Howden is one of the world's largest employee-owned insurance intermediaries, acting as both a broker and underwriter across the full insurance value chain. Founded in 1994, the group now employs over 23,000 people and operates in more than 100 countries. Its principal divisions are Howden Broking, the world's largest independently-owned international retail insurance broker, and DUAL, its underwriting arm.
The firm's ownership structure is distinctive. Around 6,000 employees are shareholders, collectively holding a 34% stake in the business. This model underpins a culture that emphasises entrepreneurial thinking, deep client relationships, and a collaborative international outlook. The company operates across all major global markets, with a presence spanning Europe, the United States, and beyond.
Howden's business covers retail and specialty insurance broking, reinsurance advisory, and underwriting. Key industry verticals include general insurance, reinsurance, and marine insurance. The group's scale and employee ownership set it apart in a sector dominated by publicly listed or privately held competitors.
