About
About Howden
Howden is the largest independently-owned international retail insurance broker, founded in 1994 and operating from DIFC since 2021 under DFSA licence F006564. With 15,000+ employees across 90+ territories, Howden combines global scale with entrepreneurial agility.
- Largest independently-owned international retail insurance broker
- 15,000+ people across 90+ territories worldwide
- DFSA-regulated DIFC operations (licence F006564)
- Employee-owned model aligns broker and client interests
- Rapid Middle East expansion with dedicated specialty teams
Property & Real Estate Solutions
- Commercial property and real estate portfolio insurance
- Construction project insurance including CAR, EAR, and third-party liability
- Strata and community owners' association (COA) insurance
- Title insurance and transaction risk advisory
- Specialty lines: fine art, high-net-worth property, and luxury residences
Sources
Services Offered
Key services Howden Insurance Brokers provides for insurance brokers clients in Dubai:
Why Choose Howden Insurance Brokers
- Global insurance broker — Howden arranges and places cover from multiple insurers rather than underwriting its own policies.
- Property, construction and real estate expertise covering commercial property, business interruption, contractors all-risk and developer programmes.
- DFSA-authorised DIFC branch (Howden Insurance Brokers Limited, Ref. F006564) operating from the Dubai International Financial Centre, alongside a Central Bank of the UAE registered broking presence.
- One of the world's largest independent brokers, founded in London in 1994 and operating across 50+ countries, giving access to international and reinsurance markets.
- Employee-ownership model and full-service offering spanning commercial, liability, employee benefits and specialty lines.
How Howden Insurance Brokers Works
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1
Risk assessment
Howden reviews the client's property, project or business exposures and identifies the risks to be insured.
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2
Market broking
Using its broker status, Howden approaches multiple insurers and reinsurers to source competitive terms.
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3
Programme placement
Cover is structured and placed with the chosen carriers, tailored to the property or risk programme.
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4
Ongoing service and claims advocacy
Howden manages renewals and supports the client through the claims process.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Licenses & Certifications
Licenses and certifications are subject to renewal. Verify current status with the issuing authority before engagement.
Frequently Asked Questions
Is Howden an insurer or an insurance broker in Dubai?
Howden is an insurance broker. It does not underwrite its own policies; it arranges and places cover on your behalf from multiple insurers and reinsurers.
Does Howden arrange property insurance for real estate in Dubai?
Yes. Howden places commercial property and business interruption cover, plus construction, engineering and developer insurance programmes relevant to real estate.
Who regulates Howden in the UAE?
Howden's DIFC branch (Howden Insurance Brokers Limited, Ref. F006564) is authorised by the Dubai Financial Services Authority (DFSA), and Howden also operates as a Central Bank of the UAE registered insurance broker. Always verify current authorisation on the relevant register before engaging.
What lines of insurance does Howden arrange?
Howden covers commercial property, construction and engineering, liability, D&O, professional indemnity, marine, motor fleet, employee benefits and reinsurance.
When was Howden founded?
Howden Group was founded in London in 1994 and has grown into one of the world's largest independently-owned international insurance brokers.
How do I get a quote from Howden?
Cover is arranged on a quote-on-request basis. Howden assesses your risk, brokes the market across multiple insurers, and presents tailored terms.
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