Howden Colombia

What Howden Colombia does

Howden Colombia is the Colombian subsidiary of Howden Group Holdings, a privately held global insurance and reinsurance broking conglomerate headquartered in Bogotá. The firm operates as an insurance intermediary, generating revenue primarily through commissions on premiums placed with carriers and, increasingly, through fee-based advisory engagements in risk consulting and employee benefits. Its client base spans four explicit segments — PYMES (small and medium enterprises), corporations, multinationals, and individuals — providing structural diversification across the Colombian market.

The company's product portfolio covers general insurance and reinsurance broking, specialty lines including Directors & Officers, cyber, and crime, employee benefits and benefits consulting, and a climate risk and resilience advisory practice. Service delivery combines direct broker-led client relationships with a digital online services portal that enables policy administration and self-service, particularly for the SME and individual segments. Multinational clients are serviced through the parent group's Howden One Network, an integrated global broking platform spanning 55 countries and managing more than $38bn in premium volume.

The business model follows the standard brokerage commission structure, supplemented by contingent commissions from carriers based on placement volume or loss-ratio performance, and fee income from consulting mandates. Howden Colombia is privately held as part of Howden Group, which itself is privately held, meaning Colombia-specific financial disclosures are not publicly available. Operations are conducted within Colombia's regulated insurance intermediary framework under Superintendencia Financiera supervision.

Name

Howden Colombia

Legal name

Howden Colombia

Website

https://howdencolombia.co

Company type

Private

Founded year

1994

Operating status

Operating

Short description

Howden Colombia is the Bogotá-based Colombian arm of privately-held Howden Group, providing insurance, reinsurance, employee benefits, and climate risk advisory services to SMEs, corporates, multinationals, and individuals through the global Howden One Network and a digital self-service portal.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Reinsurance Brokerage (FSAEADAE)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage
• Reinsurance services
• Employee benefits consulting
• Risk management solutions
• Commercial insurance products

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Services: Howden Colombia operates as an insurance specialist broker, earning revenue through commissions on insurance policies placed for clients. The company manages insurance programs for PYMES, corporations, and multinationals across various sectors including property, casualty, employee benefits, and specialty lines.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Howden Colombia is an insurance and reinsurance broker offering a comprehensive portfolio of insurance products, reinsurance brokerage, and employee benefits consulting for businesses, corporations, multinationals, and individual clients in Colombia. The company arranges coverage across multiple sectors including aviation, agriculture, construction, energy, financial entities, healthcare, hospitality, manufacturing, marine, media, real estate, commerce, transportation, and logistics.

Product overview

Howden Colombia operates as a specialized insurance broker offering a comprehensive portfolio of insurance products and employee benefits. The company provides two primary client segments: Business and Corporate clients (covering sectors like agriculture, construction, finance, healthcare, hospitality, manufacturing, marine, media, real estate, commerce, transportation, logistics, education, and energy) and Individual clients. Their insurance offerings include specialty lines such as Aviation, Cyber, D&O, Property, Professional Liability, and Climate Risk, while their employee benefits package includes Group Life, Collective Medical, Group Personal Accident, and Group Travel insurance. The company also offers reinsurance services, state business solutions, and an online services portal for digital client engagement.

Differentiator

Problem solved

Functional benefit

Products and services

• Aviation Insurance Aviation insurance covering aircraft operators, aviation businesses, and individual aviation clients including private pilots.
• Construction All Risk Insurance Comprehensive construction insurance covering all risks during building and engineering projects.
• Contingency Insurance Contingency insurance including event cancellation and non-attendance coverage, as well as death, disability, and misfortune insurance.
• Credit and Capital Insurance Credit and capital insurance including commercial credit, fidelity and money, structured credit and investment risk, and compliance insurance.
• Crime Insurance Crime insurance protecting against criminal acts such as theft, fraud, and embezzlement.
• Cyber Insurance Cybersecurity insurance providing coverage for data breaches, cyber attacks, and digital risk management.
• D&O Liability Insurance Directors and Officers liability insurance protecting company leadership from personal liability claims.
• Energy and Power Insurance Energy and power sector insurance covering energy companies, mining operations, and power generation facilities.
• Errors and Omissions Insurance Errors and Omissions insurance protecting professionals and businesses against negligence claims.
• General Liability Insurance General civil liability insurance covering bodily injury, property damage, and personal injury claims.
• Medical Liability Insurance Medical malpractice and professional liability coverage for healthcare providers and institutions.
• Product Recall Insurance Product recall insurance covering costs associated with recalling defective products from the market.
• Property Insurance Property insurance covering buildings, equipment, and contents against physical loss or damage.
• Professional Liability Insurance Financial professional liability insurance protecting against negligence in professional services delivery.
• Terrorism and Political Violence Insurance Specialized insurance coverage for terrorism acts and political violence incidents.
• Warranty and Indemnity Insurance Warranty and indemnity insurance for business transactions and contractual obligations.
• Climate Risk and Resilience Insurance Climate risk insurance and resilience solutions helping organizations adapt to climate-related threats.
• Affinity Insurance Affinity insurance products designed for member-based organizations and associations, providing specialized coverage tailored to group needs.
• Employee Benefits Consulting Professional consulting services helping organizations design and implement employee benefit programs.
• Group Life Insurance Group life insurance policies providing death benefits to employees and their beneficiaries.
• Group Health Insurance Group health insurance plans offering medical coverage for employees and their families.
• Group Personal Accident Insurance Group personal accident insurance providing coverage for workplace and non-workplace accidents.
• Group Travel Insurance Group travel insurance covering employees on business trips and corporate travel.
• Automobile Insurance Personal vehicle insurance covering cars and other automobiles for individual policyholders.
• Home and Contents Insurance Homeowners insurance covering residential properties and personal belongings.
• Private Health Insurance Private health insurance providing individual medical coverage and healthcare access.
• Travel Insurance Individual travel insurance covering trip cancellation, medical emergencies, and travel-related risks.
• Reinsurance Brokerage Reinsurance brokerage services helping primary insurers manage risk exposure through reinsurance arrangements.
• State Business Insurance Specialized insurance services for government entities and state-owned enterprises.
• Online Services Portal (Servicios en Línea) Online self-service portal for clients to manage their insurance policies, make payments, and submit claims digitally.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Howden One NetworkcoreChannel Partner/ Reseller/ DistributorHowden One Network is the global broker network operated by Howden Group Holdings, providing member brokers with access to international markets, shared resources, and coordinated service delivery for multinational clients.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Arthur J. Gallagher: Gallagher is a global insurance brokerage and risk management firm with LatAm operations; comparable to Howden Colombia in serving mid-market and corporate clients across property, casualty, and specialty risks.
• Aon: Aon runs a Colombian insurance and reinsurance brokerage operation and is a top global competitor; both firms compete for the same multinational program business and corporate risk advisory mandates in Colombia.
• Marsh (Marsh McLennan): Marsh operates a Colombian insurance brokerage presence and is one of the world's largest insurance brokers, competing directly with Howden Colombia for corporate, multinational, and specialty insurance placement across the same line-of-business categories.
• Lockton: Lockton is a global independent insurance broker with growing LatAm presence; comparable to Howden as the world's largest independent broker in structure, with overlapping corporate client pursuit in property, casualty, and specialty lines.
• Brown & Brown: Brown & Brown is a US-headquartered insurance brokerage with international expansion; comparable in scale and model to Howden Colombia as a multi-line broker pursuing commercial and specialty business.
• Willis Towers Watson (WTW): WTW provides insurance brokerage, reinsurance, and risk advisory services in Colombia through a local entity, directly competing with Howden Colombia for corporate and specialty placements.

Broad incumbents

• Chubb Colombia: Chubb operates as a major global insurer with a Colombian subsidiary underwriting property, casualty, and specialty lines; competes with Howden Colombia for placement of corporate and SME risks as an underwriter counterpart.
• Grupo Sura (Seguros Sura Colombia): Grupo Sura is one of Colombia's largest financial services conglomerates with a dominant insurance arm; it competes broadly with Howden Colombia in the Colombian insurance market across corporate, SME, and individual segments, though it is also a capital owner in the local industry.
• Munich Re: Munich Re is one of the world's largest reinsurers and a direct counterparty for Howden Colombia's Reaseguros service line; while not a broker, it shapes the reinsurance market in which Howden Colombia places capacity for its clients.
• Liberty Seguros Colombia: Liberty Seguros is a multinational insurer with a Colombian subsidiary offering personal and commercial lines; competes broadly with Howden Colombia for corporate and individual insurance placements in the local market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/in/howden-colombia-816b2115b
• Instagraminstagram.com/howdeninsurance

Compliance1 record

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 Colombia