Howden has the capacity to place large schedules of property risks. We present creative and aggressive methods in our marketing efforts. We tend to manuscript our marketing efforts dependent on the location of the risks & where support is required.

Below are just a few examples of accounts that have recently, or are close to being, bound:

• A school board program in Texas with a TIV of $12,500,000,000 and annual
  premium in excess of $8,000,000.  The deductible per occurrence is $250,000
  and we provide up to $150,000,000 of coverage.

• An apartment ownership and management company with a schedule of over
  $13,500,000,000.  There is significant exposure in the critical catastrophe areas
  of California, Texas, Florida and New Madrid.  Premium in excess of $8,500,000
  per annum. We place shares on layers up to $150,000,000.

• Texas municipality program covering all of the airports and City properties with a
  TIV of over $9,000,000,000.  The deductible is $2,500,000

• Worldwide pharmaceutical manufacturer with a TIV of $1,500,000,000.
  Also covered is critical catastrophe exposure in the New Madrid states.

• A portfolio of small north east municipalities in one particular state.
  TIV about $2,500,000,000

• A floor plan program for a major car manufacturer spread across the USA with a
TIV of over $3,000,000,000

• A very coastal country club in South Carolina with a TIV of $100,000,000.

The examples provided are all layered structures and we place shares on various layers in Lloyd's Europe and Bermuda.  Often, we co-insure with the domestic markets.  Commonly our programs have large deductibles; therefore, severity of claims is greater than frequency of claims.