Founded in 1994 in London, Howden Group Holdings has grown into a major international insurance intermediary group. The company is built on an employee-ownership model, which it believes fosters a client-centric culture. Its operations are structured into three main pillars: Howden, its global insurance and reinsurance broking business; DUAL, one of the world's largest international underwriting agencies (MGA); and Howden RE, its reinsurance broking division. The group's mission is to provide a range of specialist insurance solutions to clients, from individuals to the largest multinational corporations, by leveraging its expertise and global reach.