll provide a balanced, objective view. We'll interpret the findings and present them in simple terms, free of jargon. Working with us, you'll cut through the noise, prioritise issues and solve problems.
...a welcoming, professional manner devoid of jargon, which put our stakeholders at ease
About the Climate Risk & Resilience team
We’re no ordinary climate risk experts – we bring a distinctive blend of experience, insight and insurance knowledge. Many of our people are pioneers in this emerging field. It’s no exaggeration to say: we wrote the books, did the deals and advised the investors that have defined the climate risk space over the past 15 years.
And we're still leading the way, with partnerships across the world, building the industry's ability to support the climate transition.
It's why we can confidently say, we offer a perspective like no other.
Meet our expert team
Climate Transition, Climate Co-LeadClimate Transition, Climate Co-LeadTony has over 25 years global experience in strategy advisory, risk management, disclosure and programme delivery, with over 17 years as a leader and expert in climate change, environment and sustainability issues affecting businesses and financial institutions.
He joined Howden from the Glasgow Financial Alliance for Net Zero (GFANZ) where he was Executive Director and Head of Transition Finance. He was responsible for delivering practitioner guidance on how financial institutions can achieve their Net Zero in their emissions reduction's targets. This included defining transition finance, transition planning and use of sectoral pathways and scenarios to work with counterparties on assessing and achieving their own emissions targets. He was also part of the delivery group for the UK’s gold standard on transition planning, and a reviewer of the World Energy Outlook 2022.
Prior to GFANZ, Tony was Senior Director at WTW in the Climate Resilience Hub responsible for working with clients on their transition risk and decarbonisation strategy, including the creation of the corporate accreditation of Paris accord alignment, Climate Transition Pathways.
Tony’s other experience includes 5 years as Global Technical Director at CDP (formerly known as Climate Disclosure Project), Director of Sustainability Consulting (EMEA and APAC) at Infosys, Consulting Director Sustainability and Head of Environment for Logica.
Tony also is on the Global Association of Risk Professional’s (GARP) Sustainability and Climate Risk Certification advisory committee, a fellow of the Institute of Environmental Management and Assessment (IEMA) and a fellow of the Royal Society of Arts, Commerce and Manufacture (RSA).
Physical ClimatePhysical ClimateMarc Lehmann is Head of Physical Climate & Nat Cat Risk Advisory for Howden’s Climate Risk and Resilience team in London. His team provides a wide range of bespoke modelling and engineering services to help Howden clients assess and manage their global asset and operational risks, both for present day and also in the future to account for impacts due to longer term climate change.
Marc has over 20 years experience within the insurance and risk management sectors. He joined Howden from Jupiter Intelligence where he was Head of Business Development & Partnerships for UK/Europe providing physical climate data and analytical services to a wide range of international clients. Prior to this Marc held several senior level roles across the re/insurance markets including Head of Client Service Development at AIG and Global Head of Natural Catastrophe Risk Management services for corporate clients whilst at insurance broker Willis Towers Watson.
Marc has master’s degrees in structural engineering from the Swiss Federal Institute of Technology, Zurich (ETHZ) and Imperial College, London.
Decarbonisation & ESG LeadLukas leads Howden's work on climate transition and decarbonisation, including sustainability and climate-related disclosure. Through his career he has supported companies with their sustainability objectives, creating internal plans and value chain engagements.
Food Systems and BiodiversityFood Systems and BiodiversityDan Fairweather leads the Food Systems and Biodiversity within the Howden Climate Risk and Resilience Team. Dan has over 20 years’ experience in dealing with agricultural risks, mainly focussed on the aquaculture and livestock sectors. Starting out as a specialist Lloyd’s broker, Dan then went on to be the senior aquaculture underwriter at RSA for 7 years before retuning to broking, heading up the Livestock and Aquaculture Divisions at WTW and then Gallagher Speciality.
Latterly Dan has explored the use of parametric insurance and novel insurance products to incentivise environmental stewardship and support small-scale farmers and climate exposed communities. This work has led to a number of work streams with global environmental NGO’s to assess the role of finance and risk in the world of conservation.
Dan is increasingly looking at the regulation emerging around Nature and Biodiversity and exploring what can be done in the field of Biodiversity Credits and Biodiversity Net Gain and how risk management and insurance can support this. This work looks to learn from, and build on, the carbon credit market initiatives and emerging regulation.
Dan is a trained fish biologist, and is also currently a trustee for The Shark Trust, a global charity for the conservation of sharks, skates and rays.
Energy TransitionEnergy TransitionAndy is the Head of Energy Transition at Howden Group where he supports the various specialist teams across Howden to engage in strategic conversations with C suite executives about capital allocation, emerging risks and financing across the low carbon sector, understand the risks associated with emerging business models and new technologies and develop innovative insurance solutions to address these risks through mitigation or risk transfer to aid financing and drive capital flows.
Andy is a former senior partner and energy sector lead at KPMG where he served as a partner for 17 years. As a deal advisory partner for many years Andy’s clients were drawn from corporates, infrastructure funds, major Asian investors and private equity houses. In his last role he was Global Lead Partner for bp p.I.c. where he and his team supported the start of their journey to become an Integrated Energy Company.
Client SolutionsClient SolutionsKim leads Howden’s Climate Risk and Resilience Client Solutions Team and is responsible for bringing together the solutions and services that best meet the needs of our clients. Kim was previously at WTW’s Climate and Resilience Hub where, as part of the Financial Services Business Development Team, she led on product development, outreach and advisory to the asset management, retirement and life insurance businesses.
Prior to this, she spent over 11 years in Investment Management and was the International COO for the multi-asset investments group at J.P Morgan Asset Management where she led the team’s sustainability agenda including ESG integration, the uplift of existing and development of new sustainable products, and the implementation of sustainability-related regulations and initiatives including SFDR, MiFID sustainability preferences, EU Taxonomy, SDR and TCFD..
MicroinsuranceMicroinsuranceCarlos is a Swiss-Colombian-US citizen, who holds a degree in Economics from the University of Bern, Switzerland.
In 1989, Carlos joined Swiss Re in Zurich starting a career that included P&L responsibility for Andean countries in LatAm, Office Head in Colombia and Mexico, before moving to Armonk, NY, as Commercial Director for Latin America. In 2011, he was ap-pointed Head of the Miami office, a start-up of Swiss Re in that city with focus on Latin America.
As of September 1st, 2014, Carlos was appointed CEO of MiCRO. Under his leadership, MiCRO has become a pioneer in the region in introducing index-based microinsurance that helps vulnerable and underserved populations recover more quickly from losses caused by natural disasters.
With Howden’s acquisition of MiCRO in May 2024, Carlos will lead MiCRO to “the next level”, one that sees inclusive insurance get the necessary traction to make significant contributions to sustainably closing the protection gap where most urgently needed.
Climate Co-LeadClimate Co-LeadSince joining Howden in 2013, Isabelle has held a number of roles. Most notably, building the Howden One network, which extended the Group’s global reach to 100+ territories. In 2022 Isabelle was appointed Chief of Staff and Head of Planning for the Howden Broking Division. During that period, Isa focused on aligning and organising strategic priorities with other members of the senior leadership team.
In October 2023 Isa joined the Climate Risk & Resilience team as Chief Commercial Officer, to promote our CRR team and embed its proposition across Howden internationally.
Prior to joining Howden, Isabelle has held a number of positions at KPMG (9 years, Paris, London and NYC) and Marsh Mclennan (6 years) where she was first appointed as Financial Controller for EMEA and then C.O.O for the UK Affinity Division. Subsequently she spent 3 years at an Insurance provider start-up (Asurion Europe) as Launch Director responsible for the full implementation of business solutions including IT.
Isabelle is both a French and British national, originally from the island of Martinique in the French Caribbean.
Senior AdvisorRowan Douglas
LinkedInSenior AdvisorRowan Douglas is a pioneer in the field of climate risk, disaster risk and re/insurance with over 35 years of international experience. Rowan is a Senior Advisor to Howden Group, supporting selected projects, events and client engagements using his 30+ years of industry experience and extensive networks across public, private and academic sectors in risk, insurance and sustainable growth. Prior to this Rowan was CEO of Howden Group’s Climate Risk & Resilience practice.
Before Howden he was CEO Climate and Resilience at Willis Towers Watson which housed the award-winning sovereign Disaster Risk Financing team that supported governments, regional risk pools and international institutions worldwide. Previously he served on the board of Willis Re as CEO of Global Analytics and founded the Willis Research Network in 2006 which was the largest collaboration between public science and the private finance sector.
Rowan founded and Chaired the Operating of the Insurance Development Forum with the UN, World Bank and Industry leaders, launched at CoP21 Paris which is a focal point for risk modelling and sovereign disaster protection for the Global South and incubated the award-winning Coalition for Climate Resilient Investment. In 1999, as CEO of WIRE Limited he founded Artemis.bm which remains the key source for information on insurance linked securities and catastrophe bond markets.
At Howden, Rowan has led the delivery of the first phase of work with the European Investment Bank, and co-authored the final deliverable ‘Insurance and Risk Management Tools for Agriculture in the EU’. More broadly, has also held other positions as an advisory board member at the Centre for Global Development – Catastrophe Insurance for Humanitarian and Emergency Assistance, sat on the Climate Adaptation Research and Innovation Board as well as, Transition Plan Taskforce Adaptation Working Group
Beyond insurance, Rowan was appointed to the UK Prime Minister's Council for Science & Technology 2011-2016 and served on the UK Green Finance TaskForce. He is a fellow at the Royal Geographical Society and in 2016 he was made a CBE for services to the economy for risk insurance and sustainable growth.
Client Relationship & Business DevelopmentClient Relationship & Business DevelopmentAndrew leads and develops Climate Risk and Resilience relationship with clients, working across Howden business and from within the large and complex client team.
This follows 7 years in the insurance industry heading global client relationships for the understanding, the analysis and the mitigation of risk, including geopolitics and climate. Leading large client accounts, he has worked with business executives and respective c-suites of various sectors and geographies, helping to qualify and quantify risk and to identify and manage the risk transfer solutions. This included building relations with industry groups, research organisations and international structures. A speaker at geopolitical and strategic security forums and actively engaged in thought leadership.
This follows 32 years in the UK Armed Forces as a senior officer experienced in strategy, risk mitigation and international relations, working the full remit of threat mitigation, strategic risk and crisis response, including geopolitics and climate security. His roles included both risk owner and senior leader across international and defence tasks and in multiple geographies, NATO, the United Nations and with various levels of Industry. Bi-lateral mentor and advisor and responsibility for delivering formal training.
Andrew has a KCL Master’s in Defence Studies, a CMI Diploma in Strategic Direction and Leadership and has completed the UK Defence Academy senior course in Strategic Leadership.