Howden

Howden is an employee-owned insurance broker with 22,000 colleagues operating in 56 countries. The company manages $42bn in premium and provides client-facing service through Howden One Network, a global insurance and employee benefits broking proposition. Howden One Network combines Howden-owned offices with a selected group of trusted independent partners whose culture and values align with Howden's, bringing together over 50,000 professionals across all insurance specialisms.

The network has 550+ trading offices and branches directly present in 56 countries, with a strong local presence across six continents and dedicated country coordinators in every country and region. It offers property and casualty solutions and employee benefits consultancy across multinational operations, supported by a central service team, global servicing standards, and an international client portal for enhanced management and decision making. Services include proactive claims management, worldwide legislative and regulatory advisory, local market insights, and an international risk review service.

Home and business cover placed through this Manchester broker forms the core of the feedback, with clients returning over many years for both personal and commercial policies. A number of reviewers describe a professional and courteous team that stays on hand for advice, and the way claims and mid-term policy changes are handled comes up as a consistent strength. Rather than allowing renewals to roll over, cover is checked each year so that unnecessary items are stripped out and the protection actually required is put in place, an approach credited with securing suitable terms at a fair price.

Motor, healthcare and property policies are all mentioned, alongside commercial vehicle and loss adjuster cover for businesses, and named members of staff are praised for going out of their way to help on individual cases. Attention to the small print, sound guidance that has saved customers money, and an efficient, approachable manner are recurring themes. What holds these accounts together is the continuity of dealing with the same people year after year, from a first home claim through to complex commercial arrangements, and that familiarity is what clients value most.