Global client practice

Helping growing businesses manage risk across borders

Your U.S. anchor for multinational risk

Growth creates opportunity, but it also adds more moving parts

A business may start with an insurance strategy that works well for one location, region, or country. But as it expands, that structure becomes harder to manage.

As a company enters new markets, local requirements, documentation needs and claims expectations can change quickly. Decisions made at headquarters may not always reflect what local teams need on the ground. Without clear coordination, the insurance program can start to fragment as the business grows.

Global consistency, local execution

Effective cross-border risk management takes more than buying coverage in more places. Leadership needs a clear view of the whole program, while regional teams need insurance that reflects how their markets actually work.

That balance depends on clear ownership and a strategy that can scale without losing sight of local requirements. When the structure is not connected, gaps can stay hidden until the business faces a claim, contract issue, or other serious problem.

When the approach is tested

The strain often becomes most visible during a loss. A major claim can quickly involve more than one policy or insurer, especially when operations are affected across multiple locations.

Without a clear structure, the response can slow while teams work through who is responsible and what happens next. That delay can make an already difficult loss harder to manage. The program needs to be ready before the business has to rely on it.

What does Howden’s U.S. Global Client Practice deliver?

Clearer coordination for businesses operating across markets

Howden’s Global Client Practice helps clients in 57 countries connect insurance strategy with local execution as they grow across regions, countries or both. The practice supports U.S.-headquartered businesses expanding into new markets, as well as non-U.S. companies managing U.S. exposures. Today, we have the ability to service 120 countries.

Support for inward and outward growth

For businesses expanding from the U.S. into other countries, Howden coordinates local policies with the broader insurance strategy. For companies based outside the U.S., we help address U.S. exposures that may require licensed local guidance and execution.

Insurance programs built around how the business operates

As companies scale, their insurance program can become harder to coordinate without a clear view of how the pieces fit together. Howden’s Global Client Practice reviews program structure, local coverage requirements and issues that could become harder to resolve later, giving leadership a better understanding of where attention may be needed.

The result is a clearer operating model for insurance decisions, built to keep pace as the business grows.

Why choose us? The Howden Difference

Howden gives clients a clear U.S. point of coordination for cross-border insurance needs, whether they are expanding outward or managing U.S. exposures.

Clients work with local Howden teams that understand market requirements, while Global Client Practice helps keep the broader insurance strategy aligned.

Clear workflows help clients manage placements, renewals and service needs with fewer surprises as the business grows.

Howden helps clients prepare before losses happen, so complex claims have a clearer path from reporting through resolution.

The global insurance solutions we offer

Multinational insurance program design
Design and placement for businesses coordinating insurance across regions or countries, including master and local policies, coverage limits and required terms.
Global property insurance
Protection for physical assets and business interruption exposures, helping clients account for losses that may affect more than one location.
International casualty insurance
Legal liability protection for growing operations, addressing third-party claims and contractual exposures that can extend across markets.
Cyber and financial lines
Cyber, directors and officers liability, and related digital or executive risk solutions for businesses operating across markets.
Alternative risk transfer
Captives, parametric insurance, and other alternatives for exposures that may not fit neatly within standard insurance markets.
Claims advocacy and advisory
Guidance for complex losses, from reporting protocols and adjuster strategy to coverage review and settlement discussions.