Commercial Casualty Insurance Solutions

An innovative approach to complex liabilities

A group of coworkers sitting around a table during a meeting, with one person speaking while others listen and take notes

Resilience through better business intelligence

Insight-driven protection tailored to you

Casualty risk is often volatile. Changes in exposure, M&A, claims trends, litigation, compliance and contractual requirements, and shifting market conditions can all change how much protection an organization needs and how its program should be structured.

For many organizations, the challenges are understanding where liability exposure is growing or changing, emerging risk and market trends, and whether the current program still reflects the company’s risk appetite and financial goals.

Howden’s US casualty practice helps businesses bring clearer intelligence to those decisions. We deploy top flight brokers with deep market insight, analytics, innovative and proprietary products and strategic carrier relationships to help you evaluate your options and build casualty programs to meet your needs and financial objectives now and in the future.

Market intelligence

Finding the right casualty insurance demands a deep understanding of casualty trends, program structures, negotiations, and data analysis. And this must be backed by a sophisticated approach to gathering and interpreting intelligence from multiple sources.

Our casualty team, led by industry veterans with decades of hands-on experience, actively monitors regulatory changes, emerging risks, and economic shifts that impact liability exposures. This enables us to anticipate challenges and opportunities for you ahead of time, putting you on the front foot to mitigate risk.

Advanced analytics

We partner closely with our actuarial team to develop detailed analytical models that allow us to approach underwriters with data-driven insights — positioning Howden to drive the placement process proactively on behalf of our clients. This analytical foundation strengthens our negotiating position, enabling us to advocate more effectively for you. 

Strategic carrier relationships

Our global market presence, with more than $50 billion of premium placed worldwide, gives us strong relationships with the carrier community at every level from the most senior executives down to day-to-day underwriters.  Our leadership team have decades of experience negotiating the most pressing client concerns at the highest levels. This clout in the marketplace both as leaders and as a firm matters – it matters in resolving a complex claim as much or more than getting the most responsive placement terms and service.  But negotiating power is only as valuable as how it is used — we deploy these relationships in service of our clients, not in deference to our carriers. Our allegiance is to our clients, and that distinction shapes every negotiation, every term, and every recommendation we make. The result is a broker that moves quickly to secure competitive terms reflective of your risk profile and objectives, with your interests as the sole measure of success.

What Howden’s casualty insurance and risk financing solutions deliver

Clarity to evaluate program structure, collateral, and total cost of risk

Our mission is to deliver much more than insurance. We provide strategic insight, backed by world-class data, and a talented and dedicated broker that fights for your best interests in order to protect your brand and financial position against volatility and minimize costs.

Our casualty practice operates as a single collaborative and unified team for all casualty related products and risk financing — organized around the capabilities that matter most to complex casualty clients, rather than by geography. Our deep cross-sector experience and expertise means we can better understand clients’ exposure and negotiate optimal solutions, from traditional risk transfer to more specialized alternative risk and captive solutions.

Whether it’s stand-alone casualty coverage, a specialty product or a solution integrated with other product lines, our approach starts with a careful analysis of a client’s protection needs and opportunities for improvement.

Why choose us? The Howden Difference

Coverage recommendations are based on a thorough understanding of a client’s business, its risk profile, its commercial realities, and its growth ambitions. We keep abreast of the latest market developments and emerging risks and together with our deep market expertise and insights from our data analytics operations we find the best coverage options for any casualty risk need.

Howden Specialty’s and our brokers’ strong personal relationships in the casualty market, whether US, London, Bermuda, international and Howden Re’s strength as a top four global reinsurance broker help us identify the right risk capital for each client’s situation, especially for casualty risks that are complex, specialized, or difficult to place.

Since Howden’s strategic expansion into US retail brokerage in 2025, we have built our global casualty capabilities in the US by handpicking the industry’s top talent to lead our industry-focused and product-focused segments. These senior brokers have decades of deep sector expertise and lead specialized practices catering to firms with diverse and complex operational needs.

We are invested in your success, and this goes far beyond finding coverage. Our teams act as an extension of your in-house risk management, finance and human resources functions. We collaborate to develop risk strategies that align with your short-, medium-, and long-term objectives and helps you develop the resilience to thrive.

The commercial casualty insurance products we offer

  • General liability

    General liability

    Protection against third-party claims involving bodily injury, property damage, or personal and advertising injury arising from your premises or operations.

  • Workers compensation

    Workers’ compensation and employers’ liability

    Coverage for workplace injuries and related employer liability exposures to comply with state and or federal requirements.

  • Commercial auto

    Commercial auto

    Insurance for liability and or physical damage arising from owned, rented or leased, and non-owned vehicles, including fleet exposures and other transportation risks tied to your operations.

  • Product liability

    Product liability

    Responds to claims involving products that cause bodily injury, property damage, or other covered harm.

  • A modern conference room where four colleagues sit around a long wooden table in front of large windows, talking and working with laptops, notebooks, and glasses of water.

    Umbrella and excess liability

    Additional limits above primary casualty policies, helping businesses manage the financial impact of severe claims.

  • Casualty programs

    Specialty casualty programs

    Customized solutions for complex or difficult-to-place risks, including loss portfolio transfers and structured risk financing solutions, construction wrap-ups, sexual misconduct liability, product recall, active assailant, punitive damages coverage placed outside the US and other industry-specific and nonstandard liability needs.

Industry-specific solutions you might be interested in

Ready to talk?

Meet our casualty team.

  • Photo of Carol Murphy

    Carol Murphy

    Head of Global Casualty, US
    Photo of Carol Murphy

    Carol Murphy

    Head of Global Casualty, US

    Carol is building a senior-led casualty platform that delivers global reach with local accountability. With more than 30 years of experience, including over 30 legacy liability transactions, she specializes in complex casualty solutions, loss portfolio transfers, and strategic collateral design. Her focus is always practical: helping clients move forward not just with coverage, but with confidence.

    A 10-time Risk & Insurance Power Broker and a Business Insurance “Woman to Watch,” Carol is a committed mentor and advocate for intentional inclusion. She serves on the boards of Chicago Lights and the Girl Scouts of Greater Chicago and Northwest Indiana, reflecting her long-standing commitment to education and youth empowerment.

  • Photo of Kristin Will

    Kristin Will

    Managing Director, Global Casualty
    Photo of Kristin Will

    Kristin Will

    Managing Director, Global Casualty

    Kristin Will has built a career on large-account casualty work across leading broker platforms—Aon, Marsh, Willis Towers Watson, and now Howden. At Aon, she most recently served as Client Operation Leader for the National Casualty Practice and sat on the Casualty Executive Committee, where she helped shape practice strategy while overseeing delivery for complex programs. Prior roles included Assistant National Casualty Manager (GNY) and regional growth leadership at Aon, preceded by earlier experience at Willis of New York and Marsh, with international assignments in London and Zurich that broadened her market perspective.

    Kristin is recognized for her ability to simplify complex risk challenges and deliver practical solutions for large organizations. She has extensive experience structuring casualty programs for diverse industries, analyzing data to inform program design, and negotiating terms that align with clients’ financial objectives. Her background includes guiding policy reviews, improving operational processes, and leading initiatives that enhance consistency and efficiency across teams. This combination of technical expertise and leadership enables her to provide clients with strategies that are both innovative and executable.

    Kristin is a graduate of Mount Holyoke College with a Bachelor of Arts in Economics and a minor in Mathematics. She also participated in “The Twelve College Exchange Program,” spending her junior year attending Dartmouth College.

  • Photo of Jenny Charles

    Jenny Charles

    Managing Director, Private Capital Broking Leader
    Photo of Jenny Charles

    Jenny Charles

    Managing Director, Private Capital Broking Leader

    Jenny serves as Managing Director, Private Capital Broking Leeader and leads the Private Equity brokerage team. She collaborates with our diligence team and carrier partners to structure cost-efficient programs, develop accurate budgeting, and help private equity clients mitigate risk while minimizing their total cost of risk across their portfolio companies.

    Jenny has over 25 years of commercial insurance experience, focusing on designing and managing complex casualty programs for private equity firms and their portfolio companies. Her expertise covers middle market to large casualty placements, especially in manufacturing, automotive, and hospitality industries.

    Jenny joined Howden in October 2025, bringing a proven track record of building and leading client focused teams within the private equity space. Prior to joining Howden, she served as the Midwest Middle Market Practice Leader at Aon, where she helped launch and build their Private Equity Hubs. Throughout her career,

    Jenny has cultivated deep-rooted client and carrier relationships which have been instrumental in minimizing costs across the portfolio companies.

    Jenny has successfully mentored and trained colleagues throughout her career and is recognized for her leadership, collaboration and dedication to development of talent across the industry.

    Jenny is a graduate of the University of New Hampshire with a Bachelor of Science in Medical Laboratory Science.

    Awards and Recognition
    Certified Insurance Counselor (CIC)
    Automotive Power Broker 2016
    Practice of the Year 2018

Speak to our casualty risk team today

Get in touch