Howden

Name

Howden

Website

https://howdenpatagonia.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Treaty Reinsurance Brokerage (FSAOAHAA)

akta.pro secondary industries

Reinsurance Program Structuring & Portfolio Solutions (Broker-led) (FSAOAHAJ), Trade Credit Insurance Brokerage (FSAEADAL), Reinsurance Claims, Accounting & Contract Administration (Broker Services) (FSAOAHAI)

Keywords

• Insurance brokerage
• Risk advisory
• Cyber insurance
• Trade credit insurance
• Specialty insurance

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commission: Howden operates as a global insurance and reinsurance broking group, generating revenue through commissions on insurance policies placed for clients across commercial, specialty, and retail lines.
2. Cyber Insurance Advisory: Cyber insurance brokerage and advisory services generating 19% return on investment for clients, positioned as both a financial safety net and an enabler of improved cybersecurity outcomes.
3. Financial Advisory Services: Financial planning and advisory services in Ireland including life, pensions, and broader financial services, expanding through Maven Financial Planning acquisition.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Howden is a global insurance and reinsurance intermediary that places commercial, specialty, and retail insurance coverage for clients and earns commissions on those placements. The firm also provides dedicated risk advisory and specialty practices (cyber, trucking, natural resources, political and trade credit risk) coordinated across a network spanning 56 countries, supplemented by actuarial, longevity, and financial advisory services.

Product overview

Howden is a global insurance intermediary group offering a comprehensive portfolio of insurance and risk management products and services. The company operates a multi-practice model with specialized offerings including cyber insurance (US Cyber Practice), specialty transportation and logistics (US Trucking Practice), natural resources, financial advisory services, and credit/political risk insurance. The portfolio is supported by a unified Global Trade Credit Insurance Network spanning 56 countries, and an Insurance Actuarial & Longevity advisory practice combining expertise from acquired firms. Howden has been aggressively expanding through acquisitions including Cybeta for cyber analytics, Maven Financial Planning for Irish presence, and Hymans Robertson's consulting team, positioning itself as a full-service insurance broker competing in specialty niches.

Differentiator

Problem solved

Functional benefit

Brands

• US Cyber Practice: Dedicated US cyber insurance practice providing services across corporate cyber insurance risks
• US Trucking Practice
• Howden Insurance Actuarial & Longevity
• Specialty Transportation & Logistics
• Howden Capital, Advisory and Placement (CAP)

Products and services

• US Cyber Practice
• US Trucking Practice
• US Natural Resources Practice
• Credit and Political Risk Insurance (CAP)
• Trade Credit Insurance
• Howden Insurance Actuarial & Longevity
• Financial Advisory Division

Quantifiable outcome

• 16% average annual organic growth in International Growth Markets over three years
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Hymans RobertsoncoreStrategic or Co-development Partner · 1 April 2026Howden is set to acquire the consulting team of Hymans Robertson, combining it with specialists from Barnett Waddingham under a new Howden Insurance Actuarial & Longevity banner. Approximately 90 experts are being brought together globally to create a best-in-class advisory practice for insurance clients.
• Barnett WaddinghamcoreStrategic or Co-development Partner · 1 April 2026Barnett Waddingham specialists are being combined with Hymans Robertson consulting team under the new Howden Insurance Actuarial & Longevity banner, bringing together approximately 90 experts globally to create a best-in-class advisory practice for insurance clients.
• Polygon Insurance BrokersminorStrategic or Co-development Partner · 17 March 2026Howden announced the acquisition of Polygon Insurance Brokers, which operates in Jersey and Guernsey. This acquisition is part of Howden's restructuring of its international operations merging Middle East and Africa with European business to form a single EMEA broking region.
• ThéorèmeminorStrategic or Co-development Partner · 24 November 2025Howden's purchase of Théorème is noted as a key industry development in the global insurance brokerage market, which was valued at USD 114.89 billion in 2024 and is projected to grow to USD 236.14 billion by 2032.
• CofacecoreStrategic or Co-development Partner · 30 May 2025Howden partnered with Coface, a leading trade credit insurance provider, to offer trade credit insurance solutions to businesses seeking protection against customer defaults. The partnership addresses rising liquidation rates (up 18.9% year-over-year in New Zealand Q1 2025) and provides businesses with protection against non-payment risk.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Lockton Companies: Largest independent insurance broker globally, with strong specialty practices and a US-centric enterprise client base. Closest analog to Howden in independent-ownership positioning and specialty focus, including cyber and natural resources.
• Alliant Insurance Services: US specialty and middle-market insurance brokerage. Also named in litigation against Howden over alleged broker poaching, underscoring direct competition for US specialty talent and accounts.
• Brown & Brown: US specialty insurance broker with national retail and program-business operations. Named in active litigation against Howden, reflecting direct competitive overlap in US commercial broking and contested talent.
• Arthur J. Gallagher & Co. Major US-headquartered insurance broker and risk management services firm with deep specialty and wholesale capabilities. Competes with Howden directly in trucking, energy, and US retail broking and pursues a comparable acquisition-led growth strategy.
• Hub International: North American insurance brokerage with strong middle-market and specialty presence built largely through acquisitions. Overlaps with Howden on US retail expansion, specialty verticals, and acquisition-led scaling.
• Marsh (Marsh McLennan): The world's largest insurance broker and a core competitor in commercial, specialty, and reinsurance placement. Howden is explicitly cited as hiring senior executives from Marsh, making Marsh a direct overlap on product, customer base, and delivery model.
• Willis Towers Watson (WTW): Top-three global insurance, reinsurance, and risk advisory firm with a strong specialty and analytics practice. Comparable to Howden across mid-market, large-account placement, and reinsurance broking, and is similarly pursuing data-driven specialty differentiation.
• Aon: Global insurance and reinsurance broker with overlapping specialty practices, including cyber and natural resources, and a comparable multinational client base. Howden's US expansion has explicitly recruited senior Aon talent, underscoring direct rivalry.

Broad incumbents

• Acrisure: Tech-enabled insurance broker that built global scale primarily through acquisitions and partnership models. Closely comparable in operating playbook to Howden's M&A-led specialty build, with broader business-line coverage.

Emerging players

• Miller Insurance Services: UK-based independent specialist insurance broker focused on reinsurance, sport, and complex risks. Comparable in independent-ownership positioning and specialty reinsurance/brokerage orientation, though smaller in scale than Howden.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/howdenpatagonia

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Howden