What Howden Finland does

Howden Finland Oy is a Helsinki-based insurance broker (vakuutusmeklari) and the Finnish operating entity of Howden Group Holdings, the world's largest independently operating insurance broker with a presence in 30 countries and a partner network spanning more than 60 locations. Founded in 2005 and employing 101-250 people, the company serves two primary verticals in Finland: housing companies, property owners, and property managers (Taloyhtiöt), and Finnish businesses of various sizes requiring commercial insurance solutions. Its core product lines include property insurance (Kiinteistövakuutukset), corporate insurance (Yritysvakuutukset) covering credit, cyber, liability, and business interruption risks, and personal insurance (Henkilövakuutukset). The property offering is differentiated by a suite of proprietary customer benefit add-ons branded as the PLUS family (AsumisPLUS, VastuuPLUS, OikeusturvaPLUS, KorvausPLUS, TorjuntaPLUS, OmavastuuMIINUS, VahinkoPLUS, IkäpoistoMIINUS, IsännöitsijäPLUS), which bundle enhanced coverage, claims support, legal protection, and prevention services. Corporate insurance is supplemented by advisory services including cyber risk assessment (Kyberriskikartoitus), business risk mapping (Liiketoiminnan riskikartoitus), project risk management, supply chain risk assessment, insurance analysis, and continuous insurance management.

The company's revenue model is commission-based: as an independent broker representing multiple insurers, Howden Finland earns placement commissions on policies across its three product lines. Pricing is not publicly disclosed, as it varies by client risk profile and coverage requirements. Go-to-market is sales-led and direct, operating through the company website, phone (+358 9 5420 2400), and contact forms, with the Howden One global broker network providing a channel for cross-border or complex enterprise placements. Customer engagement is supported by a content marketing program (blogs, guides, claim stories) and organic social media presence on LinkedIn, Facebook, YouTube, and Instagram. Technology infrastructure includes the Cofinet client portal for property customers and a strategic AI partnership with Fidelis Partnership to automate the pre-bind submission process, enabling greater underwriter throughput without proportional headcount growth. The company is privately held as a wholly owned subsidiary of Howden Group Holdings, with no public revenue or headcount trend disclosed.

Name

Howden Finland

Legal name

Howden Finland Oy

Website

https://howdenfinland.fi

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Howden Finland is a Helsinki-based independent insurance broker serving Finnish housing companies, property owners, and businesses with property, corporate, and personal insurance, plus risk advisory services, as part of Howden Group's global network spanning 30 countries.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Surety & Bond Brokerage (FSAEADAI)

Keywords

• Insurance brokerage
• Property insurance
• Corporate insurance
• Risk management
• Claims handling

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Howden Finland operates as an insurance broker (vakuutusmeklari), earning commissions from insurance providers for placing client coverage. As an independent broker, they represent multiple insurers and earn commissions on policies placed.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Howden Finland is an independent insurance broker (vakuutusmeklari) operating as the Finnish subsidiary of the global Howden Group. The company places property, corporate, and personal insurance coverage with multiple insurers on behalf of Finnish housing companies, property owners, and businesses, and provides associated claims handling and risk advisory services. Revenue is generated primarily through commissions received from insurance providers for policies placed.

Product overview

Howden Finland is a local insurance broker (vakuutusmeklari) operating as part of the international Howden Group, the world's largest independently operated insurance broker. The company offers a unified broker platform combining property insurance (Kiinteistövakuutukset), corporate insurance (Yritysvakuutukset), and personal insurance (Henkilövakuutukset). Property insurance serves housing companies, property owners, and managers through the core product supplemented by customer benefit add-ons (AsumisPLUS, VastuuPLUS, OikeusturvaPLUS, KorvausPLUS, TorjuntaPLUS, TorjuntaPLUS Business, OmavastuuMIINUS, VahinkoPLUS, IkäpoistoMIINUS, IsännöitsijäPLUS). Corporate insurance includes specialized products (Luottovakuutus, Kybervakuutus/Cyber+, Takausvakuutus, Vastuuvakuutukset, Omaisuus- ja keskeytysvakuutukset) alongside advisory services (Kyberriskikartoitus, Liiketoiminnan riskikartoitus, Projektin riskienhallinta, Toimitusketjun riskikartoitus, Vakuutusanalyysi, Vakuutusten jatkuva hoito, Vakuutusten kilpailutus). The Howden One global broker network provides international reach across 30 countries.

Differentiator

Problem solved

Functional benefit

Brands

• AsumisPLUS: Customer benefit program for residential insurance
• VastuuPLUS
• OikeusturvaPLUS
• KorvausPLUS
• TorjuntaPLUS
• OmavastuuMIINUS
• VahinkoPLUS
• IkäpoistoMIINUS
• IsännöitsijäPLUS
• Howden One

Products and services

• Kiinteistövakuutukset (Property Insurance) Property insurance services for housing companies, property owners, and property managers covering buildings and related risks in Finland.
• Yritysvakuutukset (Corporate Insurance) Corporate/business insurance brokerage solutions covering credit, cyber, liability, guarantee, property, and business interruption risks for Finnish businesses.
• Henkilövakuutukset (Personal Insurance) Personal insurance products for individuals, including coverage relevant in corporate restructuring and business arrangement contexts.
• Luottovakuutus (Credit Insurance) Credit insurance protecting Finnish businesses against non-payment by customers and trade receivables default.
• Kybervakuutus (Cyber Insurance) Cyber insurance coverage for digital risks and cyber incidents faced by Finnish businesses.
• Cyber+ -vakuutus (Cyber+ Insurance) Enhanced cyber insurance product with extended coverage features layered on top of the standard cyber insurance offering.
• Takausvakuutus (Guarantee Insurance) Guarantee insurance for covering contractual obligations of Finnish businesses.
• Vastuuvakuutukset (Liability Insurance) Liability insurance products covering various business liability exposures for Finnish businesses.
• Omaisuus- ja keskeytysvakuutukset (Property and Business Interruption Insurance) Property and business interruption insurance covering physical assets and lost income for Finnish businesses.
• Kyberriskikartoitus (Cyber Risk Assessment Service) Cyber risk assessment service for identifying and analysing digital threats faced by Finnish businesses.
• Liiketoiminnan riskikartoitus (Business Risk Assessment) Business risk assessment service for identifying operational and strategic risks for Finnish companies.
• Projektin riskienhallinta ja vakuuttaminen (Project Risk Management and Insurance) Project risk management and insurance planning service for corporate projects.
• Toimitusketjun keskeytys- ja riippuvuusriskien kartoitus (Supply Chain Disruption and Dependency Risk Assessment) Supply chain disruption and dependency risk assessment service for Finnish businesses.
• Vakuutusanalyysi (Insurance Analysis) Insurance analysis service for reviewing and optimising coverage of business insurance programmes.
• Vakuutusten jatkuva hoito (Ongoing Insurance Management) Ongoing insurance management and administration service for corporate clients, covering renewals and policy upkeep.
• Vakuutusten kilpailutus (Insurance Tendering) Insurance tendering service for competitive quotation comparison across multiple carriers.
• Howden One Network Global broker network connecting Howden offices worldwide, providing Finnish clients with access to international insurance markets and expertise for complex coverage requirements.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Fidelis PartnershipcoreTechnology or IntegrationHowden has a strategic partnership with Fidelis Partnership focused on AI integration in the insurance process. The partnership involves automating the pre-bind submission process using Fidelis' AI capabilities that automate data entry, pricing models, and underwriting logic. This allows Howden underwriters to handle greater deal flow and focus on higher-value decision-making while supporting scalability without adding headcount. The AI integration enables innovation and faster decision-making in client relationships.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Hub International Limited: Hub International is a large North American insurance brokerage expanding across specialty and mid-market. Its independent broker positioning and emphasis on specialty lines (cyber, professional, credit) make it functionally comparable to Howden Finland's go-to-market.
• Brown & Brown, Inc. Brown & Brown is a major insurance brokerage and risk management franchise operating across commercial P&C, personal lines, and specialty. It competes with Howden Finland for mid-market and corporate accounts with similar multi-carrier placement models and broker-of-record positioning.
• Lockton Companies: Lockton is the world's largest independent insurance broker and a direct peer to Howden Group globally. Like Howden, Lockton emphasizes independence, specialty practice depth, and large/complex risk placements across multiple geographies.
• Aon plc: Aon is one of the world's largest insurance brokerage and advisory firms with a global footprint including Finland. It competes head-to-head with Howden Finland for mid-market and corporate insurance placements, and offers overlapping specialty risk advisory (cyber, credit, project risk) on a global scale.
• Marsh (Marsh McLennan): Marsh operates the world's largest insurance brokerage practice and competes directly with Howden Finland in corporate P&C, specialty, and risk advisory. Marsh's Nordic presence makes it a like-for-like comparator on multi-national corporate Finnish accounts.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with growing Nordic presence. It targets the same mid-market and corporate broker segments as Howden Finland with comparable multi-line and specialty capabilities.
• Willis Towers Watson (WTW): WTW is a global insurance and reinsurance brokerage with Nordic/Finnish exposure that competes in the same corporate and specialty broker space. It is a direct competitor for multi-line corporate placements, risk advisory, and analytics-enabled broker services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC9NcrbUQpuMUUxSk0m8blcA
• Facebookfacebook.com/howdenfinland
• LinkedInlinkedin.com/company/howden-finland
• Instagraminstagram.com/howdeninsurance

Revenue estimate

Valuation estimate

Number of profiles

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 Finland