International business insurance provider
Howden One
Global insurance broker network
A broker network that coordinates local and international placement. It does not underwrite the policy.
At a glance
- Provider type
- Global insurance broker network
- Global reach
- Very high
- Primary audience
- Multinationals, international mid-market businesses and clients needing local and global coordination
- Property / BI
- Strong
- Liability
- Strong
- Professional / E&O
- Strong
- D&O
- Strong
- Cyber
- Strong
- Business travel
- Available
- Employee benefits
- Strong
- Cargo / transit / fleet
- Strong
- Political risk
- Available
- K&R / crisis
- Available
- Multinational programme
- Strong
- Local compliance
- Strong
- Risk consulting
- Strong
- Claims support
- Network dependent
- Provider model
- Broker network
- Pricing
- Bespoke
What type of business-insurance provider is this?
A global insurance broker network. The contracting broker and the local network member are separate from the insurer that underwrites the risk. Understanding the provider model helps explain who designs the programme, who places the insurance and who ultimately carries the risk.
Who it may suit
Howden One may be relevant to Multinationals, international mid-market businesses and clients needing local and global coordination.
Where can the provider support your business?
Very high global reach. Provider materials state a client-facing service across 120+ countries. Service delivery depends on the local network member. Howden One is not an insurer. Global reach is not identical capability in every country.
Property and business interruption
Strong through the network. Buildings, machinery, equipment, inventory and income interruption are separate questions. Contingent interruption and natural catastrophe depend on the wording. No limit is stated here.
Liability
Strong. Public and general liability, product liability and cross-border liability are not the same contract in every country. Employers’ liability, where it exists, is often local.
Professional indemnity and errors and omissions
Strong. This can include professional negligence, a service failure or a financial-loss claim. Technology and financial lines, where described, are still policy-specific.
Directors and officers
Strong. Management liability, investigations and claims against the people who run the company sit in this line. Entity cover, where it exists, is in the wording.
Cyber insurance
Strong. Ransomware, business interruption, breach response, privacy liability and incident response are separate sections. This page does not say every cyber policy includes every one of them.
Business travel and employee protection
Available. Strong through the employee-benefits network. Travel accident, emergency medical and group health are different contracts. See travel insurance and international health insurance for the personal side of those questions.
Cargo, transit and fleet
Strong, and practice dependent. Marine cargo, goods in transit, logistics and commercial vehicles are separate from a buildings policy.
Political violence and crisis risks
Available through specialty practices. Available. Terrorism, civil unrest, political risk and kidnap or ransom cover are specialty lines. None of this is universal availability.
Multinational programme capability
Strong. Provider materials state a client-facing service across 120+ countries. A master programme, local policies, difference-in-conditions or difference-in-limits cover, central reporting and claims coordination are design questions. A master policy does not override local regulation.
Local admitted policies and compliance
Strong. Local broker network and regulatory coordination. Compulsory local policies, premium taxes, local contracts and local claims handling follow the country where the risk sits. International insurance programme design should be coordinated with legal and tax advisers where required.
Risk consulting
Strong. Property engineering, cyber assessment, supply-chain work and business continuity, where offered, are advisory. They are not a statement that a loss will be prevented or paid.
Claims advocacy and servicing
Strong, and network dependent. Claims preparation, insurer negotiation and local coordination matter when more than one policy or country is involved. Support is not a decision that a claim will be paid.
What changes international business-insurance pricing?
Bespoke. This page does not publish a premium.
- Industry
- Revenue
- Countries of operation
- Property values
- Loss history
- Cyber controls
- Employee count
- Limits
- Deductibles
- Supply chain
- Claims history
- Natural-catastrophe exposure
Questions to ask
Ask Howden One directly. This page does not answer these for a particular company.
Are you a broker or insurer?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Which countries can you support?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you arrange locally admitted policies?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you design a multinational programme?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you provide a master policy?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you coordinate DIC / DIL?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you handle property and business interruption?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you place global liability?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you cover professional indemnity?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you offer D&O?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you offer cyber?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you arrange business travel cover?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you coordinate employee benefits?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you handle cargo / transit?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you support political violence cover?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you arrange kidnap / ransom?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you provide risk consulting?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Who manages international claims?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you provide consolidated programme reporting?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
How are premiums allocated across countries?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Which local entities issue policies?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Which insurers are used?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
How are broker fees or commissions structured?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
What is the renewal process?
Ask Howden One directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
Information is based on publicly available provider information reviewed by WiT Access. Commercial-insurance product availability, programme design, underwriting, pricing, local-policy requirements and geographic capability can change.