Case study: Protecting ambitious visions – why architects should partner with Howden

Insurance for ambitious projects: why early engagement matters

Architects are often at the heart of ambitious projects - bringing visions to life while managing technical complexity.  But when projects involve high-value works, engineering challenges, and multi-year timelines, insurance becomes a critical part of the process.

This case study illustrates what happened when a Howden client embarked on a particularly ambitious development. In this instance, they needed more than just insurance - they needed a partner who could navigate complexity, manage risk, and deliver certainty.

The project

A client purchased land to design and oversee a development.  The scale and complexity of the works (hundreds of millions across several years) presented significant insurance challenges:

• Structural risks: Specialist engineering assessments were required for some of the design elements.
• Environmental impact: Comprehensive risk assessments were needed to address ecological concerns.
• Information: Insurers needed detailed documentation, including architectural plans, engineering reports, and technical reports.
• Multiple insurers: The project’s size and niche elements meant securing capacity across multiple insurers.

Our approach

One of our experienced Private Client Account Executives, Hayley Jarratt, acted as the central coordinator, working closely with:

• Client stakeholders: Project Managers, Designers, Engineers, Lawyers, and the client’s representatives.
• Underwriting partners: Senior underwriters and technical specialists.

Over the course of a year, we collated detailed information, facilitated meetings, and ensured all parties were satisfied with the risk mitigation measures.

Outcome

Through persistence and expertise, we delivered a bespoke insurance solution that protected the client’s vision and financial investment.

Why architects should speak to us early

Architects are often the first to understand the complexity of a project. By engaging Howden Private Client at the design stage, you can:

• Avoid delays: Insurance requirements can impact timelines if addressed late.
• Protect your client’s investment: We secure cover for high-value works and complex risks.
• Simplify complexity: We manage insurer negotiations and documentation
• Protect your reputation: If something goes wrong and the correct insurance isn’t in place, the client may be liable - negatively impacting their entire experience of the project. Early engagement helps protect both the project and your professional standing.

Key takeaway

When projects push boundaries, insurance isn’t just a box to tick - it’s essential protection. Partnering with Howden early ensures your client’s vision is fully protected from day one.