With a thorough understanding of the insurance requirements of our clients, we are the acknowledged leaders in liability insurance in several markets.

We design products aligned with the needs of our customers. The services offered by us include risk consulting and peer bench marking.We have immense experience in placing and handling global insurance programme and are well versed with laws and regulations worldwide.

Our clients include top international banks, financial institutions, technology companies, engineering firms, life sciences and pharmaceutical companies and automobile manufacturers

Our expertise cuts across financial and casualty lines. The products and solutions offered by us includes:

  • Directors & Officers’ Liability
  • Professional Indemnity / Errors & Omissions
  • Fraud & Commercial Crime
  • Cyber Risks
  • Bankers’ Blanket bonds
  • Clinical Trial Insurance
  • Transactional Insurance (e.g. Public Offering Securities Insurance; Warranty & Indemnity; Tax opinion liability)
  • Public Liability/Commercial General Liability/Product Liability/Product Recall
  • Marine Liability

Our Experts


Vibhaw Kumar

Senior Vice President – Liability & Special Risks


Over 17 years experience in General Insurance and Risk Management Industry. He has experience working as an Insurance Broker for direct and reinsurance business at various insurance broking companies, insurance consultant for many companies of the Tata group of companies, and as Liability insurance underwriter.

He is very well known in the insurance sector having structured some of the liability insurances for the first time in India viz. structuring the first multinational casualty insurance program for large Indian multinational having operations in more than 50 geographic locations across the world, structured the first prospectus liability insurance in India for a large Indian company, structured and placed the D&O and Prospectus liability insurance for a company getting listed in Nasdaq and satisfying its US Legal counsel by structuring very broad insurance covers. He also has experience in structuring and placing project insurance policy of the first barge mounted power project in India.

Vibhaw also has handled varied liability insurance claims, most of them large complex liability claim to the satisfaction of the clients.


Nikhilesh Vithani

Vice President


Nilkhilesh has more than 9 years of experience in General Insurance Industry. Prior to working with Howden, Nikhilesh had worked with Tata AIG General Insurance Company and ICAN Medicare Pvt Ltd. Nikhilesh holds a PGDIMA from Symbiosis Institute of Business Management and B.Com. from Osmania University