News & Views by Howden

While I’ve enjoyed reading many online articles on subrogation, for every piece that does an excellent job of explaining, there are many more that do an equally good job of simply confusing the reader via a meandering case study while throwing in a w... more

Lithium-ion batteries have become an integral power source across modern life, fuelling everything from personal gadgets like mobile phones, laptops, and e-cigarettes, to larger applications such as electric scooters, e-bikes, and vehicles. However, ... more

In recent times, we've been fortunate to feature a couple of insightful articles that shed light on the intricate decision-making process many clients face when strategising their insurance portfolios. Two standout pieces, "What's the value of high-q... more

In the realm of insurance, coverage often has diverse interpretations. Our recent article ”Insurance is a lever” explained the complex world of risk transfer, underscoring the nuanced perils that different policies might address. But let's delve into... more

When delving into the realm of financial lines placements—ranging from Professional Indemnity to Cyber Liability and Directors & Officers Liability—we frequently encounter terms like "any one claim" or "in the aggregate" following the indemnity limit... more

In an ideal world, the prospect of steering clear of claims while evading insurance costs would be a universal aspiration. The concept of erasing risk altogether holds undeniable appeal; however, the reality of uncertainty compels most to resist carr... more

While Tronc payments – or at least the word itself – are known about across the hospitality and leisure sector, the mechanics of how it currently works may well be a bit of a grey area. And with new legislation coming into force in 2024 to ensure it’... more

Insuring art can be a tricky business and in terms of coverage, “Art” encompasses a very big area. We’re talking everything from antique furniture to sculptures, from paintings to comic books. It’s no surprise that insuring art can be a complicated b... more