Howden Forsikringsmegling AS

Name

Howden Forsikringsmegling AS

Legal name

Howden Norway AS

Website

https://howdengroup.no

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Reinsurance Claims, Accounting & Contract Administration (Broker Services) (FSAOAHAI)

Keywords

• Insurance brokerage
• Risk management
• Employee benefits
• Reinsurance services
• Corporate insurance

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices2 records

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: Revenue generated through commissions from placing insurance policies for clients across property & casualty, marine & energy, affinity, and reinsurance segments

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Howden Forsikringsmegling AS (Howden Norway) is a specialist insurance broker placing Property & Casualty, Marine & Energy, Affinity, and Reinsurance coverage for business clients, and delivering risk management consulting, financial advisory, actuarial, and employee benefits (including pension solutions and global benefits management) services across Norway as part of the Howden Group Holdings network.

Product overview

Howden Norway is a specialist insurance broker operating as a platform-plus-modules architecture within the Howden Group Holdings global network. The core offering comprises Property & Casualty, Affinity, Marine & Energy, and Reinsurance insurance products, supplemented by comprehensive Risk Management, Financial Advisory, and Employee Benefits services. The employee benefits division includes Actuarial, Pension Solutions, Executive Programs, and Supplementary Pension offerings. The company also provides self-service digital portals (Hive Portal for members, Client Portal for account management) integrated within the broader Howden One Network spanning 50 countries with $38bn+ USD premium under management and 18,000 employees.

Differentiator

Problem solved

Functional benefit

Products and services

• Property & Casualty Insurance
• Affinity Insurance
• Marine & Energy Insurance
• Reinsurance Brokerage
• Risk Management Consulting
• Financial Advisory Services
• Actuarial & Analysis Services
• Due Diligence Services

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators4 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• Willis Towers Watson Norway: WTW's Norwegian entity providing insurance brokerage, risk management, and employee benefits consulting. Competes directly with Howden Norway across corporate P&C, marine, and international benefits accounts in Norway.
• Lockton Norway: Lockton's Norwegian presence offers specialty commercial insurance and reinsurance brokerage, employee benefits, and risk management. As the world's largest independent broker, Lockton is the closest 'independent' competitor mirroring Howden's positioning.
• Arthur J. Gallagher Norway: Gallagher's Norwegian office is a global insurance broker and risk management firm that competes directly with Howden Norway for corporate and specialty insurance placements in the Norwegian market.
• Vanbreda Risk & Benefits: Belgian-headquartered broker specializing in insurance, reinsurance, and employee benefits for corporate clients. Comparable to Howden Norway's mix of specialty insurance placement and international employee benefits/pension advisory work.
• Aon Norway: Norwegian arm of Aon, one of the two largest global insurance and reinsurance brokers. Directly competes with Howden Norway for large corporate, marine, and multinational accounts in the Norwegian market, with a similar specialty brokerage model and global network reach.
• Marsh Norway: Marsh McLennan's Norwegian operation, offering corporate insurance brokerage, risk management, and employee benefits. Marsh is the closest head-to-head competitor to Howden Norway on large and mid-market corporate accounts in Norway.

Broad incumbents

• If Skadeförsäkring: Major Nordic insurance carrier (part of Sampo Group) operating across the Nordics including Norway. Competes indirectly with Howden Norway by offering direct insurance placement that can displace intermediated brokerage flows in the Norwegian market.
• Gjensidige: Largest Norwegian-owned general insurer offering both direct insurance and intermediary/broker services. While primarily a carrier rather than a pure broker, Gjensidige competes for the same Norwegian commercial accounts and offers an in-house alternative to third-party brokers like Howden Norway.

Regional players

• BDB Insurance Brokers: UK-focused independent insurance broker operating outside the global broker majors. Similar in scale and independence-led positioning to Howden Norway, though geographically focused on the UK rather than Norway.

Emerging players

• Oval Insurance Brokers: Independent insurance and reinsurance broker with specialty expertise analogous to Howden Norway's Marine & Energy and Affinity lines, though smaller scale and UK-centric rather than Norway-domiciled.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/howden-insurance
• 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 Forsikringsmegling AS