Insurance Brokerage and Underwriting (Insurance Intermediary)

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  Howden Group & Ault & Company

  One Creechurch Place, London, EC3A 5AF, United Kingdom

  Howden Group Holdings is a global insurance intermediary group headquartered in London, founded in 1994 by David Howden. The company operates across the full insurance value chain, providing retail and specialty insurance broking, reinsurance broking, and underwriting services through its DUAL managing general agency (MGA) division. Howden is distinguished by its employee‑ownership model, in which staff collectively own more than 30% of the business, a structure that has underpinned its culture of independence and long‑term thinking. From a single rented office with three employees, Howden has grown to employ approximately 23,000 people in 56 countries, managing around US$50 billion in premiums for clients ranging from private individuals to multinational corporations. The group comprises three main pillars: Howden Broking (retail, specialty, and reinsurance), DUAL (underwriting), and Howden Capital Markets & Advisory. It also operates the Howden One Network, a global partnership of more than 25,000 professionals in over 100 territories. Howden has expanded rapidly through both organic growth and strategic acquisitions, including the purchase of the Cybeta cyber platform in 2024 and the Atlantic Group to bolster its transaction liability capabilities. The company is backed by long‑term minority equity partners and maintains an investment‑grade credit profile. Its stated mission is to provide clients with innovative risk solutions while remaining a business that “will never be sold,” anchored by employee ownership and aligned investor capital.