Howden Group

Howden Group Holdings is a London-headquartered, employee-owned international insurance intermediary founded in 1994, operating across retail insurance broking (Howden), specialty and reinsurance broking (Howden Re / Howden Specialty), and managing general agency underwriting (DUAL). Its home market is the United Kingdom and the Lloyd's of London subscription market, with lines of business spanning property and casualty, specialty, credit and political risk, marine, cyber, employee benefits, and reinsurance. Howden's API posture is partner-gated and honestly recorded as such: no developer subdomain resolves (developer/developers/docs/api.howdengroup.com all fail DNS) and no /developers, /api or /partners path exists on howdengroup.com. What Howden does operate is real but private broker-to-carrier integration — HowdenCAP's Tepfin X structured credit placement application holds direct bilateral APIs with insurers (Allianz Trade, AXA XL, Mosaic), and in July 2025 Howden went live with ACORD GRLC digital accounting and invoicing standards over ACORD Solutions Group's ADEPT gateway with retail insurer partner Hiscox. None of that surface is self-serve, documented publicly, or accompanied by a downloadable OpenAPI definition. The only public web surfaces are marketing pages and login walls. Howden does publish two real machine-readable web artifacts — an RFC 9116 security.txt at www.howdengroup.com naming security@howdengrp.com, and an llms.txt overview blurb mirrored across the Howden Re and DUAL brands — plus a robots.txt Content-Signal directive permitting AI training, search and AI input use of its public content.

Howden Group is profiled on the APIs.io network. Tagged areas include Insurance, United Kingdom, Brokers, Insurance Broking, and Reinsurance.

Howden Group’s developer surface includes developer portal, engineering blog, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

17.8/100 emerging ▬ flat Agent 5/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Insurance United Kingdom BrokersInsurance BrokingReinsurance Specialty Insurance Managing General Agent Employee Benefits Credit Insurance London Market ACORD Partner Gated

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 17.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.6 / 11

Contract Governance 1.9 / 10

Discoverability 4.9 / 9

Regulatory Posture 5.7 / 15

Agent readiness — 5/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 3 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/howden-group: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Howden Group Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Howden Group Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 4

Authentication, authorization, and security posture

Security

Security

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 5

The organization behind the API

Website

Website

About

About

LinkedIn

Blog

Blog

Careers

Careers

Other 3

Properties that don't map to a standard resource type

CookiePolicy

CookiePolicy

Complaints

Complaints

ContentSignal

ContentSignal

Source (apis.yml)

aid: howden-group
url: https://raw.githubusercontent.com/api-evangelist/howden-group/refs/heads/main/apis.yml
name: Howden Group
kind: company
description: 'Howden Group Holdings is a London-headquartered, employee-owned international insurance intermediary founded
  in 1994, operating across retail insurance broking (Howden), specialty and reinsurance broking (Howden Re / Howden Specialty),
  and managing general agency underwriting (DUAL). Its home market is the United Kingdom and the Lloyd''s of London subscription
  market, with lines of business spanning property and casualty, specialty, credit and political risk, marine, cyber, employee
  benefits, and reinsurance. Howden''s API posture is partner-gated and honestly recorded as such: no developer subdomain
  resolves (developer/developers/docs/api.howdengroup.com all fail DNS) and no /developers, /api or /partners path exists
  on howdengroup.com. What Howden does operate is real but private broker-to-carrier integration — HowdenCAP''s Tepfin X structured
  credit placement application holds direct bilateral APIs with insurers (Allianz Trade, AXA XL, Mosaic), and in July 2025
  Howden went live with ACORD GRLC digital accounting and invoicing standards over ACORD Solutions Group''s ADEPT gateway
  with retail insurer partner Hiscox. None of that surface is self-serve, documented publicly, or accompanied by a downloadable
  OpenAPI definition. The only public web surfaces are marketing pages and login walls. Howden does publish two real machine-readable
  web artifacts — an RFC 9116 security.txt at www.howdengroup.com naming security@howdengrp.com, and an llms.txt overview
  blurb mirrored across the Howden Re and DUAL brands — plus a robots.txt Content-Signal directive permitting AI training,
  search and AI input use of its public content.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- United Kingdom
- Brokers
- Insurance Broking
- Reinsurance
- Specialty Insurance
- Managing General Agent
- Employee Benefits
- Credit Insurance
- London Market
- ACORD
- Partner Gated
tags_raw:
- Insurance
- United Kingdom
- Broker
- Insurance Broking
- Reinsurance
- Specialty Insurance
- Managing General Agent
- Employee Benefits
- Credit Insurance
- London Market
- ACORD
- Partner Gated
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: Website
  url: https://www.howdengroup.com/uk-en
- type: About
  url: https://www.howdengroup.com/uk-en/about-us
- type: Portal
  url: https://parentportal.howdengroup.com/
- type: LinkedIn
  url: https://www.linkedin.com/company/howden-broking-insurance
- type: Blog
  url: https://www.howdengroup.com/uk-en/news-insights
- type: Support
  url: https://www.howdengroup.com/uk-en/contact-us
- type: TermsOfService
  url: https://www.howdengroup.com/howden-terms-and-conditions
- type: PrivacyPolicy
  url: https://www.howdengroup.com/howden-privacy-data-protection-policy
- type: CookiePolicy
  url: https://www.howdengroup.com/cookie-policy
- type: Complaints
  url: https://www.howdengroup.com/complaints-procedure
- type: Careers
  url: https://www.howdengroup.com/uk-en/careers
- type: Security
  url: https://www.howdengroup.com/.well-known/security.txt
- type: SecurityTxt
  url: well-known/howden-group-security.txt
- type: WellKnown
  url: well-known/howden-group-well-known.yml
- type: ContentSignal
  url: well-known/howden-group-robots.txt
- type: LLMsTxt
  url: llms/howden-group-llms.txt
- type: Conformance
  url: conformance/howden-group-conformance.yml
- type: VulnerabilityDisclosure
  url: security/howden-group-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/howden-group-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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