SME business insurance

Helping your business grow with confidence

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What sets us apart?

At Howden, we understand that running a small business can be stressful and you always need to have eyes on what the future may hold. With tailored insights and support, Howden makes sure you’re protected against your business’s unique risks as you continue to grow.

Three struggles tech businesses are facing

Cyber insurance

We make sure that you know how your insurance policy can respond to a cyber incident, and have a strong, experienced claims handling team to support you during the claims process, should an incident occur.

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Indemnity Insurance

Professional Indemnity Insurance

Giving advice for a living can be perilous – you are only as good as your last client, and getting sued would be seriously damaging, to both your reputation and personal financial wellbeing. That’s why complete confidence in your insurance is as important as confidence in your own abilities.

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Public & Employers' Liability Insurance

We work with our clients to tailor a policy that meets the requirements of their business, sector, and territory. That means that we can understand our clients’ exact risk profiles, and create a policy that offers comprehensive coverage.

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Directors' and Officers' insurance (D&O)

Directors’ and Officers’ (D&O) insurance and Management Liability insurance can help protect these individuals against the resulting financial costs, such as fines and legal fees.

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Employee Benefits & Wellbeing Consulting

With our global reach and expertise, we have helped numerous businesses navigate the complex landscape of employee benefits across various industries.

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Risk Management

We’re not just an insurance broker. At Howden, we provide risk management solutions to help you identify, manage and reduce your risks.

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Local broker with industry-leading resources

With offices all over the UK, we’re always close enough for you to discuss your insurance needs with our experts face-to-face if required. Howden is an industry-leading insurance business, which means you get access to specialists across the insurance industry who can provide the right information and insights for your company.

SME

Cover that's tailored to your SME

SMEs make up over 99 per cent of British business* (Top UK Small Business Statistics 2024 – Forbes Advisor UK), but we understand each small business faces unique challenges and risks. Our network of specialists can assess your business in detail, finding insurance solutions that give you the best value and cover.

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Insurance not just for now but the future

As an SME, you’re continually looking at ways to grow and expand. As your dedicated broker, we’ll be in regular communication with you from day one, ensuring you have the right cover as your company develops and evolves. We’ll also provide insights on risks and upcoming changes in your industry to help you plan and succeed in the future. 

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However, we also consider and analyse the unique requirements of your enterprise, industry, and location to create a bespoke, combined package, enabling your business to excel and expand. 

With our wealth of resources and expertise, we deliver insurance tailored to a variety of industries, including but not limited to:

  • Office-based businesses
  • Construction
  • Hospitality and leisure
  • Charities
  • Manufacturing 
  • Wholesale

Find out how we can help your business

Do you have an existing policy with Howden?

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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.

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Unveiling three priorities for SMEs and the impact insurance can have

Hosts Tim Weymouth and Jack Durrant invited Scott English, the founder and Global Brand Director of Elite Business magazine on to our podcast to talk about all things SME. Some fascinating insights and stories were shared about sustainability, businesses going global, and networking.

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