Insurance companies

Every broker naturally has relationships with insurers but what sets us apart from the rest is truly specialising in the risks insurance companies face and delivering for them in the market. This includes coverage, claims, price, correct market selection, innovative thinking - all alongside impeccable service. 

Howden’s Insurance Companies Team is one of the most experienced and wide-ranging teams in the London market having worked with start-up insurance companies, ILS funds, Lloyd’s syndicates, MGAs, life companies, credit insurers, run-off aggregators, insure-techs and large multinationals.

Our reach is truly international: we have expertise with a great many Bermudan and US (bad faith exposed) clients as well as UK and European general and life insurance company clients.

We are embedded in your sector and exposures.

What sets us apart? 

  • Our ability in the market to deliver – particularly relevant during these testing times 
  • A deep understanding of the risks you face, crafting cover to suit your specific business
  • An attentive approach to service – no stone is left unturned
  • An integrated approach to claims
  • Relevant data that informs your purchase decisions and claims trends that might impact your business
Insurance coverage options for insurance companies Infographic - howden uk

Get in touch today for more information

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Meet the team


Hilary Harmsworth
Divisional Director
Photo of Hilary  Harmsworth

Hilary Harmsworth

Divisional Director

Hilary leads Howden’s Insurance Companies Team with a focus on client service delivery. She has 26 years of insurance broking and client service experience with JLT, Aon and Minet and has worked with many large and complex multinational clients including leading life, pensions and commercial insurers, investment managers, Lloyd’s syndicates and managing agents. 

Hilary is known for her thorough approach in delivering strategic advice, programme design and immaculate service delivery.


Lindsay Ratcliffe
Divisional Director
Photo of Lindsay Ratcliffe

Lindsay Ratcliffe

Divisional Director, Financial Lines

Lindsay is a qualified lawyer and a Director within Howden’s Financial Lines Group. Lindsay works with the Insurance Companies Team to develop client propositions and ensure that Howden is constantly improving its offering to clients. 

Lindsay is known for delivering market leading, specialist advice to clients.