Podcasts about Howden

Insurance leaders Brandon Schuh and Nick Hartmann unpack the real impact of AI on insurance operations after Insurify's ChatGPT app triggered a 3.9% drop in the S&P 500 Insurance Index. They separate hype from reality, examining how AI actually enhances productivity versus serving as a scapegoat for strategic workforce reductions. The conversation explores Munich Re's Ergo unit cutting 1,000 positions partly through AI integration, while contrasting this with AIG's ambitious 500,000-submission target using their AIG Assist platform by 2030.Major consolidation continues reshaping the industry landscape with Zurich's £8 billion ($11 billion) acquisition of specialty insurer Beazley following rejected initial bids, and Sompo Holdings' regulatory-approved $3.5 billion purchase of Aspen Insurance. Brandon and Nick also analyze the explosive Brown & Brown versus Howden lawsuit after approximately 200 employees departed during holiday season 2025, revealing tensions around non-compete enforcement and talent mobility in brokerage.Beyond M&A drama, Schuh and Hartman discuss underwriting culture at Lloyd's marketplace where reputation risk follows individual decisions, the legal profession's AI adaptation challenges for entry-level associates, and why operational visibility, not more tools, solves agency productivity problems. They emphasize that AI's greatest value lies in eliminating tedious data analysis so professionals can focus on client relationships and strategic advisory work.Key Takeaways- Insurify's ChatGPT integration caused temporary market panic but represents comparison shopping evolution, not industry disruption- AI productivity gains enable faster policy reviews while freeing teams for high-value client advisory work- Munich Re's Ergo unit (not entire company) plans 1,000 position reductions over five years with AI assistance- Zurich secured Beazley acquisition after multiple rejected bids reached £8 billion valuation- Sompo Holdings (not Sampo) received regulatory approval for $3.5 billion Aspen Insurance acquisition- Howden faces multiple lawsuits after approximately 200 Brown & Brown employees departed simultaneously in December 2025- Lloyd's underwriters carry personal reputation risk with each binding decision in the marketplace- Operational visibility tools like FreeFlow.ai solve agency bottlenecks without replacing producersChapters00:00 Episode introduction and sponsor FreeFlow.ai01:35 Return from hiatus and personal updates06:15 Bourbon tasting and Bob Dylan discussion07:14 Insurify ChatGPT app market impact analysis08:42 AI fears versus realistic productivity gains10:33 Legal profession AI adaptation challenges12:48 Policy review efficiency transformation potential13:07 Munich Re Ergo workforce reduction reality check18:15 Industry consolidation: Zurich/Beazley and Sompo/Aspen deals19:39 Brown & Brown versus Howden employee poaching lawsuit21:38 Underwriting culture and reputation risk at Lloyd's marketplace27:22 Ping An and global insurance employment statistics28:44 AIG Assist platform exceeding submission targets30:50 Two truths and a lie game segment33:42 Closing remarks and next episode previewFact Checks Correction: Sompo Holdings (Japanese insurer), not "Sampo," acquired Aspen Insurance for $3.5 billion with regulatory approval expected H1 2026 Clarification: Munich Re's Ergo primary insurance unit (not entire Munich Re) plans 1,000 position reductions in Germany over five years with AI integration Connect with RiskCellar:Website: https://www.riskcellar.com/Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

DEATHGASM 2 is finally being released and what better way than to invite director Jason Lei Howden back to the podcast. This is our 3rd time with the master of SPLATTER METAL HORROR! Gore Club Podcast is:Steve VessellAce CarrierDeathmetal Dave RobertsRecorded by Kreepy Katie RutherfordBadly Edited by Steve VessellFIND US ON YOUTUBE! FIND US ON FACEBOOK! https://www.youtube.com/playlist?list...facebook at / thelouisvillegoreclub / stevevessell / deathmetaldave / foreversteelmusic provided by Karl Casey Karl@whitebataudio.com

Send a textWith Dan Smith back from his trip to PropTech Connect in Dubai (and nearly staying until 6th March - full story in episode!), we get the lowdown on the event as well as discussing:- Immersive sales tools, do they boost conversion or are they are waste of money?- The negative outcomes of rent controls; why the 'missing middle' can't be solved by slogans- The Student Loan Scandal - implications on rented living in the future.Announcing our new website - www.housedpodcast.comStay up to date on Housed podcast via its LinkedIn page Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com -  Reach thousands of students searching every month with 0% commission student accommodation listings.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast. This was a jointly sponsored podcast. 

Professor Sarah Perkins-Kirpatrick and Professor Mark Howden (pictured) were at the Australian National University's Climate Update 2026.Professor Perkins-Kirkpatrick was the keynote speaker. The event, which had the subtitle "Adaptation from soil to stars", helped people understand why, in 2025, Australia experienced simultaneous flooding in the north and drought in the south. Promoting the event, the university said: "As we travel further from the historical bounds of the Earth's natural systems, climate-fueled disasters are increasingly the new normal. "While still carrying the load of mitigation, Australia must now also plan for a changed climate. Our future policy direction is already being laid down, with the release of the first National Climate Risk Assessment and National Adaptation Plan last year".

Send us a textIn this week's episode we are are dissecting the Rental Living Salary Guide 2026 from deverellsmith and SAY Property Consultants and asking;- How do operators balance the want for flexible working with operating buildings?- Are the operational demands and responsibilities reflective in job titles and salaries?- And is the sector making it clear what progression and career opportunities there are?There's also discussions on:- The confusing messages about BTR - is it thriving or failing?- Should we be adding gross PBSA rooms or replacing old with new to have a net amount of PBSA but better quality (without increasing the rent)?Plus on a slightly more positive note, Sarah Canning tell us why she was buzzing after her visit to the experimental social wellness space &Soul in Shoreditch.Stay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com -  Reach thousands of students searching every month with 0% commission student accommodation listings.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast. This was a jointly sponsored podcast. 

Send us a textChina is one of the most misunderstood markets for student housing, BTR,  universities and the wider rental living sectors - we wanted to bust some of the myths surrounding this market and, in true Housed style, dig deeper and get some practical takeaways to share with the sector. We learnt so much from this conversation with Sam Rason, CEO of VIVA - Mini Programs and Gabriel Nicklin, Managing Partner of TONG Global and are pretty sure our listeners will feel the same. This episode covers:- Why China is different?- WeChat, platforms and direct engagement- Marketplaces and the 'convenience trap'- Diversifying your marketing mix- How to practically build a direct China strategy- What the future looks like for this sector A big thanks to Sam and Gabriel for joining us, we felt that we only just scratched the surface of this topic - if you do have any further questions please get in touch with Sam or Gabriel directly.And if there any other hot topics you would like us to cover on Housed - please do get in touch.Stay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com -  Reach thousands of students searching every month with 0% commission student accommodation listings.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast. This was a jointly sponsored podcast. 

Our sister publication Reinsurance News spoke with David Flandro, Managing Director, Head of Industry Analysis and Strategic Advisory at Howden Re, just weeks after the reinsurance broker released its comprehensive January 1st, 2026, renewal report. During the interview, Flandro discussed the opportunities and risks that could emerge from what Howden Re describes as a period of re-balancing, highlighting the important focus on geopolitics and macroeconomics as these trends are a big part of what's happening in the commercial insurance and reinsurance market. As geopolitical and macroeconomic trends reshape an increasingly risky world, and reinsurance pricing comes off of its peak in numerous lines of business, there's a clear need for rationality, with plenty of opportunity for underwriters to continue to achieve profitable growth, according to Flandro. Listen to this full interview with Flandro of Howden Re, as he discusses reinsurance market conditions in 2026 and how use of capital within reinsurance has changed.

In this episode of The Responsive Lab, Carly Berna and Scott Holthaus sit down with Sonja Schappert Howden, Chief Impact Officer at Seed Impact, to unpack what meaningful impact really looks like and how fundraisers can communicate it in ways donors understand and trust. Drawing from more than two decades of experience in faith-based nonprofits, Sonja explains why outputs are only the starting point, how outcomes reveal personal change, and why true impact often happens outside your organization's walls. She introduces the SEED Competency Ladders, a framework grounded in being, doing, and relating, and shows how this approach helps fundraisers tell more human, donor-centered impact stories. You'll also hear why impact is not linear, why collaborative measurement matters more than ever, and how removing jargon can help donors connect emotionally before they ever engage intellectually. Links from the episode: • Learn more about Seed Impact at https://www.seedimpact.org/ • Email Sonja at sonja@seedimpact.org Free impact report reviews available for a limited time here: https://www.seedimpact.org/impact-report-review/January-26th-Impact-Report-Review-p801608951

Send us a textWe recorded this week's episode of Housed at Distorted podcast studio.Listen to hear our views and thoughts on some of the latest news from the world of shared living and more importantly to find out whether Dan Smith actually read this week's show notes...??Here's what we are discussing:- How do we design rental homes that people can actually afford to love? We dig into Unite's decision to defer two major schemes, and why we think this is a positive move in the right direction.- Is this Build to Rents 'time to shine'? Why Build to Rent still has an upside if operators pivot from flashy amenities to daily utility. - We question studio-heavy schemes and we think they breed transience. Mix it up: larger studios, shared apartments, layouts that support longer stays and real community.- We break down Ireland's rental reforms - rent caps may feel appealing, but they risk choking supply at a time when housing shortages are acute. Why The UK's Renters' Rights Act could learn from this cautionary tale.You can also watch this episode on YouTube: https://youtu.be/mcSWsTvBQ2EStay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI Good Management.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com -  Reach thousands of students searching every month with 0% commission student accommodation listings.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast.

How do you turn three people and a dog into a 23,000-strong global business? For David Howden, Founder and Group CEO of Howden, the answer begins not in a boardroom but in childhood adversity. David lost his father aged seven and watched his family lose their home overnight - a moment that forged lifelong resilience and a hunger to build something of his own.That experience would power a career in insurance defined by imagination, not paperwork. David explains how he came to see insurance not as a grudge purchase, but as the oil in the engine - or, in his words, the Tesla battery - that enables societies, businesses and individuals to take risks, innovate and grow. Today Howden operates in 56 countries, fuelled by a culture that has employee ownership at the heart of it, puts people first, and which welcomes mistakes as lessons rather than failures.From empowering teams to build their own businesses to shaping grassroots change through ambitious partnerships across rugby, equine sports and Emirates GBR in SailGP. David talks culture, leadership, risk, global growth and why being the underdog matters. This is the story of an entrepreneur building a business to be proud of, and inviting others to build it with him.________________________________The Performance People podcast, in partnership with J.P. Morgan Private Bank, talks to high-performers in the world of sport and beyond, to bring defining moments, hard-earned insights and expert advice to everyday performance. New episodes every Tuesday.ainslie + ainslie NIGHT POWDER, winner of Best Sleep Supplement in the GQ Sleep Awards 2025.We love performance, which is why we've launched ainslie + ainslie – the first supplement brand to be developed inside elite sport. Now available for everyone. Find out more at www.ainslieainslie.com________________________________Connect with Performance PeopleHit subscribe today for the latest.

Send us a textIn this episode, Sarah Canning, Deenie Lee and Dan Smith look ahead to what 2026 will really mean for shared living — across PBSA, Build to Rent, co-living, university accommodation and later living.We are sharing our predictions for this year:- Where PBSA is likely to feel pressure — and where it will thrive- How BTR continues to evolve as a mainstream rental product- Why co-living's growth will be quieter, but more meaningful- What ongoing financial stress in higher education means for university accommodation- Why rented later living remains one of the biggest long-term opportunities in housingStay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI Good Management.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com -  Reach thousands of students searching every month with 0% commission student accommodation listings.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.And our brand new sponsor:Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast.

In this episode, Trey and Micah talk with Brandon Schuh, a multi-million dollar producer in the product liability space.Brandon shares his unique insight into the Howden vs. Brown & Brown drama as an ex-Hays Cos producer, and it's implications for brokerage valuations, and the future of non-solicit agreements in the commercial insurance industry.The conversation also covers the importance of building relationships, the challenges faced by new producers, and how to structure successful teams....

Send us a textAt the start of 2025, we made some bold predictions about what the year would bring for shared living, student accommodation, renting, and higher education.Now the year is behind us — so it's time to look back.In this episode, Sarah Canning, Deenie Lee and Dan Smith revisit our 2025 predictions:- what really happened with the Renters' Rights Act- whether the government made progress on its 1.5 million homes pledge- how badly universities were affected by financial pressure and redundancies- whether affordability improved (or not) across renting and student accommodation- and what international student demand actually looked like in 2025.Stay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI Good Management.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:Mystudenthalls.com - Find your ideal student accommodation across the UK.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.And our brand new sponsor:Howden  - With a lifetime of expertise, Howden provides tailored insurance, property risk management, and wellbeing solutions for accommodation providers across the UK.The views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast.

Most of the time most of the people working in insurance and reinsurance are way too busy doing their jobs to stop and think and engage with the big ideas that are driving the markets they operate in. One of the great luxuries of being a journalist is that it is our day job to talk to the people with the big ideas and report back to you. And these days with the podcast medium you get to be right in the room with me when I talk to those people and you can hear and learn for yourself first hand. This 1st January reinsurance renewal pricing fell sharply: that's interesting in itself, but it's far more interesting to be able to talk to someone whose job it is to work out what made that happen and what this means for the rest of the year and beyond. We can all see when it has rained but it's far more useful to know what forces are driving the weather and get some idea of whether we need to pack umbrellas for the morning commute tomorrow. David Flandro is the Head of Industry Analysis and Strategic Advisory at Howden Re. To put it simply he is one of the smartest people in our business and his job is to analyse and think hard about our sector and tell us and his clients what he sees. And if you've heard him on the podcast before you'll already know that he's also great fun to spend time with. Howden Re have an excellent 1.1 Renewal report out – it's called Re-balancing. There's a link to the report in the notes below. I recommend you stop and download it now and give it quick read. Then come back and listen to the podcast and then re-read the report. It's really comprehensive and will prime you for the year ahead in globally important topics, way broader than just insurance and reinsurance. If your New Year's Resolution was to learn more about how the industry you work in really works and how it really fits in with the global economy then this one is for you. LINKS: Howden Re's Re-Balancing report can be found here: https://www.howdengroupholdings.com/sites/default/files/2025-12/howden-re-balancing-2026-FINAL.pdf A shout out should also go the report authors, Julian Alovisi and Peter Evans. We thank our naming sponsor AdvantageGo: https://www.advantagego.com

This episode of RiskCellar features a deep dive into the psychology behind jury decisions, covering why verdicts have surged 116% in just one year, alongside a breakdown of the shocking 200-person overnight raid by Howden on Brown & Brown's Minneapolis operations.Host Brandon Schuh and co-host Nick Hartmann examine the litigation chaos while interviewing Christina Marinakis, CEO of Verdict Insight Partners, who reveals how jury composition has fundamentally shifted toward anti-corporate sentiment, particularly among millennial jurors. The conversation exposes the data-driven science of jury selection, the rise of polarized deliberation rooms, and what defense counsel must understand about modern juror psychology in an era where median verdicts have jumped from $21 million to $51 million in just four years.Chapters00:00 - Introduction05:00 - The Howden Raid Breakdown: Brown & Brown Story 14:00 - Hayes Companies History & $750M Acquisition Details 15:00 - Jim Hayes' Journey & Relationship with Howden 18:00 - Minneapolis Benefits Exodus & Covenants Discussion 22:00 - Court Victory & Temporary Restraining Order 25:00 - Settlement Values & Account Damages 28:00 - Howden's Strategy Backfire & Client Relationships 35:00 - Guest Introduction: Christina Marinakis 36:00 - Jury Consultant Background & Gene Hackman Comparison 40:00 - Mock Trials vs. Real Trials & Shadow Juries 45:00 - Verdict Inflation Trends: $21M to $51M in Four Years 50:00 - Locus of Control: Core Predictor of Juror Bias 58:00 - Anti-Corporate Millennial Generation & COVID Impact Takeaways1. Nuclear Verdicts Are Accelerating: 135 nuclear verdicts ($10M+) in 2024 represent a 52% increase over 2023, with the median verdict jumping to $51 million from $21 million in 2020, driven by advertising, social media anchoring, and third-party litigation funding.2. Locus of Control Is the Strongest Predictor: The most reliable indicator of a plaintiff vs. defense juror is internal vs. external locus of control, whether jurors believe individuals or external factors determine outcomes, more predictive than demographics or experience.3. Millennials Are the Anti-Corporate Generation: Millennials experiencing economic hardship (home ownership, debt) and exposed to corporate scandals (Enron, Wells Fargo) now dominate juries with significantly higher anti-corporate bias than prior generations.4. COVID Destroyed Government Credibility Defense: Pre-COVID, "FDA/EPA approved" arguments worked; post-COVID, jurors distrust government agencies and dismiss regulatory compliance as a defense strategy due to shifting messaging around masks, vaccines, and guidance.5. Jury Polarization Is Creating Contentious Deliberation Rooms: Hung juries increased from 2-3 annually (pre-2022) to 12 in 2022 alone, with escalating incidents of jurors being excused due to verbal conflict, reflecting broader societal polarization bleeding into the jury box.Connect with RiskCellar:Website: https://www.riskcellar.com/Christina MarinakisCEO, Verdict Insight PartnersEmail: christina.marinakis@verdictinsight.comWebsite: verdictinsight.com LinkedIn: https://www.linkedin.com/in/christina-marinakis-18328410Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Brandon Schuh sits down with Dean Hildebrandt, President and CEO of Assurex Global, to explore how mega-broker consolidation is reshaping the insurance brokerage landscape. As consolidation accelerates in 2025, with mega-brokers absorbing smaller firms through billion-dollar acquisitions, including Willis Towers Watson's $1.3 billion purchase of Newfront and Baldwin Group's $1 billion acquisition of CAC Group, the conversation reveals how private equity is driving transactions that, while profitable for financial sponsors, leave clients, carriers, and employees bearing the costs. Dean brings two decades of expertise from his leadership at Associated Benefits and Risk Consulting and his pivotal role at Ahmann-Martin before joining Assurex.Dean challenges the prevailing narrative around these mega-deals, arguing that the real winners aren't clients or carriers but private equity firms extracting value through EBITDA portfolio plays. Throughout the episode, he details how consolidation is accelerating talent acquisitions and market share gains for independent, regionally-focused brokers like those in the Assurex network, firms that prioritize relationships, client service, and stability over spreadsheet metrics. The discussion also highlights Assurex's structural innovation: the launch of AG London, a first-of-its-kind London wholesale broker owned by 30 Assurex firms that operates under perpetual independence and cannot be acquired or sold.As the industry looks ahead to 2026-2027, Dean and Brandon examine how technology and AI will reshape brokerage operations while emphasizing that true competitive advantage lies in understanding the full value chain. The episode underscores a fundamental tension in modern insurance. Whether consolidation will create better client outcomes or simply enrich financial sponsors while destabilizing the very firms and relationships that hold the industry together. For independent brokers navigating this landscape, the conversation offers both cautionary lessons and a compelling vision of an alternative future.Chapters02:30 – Wine recommendations and AI tool comparisons07:00 – Introduction to Dean Hildebrandt and his background10:00 – Dean's entry into brokerage and early career with Ahmann-Martin14:00 – Overview of 2025 consolidation trends and mega-broker activity16:30 – Willis Towers Watson acquires Newfront for $1.3 billion19:00 – Baldwin Group purchases CAC Group for $1 billion22:00 – Private equity's role in driving M&A transactions26:00 – How consolidation impacts clients, carriers, and employees31:00 – The absence of client perspective in private equity discussions35:00 – Deal sizing and EBITDA economics in mega-acquisitions39:00 – Why independent brokers are thriving amid consolidation42:00 – Introduction to Howden's US market entry strategy46:00 – Assurex's strategic response: AG London launch and structure51:00 – Dean's journey to Assurex Global leadership54:00 – Technology, AI, and automation in brokerage operations58:00 – How carriers are adapting to industry transformation61:00 – Conclusion and future outlook for independent brokerageConnect with RiskCellar:Website: https://www.riskcellar.com/Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/ Dean Hildebrandt - President & CEO, Assurex GlobalWebsite: https://www.assurexglobal.com/LinkedIn: https://www.linkedin.com/in/dean-hildebrandt-09810baAbout Assurex Global:Founded in 1954, Assurex Global is the world's largest privately held commercial insurance, risk management, and employee benefits brokerage group, combining local expertise with global reach across more than 600 partner office

In this episode of Last Week in Insurance, Trey and Micah break down what's actually happening in the insurance world without boring you to tears.We're diving into the M&A feeding frenzy (including some hostile takeovers that got spicy), why commercial insurance pricing is finally acting normal again, California's latest regulatory drama, and OSHA deciding they're done playing nice with enforcement.If you're a producer who wants to sound smart at the next agency meeting or just needs to know what's coming so you're not blindsided—this is for you. The industry moves fast. We help you keep up without the boring parts.

What were the defining moments that shaped the insurance market in 2025? In a bonus episode of Behind the Headlines, Insurance Insider's Editor at Large Adam McNestrie provides his unparallelled insight into what he sees as the key developments influencing the sector. The changing of the guard at Lloyd's, Howden's ambitious launch into the US market, and a breakneck cycle of carrier M&A transactions are all on the agenda. Tune in to hear the perspective of a journalist who has occupied a front row seat breaking news on all of these subjects. 

RiskCellar is back with episode 70, marking a major milestone for hosts Brandon Schuh and Nick Hartmann as they dive into the most pressing insurance broker consolidation trends shaping 2025. The episode kicks off with major industry news on the Baldwin and CAC merger, a billion-dollar deal that reflects ongoing consolidation in the insurance brokerage space. While the acquisition comes in smaller than recent mega-deals, the merger creates what Baldwin calls the largest majority colleague-owned publicly traded insurance broker, signaling continued market consolidation and M&A activity that benefits independent brokers.The hosts explore critical developments in insurance technology and autonomous vehicle safety, including Tesla's recent sensor and camera upgrades designed to improve their self-driving system performance in challenging conditions. The conversation reveals how insurance industry players are monitoring autonomous vehicle advancements, telematics driver monitoring programs, and commercial auto liability trends, including the growing use of cameras and driver scoring to reduce claims. They also discuss the implications of unlimited liability insurance in the UK market and significant pricing differences in Canadian insurance, where casualty risk pricing can be 40% lower than US market rates.A major highlight involves the Rad Power bike battery recall and CPSC safety concerns, where the federal agency issued a unilateral opinion declaring all RAD batteries defective without conducting independent testing. The hosts debate the fairness of this regulatory action, noting that Rad Power faces potential bankruptcy from a million-unit recall despite only 31 documented incidents causing $750,000 in cumulative damage. The episode also covers Lloyd's of London CEO John Neal's resignation following an inappropriate workplace relationship scandal, insurance industry news on Ryan Specialty's new public sector MGU launch, Howden's aggressive hiring expansion, and a playful segment on insurance truths and lies featuring alien abduction coverage.Tesla's autonomous vehicle technology still lacks adequate camera systems compared to competitors like Waymo, delaying full self-driving capabilityTelematics and driver monitoring are becoming essential risk management tools for commercial auto liability, despite employee privacy concernsCPSC regulatory actions can devastate companies without scientific testing, raising questions about fairness and due process in product safety decisionsInternational insurance markets show dramatic pricing variations, with Canadian and UK markets offering 02:00 Thanksgiving Turkey Cooking Methods & Holiday Stories 03:30 Episode Celebration & Drinking Toast 04:35 Baldwin & CAC Merger: $1B Insurance Broker Consolidation 09:25 Ryan Specialty's Public Sector MGU Launch10:00 Public Sector Insurance Competition & School Bidding Challenges 11:15 Canadian Insurance Market & International Pricing Differences 14:15 Tesla Autonomous Vehicle Camera Upgrade Challenges 16:00 Chevrolet Diesel Truck & Frank Cruz Shout Out 16:30 Howden Hiring Expansion & Legal Costs Impact 8:50 John Neal Lloyd's CEO Scandal & AIG Withdrawal 21:40 New Zealand Kiwi Cultural Reference & Gender Diversity in Insurance 23:25 Rad Power Battery Recall & CPSC Regulatory Overreach 26:00 Battery Incident Statistics & Scientific Method Concerns 28:15 Dog Interruption & Personal Stories29:10 Don Julio Tequila & Podcast Memorabilia 31:30 Alien Abduction Coverage Predictions for 2026 32:50 Recall of the Week: Ozark Trail Camping Stove 35:25 Upcoming Guests & Litigation Funding Panel Discussion Connect with RiskCellar:Website: https://www.riskcellar.com/Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Jim Stemke / DSP Recordings email Start Name Artist Album Year Comments   Thou Swell Mark Herman ATOS 2025 Milwaukee Highlights 1 2025 3-12 Wurlitzer, Ryan Jonas Residence, Elkhorn, WI; 2025-07-21 3:43 There Will Never Be Another You Simon Gledhill ATOS 2025 Milwaukee Highlights 1 2025 5-80 Wurlitzer, Sanfilippo Residence, Barrington Hills, IL; 2025-07-21 7:41 A Nightingale Sang In Berkeley Square Ben Forsthoffer ATOS 2025 Milwaukee Highlights 2 2025 3-14 Barton, Capitol Theatre (Overture Center), Madison, WI; 2025-07-24 14:09 Cool Tango Donnie Rankin ATOS 2025 Milwaukee Highlights 2 2025 4-90 Wurlitzer, Carma Labs, Franklin, WI; 2025-07-26 18:09 Mele Kalikimaka Aaron Hawthorne The Most Wurlitzer Time of the Year [NETOA CDHLW1008] From NETOA             From COS 2024 3-19 Wurlitzer, New Victoria Centre, Howden le Wear; ex New Victoria/Gaumont/Odeon Bradford 21:53 Carol of the Bells Aaron Hawthorne, Rock Choir The Most Wurlitzer Time of the Year [NETOA CDHLW1008] From NETOA             From COS 2024 3-19 Wurlitzer, New Victoria Centre, Howden le Wear; ex New Victoria/Gaumont/Odeon Bradford 24:10 The Easy Winners Dave Wickerham Dave Wickerham UK Tour March 2025 2025 3-11 Compton plus Melotone, Fentham Hall, Hampton-in-Arden, Solihull; ex Tower Cinema, West Bromwich (1935) 28:52 Love Is Blue Walt Strony ATOS 2023 Chicago Highlights 1 2023 4-21 Hybrid, St. Mary of the Lake Seminary, Mundelein, IL; opening concert 2023-07-03 32:43 Tiger Rag Richard Hills ATOS 2023 Chicago Highlights 2 2023 5-80 Wurlitzer, Sanfilippo Residence, Barrington Hills, IL; Preglow 2023-07-02 37:40 Blue Chimes John Muri The Legendary Theatre Organists of Chicago [DSP 1911] 1969 3-10 Wurlitzer, Indiana Theatre, East Chicago, IL 41:44 War March of the Priests Tom Hazleton From Bach to Runway [DSP 2001] 1994 4-28 Wurlitzer, Shea's Theatre, Buffalo, NY 47:50 How High The Moon John Seng Seng Rediscovered [HP3001] 1967 4-19 Howell-Wurlitzer, St. Mary of the Lake Seminary, Mundelein, IL 53:56 Times Square Boogie George Wright King George [Banda CD 201803] 1950 4-36 Wurlitzer, Paramount Theatre, New York, NY 57:03 The Vamp George Wright Live In Concert - Portland Organ Grinder, 1976 [Banda 201802] 1976 4-41 Wurlitzer, Organ Grinder Pizza, Portland, OR; console ex-Metropolitan Theatre, Boston; concert November 20, 1976

In this episode of the PANDAS Foundation Podcast, Charlotte Howden, CEO of Pregnancy Sickness Support, shares her personal journey through hyperemesis gravidarum (HG): a severe and often misunderstood condition causing extreme sickness during pregnancy.Charlotte tells us about her own harrowing experience with HG, the struggle to be taken seriously by healthcare professionals, and how her journey led her to dedicate her career to helping others facing the same battle. Sally and Charlotte discuss the vital link between HG and perinatal mental health, the groundbreaking research that's finally shedding light on the causes of HG, and the life-saving work her charity is doing to support sufferers and their families.They also touch on the stigma and misinformation surrounding pregnancy sickness, the devastating impact of being dismissed by medical professionals, and the importance of early intervention and compassionate care.Trigger Warning: This podcast series may and will include, from time to time, themes of the entire spectrum of mental illness. Themes may include suicide, baby loss, self -harm, domestic violence and upsetting topics. If you urgently need help, if you're in mental health crisis, please call the Samaritans on 116 123. Or the emergency services via 111 or 999.Please note, you should always follow your GP or health practitioner's guidance for anything medically associated from conception onwards. The PANDAS Foundation does not advise on any medication. https://pandasfoundation.org.ukContact PANDAS WhatsApp for support on 07903 508334 every day between 8am - 10pmSamaritans 116 123US: Postpartum Support International 1-800-944-4773 Hosted on Acast. See acast.com/privacy for more information.

Steve Patterson joins Bob to analyze a recent interview of Curtis Yarvin, in which he favorably discusses Mises' views on money and banking.Mentioned in the Episode and Other Links of Interest:The YouTube version of this episode.Yarvin on the Peter McCormack show.Bob's prior critique of Yarvis on libertarianism and finance.Bagus and Howden responding to Block and Barnett on maturity mismatching.Steve Patterson on three paradoxes in mathematics.Help support the Bob Murphy Show.

Welcome to a really exciting re-encounter with someone who has been out of our industry for some years but is now back with a highly original new proposition. In my line of work I get to see an awful lot of new insurance ideas and so it takes a lot to fire up my imagination. And when I talk to people on this podcast about those new ideas – often the new product niche or service they are looking at might have a total addressable market of a few billion dollars. But today our guest has something that is applicable to the entire multi-trillion dollar capital base of the global P&C insurance industry. Andre Finn is the Chief Strategy Officer of Intellegri, a business looking to apply advanced mathematical and computational techniques to capital modelling. Now if that sounds a bit dry at first, please bear with me. At present our industry holds large amounts of excess capital to cover possible adverse development in reserves, based around wide probability ranges around what our tail risk is. If we could narrow that range down, even a tiny amount, we could release large amounts of capital, which would improve our returns and make our sector much more attractive to investors. But since this technology can also model scenarios to high new levels of detail and accuracy, it could also be applied to creating entirely new insurance products to cover perils that are currently uninsurable. Any surplus capital could then be applied to these new products and we could expand the insurance market, again making our sector far more attractive overall. The possibilities are genuinely exciting. I promise you that this is not going to be a maths podcast. Andre is authentic and incredibly down to earth and focused on the practical delivery of something new and genuinely revolutionary. Andre was also the founder and CEO of another advanced modelling and analytics firm called Sciemus for almost 15 years from 2001 and so has long industry experience, and possibly a few scars and lessons learned to show for it. Back then the insurtech phenomenon hadn't yet come into being, so sitting here in 2025 the timing would appear to be far better than it was back after the turn of the millennium. NOTES: Highly recommended further reading on Intellegri is to be found here: https://www.intellegri.com/ Andre rightly thanked Howden for the use of their London office for this recording. He also mentioned former collaborator Henry Sopher  LINKS: We thank our naming sponsor AdvantageGo: https://www.advantagego.com

Vital need for insurance to bridge the region’s ‘protection gap’ and drive the green transition. Synopsis: Every first and third Tuesday of the month, The Straits Times analyses the beat of the changing environment, from biodiversity conservation to climate change. Insurance is a safety net and is increasingly vital as climate change risks grow and as more people, homes and businesses are in the path of disaster. But in South-east Asia, the majority of people do not have access to insurance. And the region is facing worsening threats from floods, sea-level rise and heat stress. Only 5 to 7 per cent of all climate-related losses are insured in South-east Asia, says Mr Daniel Fairweather, head of food security systems and biodiversity at Howden, an insurance broking firm. But there is plenty of hope to bridge this “protection gap”, he tells Green Pulse podcast hosts Audrey Tan and David Fogarty. There are insurance products that can help communities when disaster strikes by rapidly releasing cash payments to meet emergency needs. Mutualised insurance risk pools that combine premiums can also pay out in times of need. Two things are key: Insurers need to work closely with governments and businesses to better assess climate risks and vulnerabilities. Secondly, spread the financial risk by building connections across the region, such as linking up local and national insurance mechanisms, such as risk pools. “Every risk is insurable,” Mr Fairweather says, adding that insurance coverage is also critical to accelerate green investments in the region. Have a listen, and let us know what you think! Highlights of conversation (click/tap above): 1:04 What are some of South-east Asia’s top climate change risks? 4:51 Will insurance losses increase mainly because of climate change or for other reasons, too? 9:10 What are some of the insurance products that can protect communities in the region? 16:06 In some places in the US, insurance coverage has been withdrawn. What’s the reason for this? 24:28 What about the role of insurance in boosting green initiatives in South-east Asia. Is it a catalyst? 28:28 Can the insurance industry thrive despite the rapid march of climate change? Follow Audrey Tan on LinkedIn: https://str.sg/848W Read her articles: https://str.sg/JLM2 Follow David Fogarty on LinkedIn: https://str.sg/jcvy Read his articles: https://str.sg/JLMu Hosts: Audrey Tan (audreyt@sph.com.sg) & David Fogarty (dfogarty@sph.com.sg) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow Green Pulse Podcast here and get notified for new episode drops: Channel: https://str.sg/JWaf Apple Podcasts: https://str.sg/JWaY Spotify: https://str.sg/JWag Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #greenpulseSee omnystudio.com/listener for privacy information.

Vital need for insurance to bridge the region’s ‘protection gap’ and drive the green transition. Synopsis: Every first and third Tuesday of the month, The Straits Times analyses the beat of the changing environment, from biodiversity conservation to climate change. Insurance is a safety net and is increasingly vital as climate change risks grow and as more people, homes and businesses are in the path of disaster. But in South-east Asia, the majority of people do not have access to insurance. And the region is facing worsening threats from floods, sea-level rise and heat stress. Only 5 to 7 per cent of all climate-related losses are insured in South-east Asia, says Mr Daniel Fairweather, head of food security systems and biodiversity at Howden, an insurance broking firm. But there is plenty of hope to bridge this “protection gap”, he tells Green Pulse podcast hosts Audrey Tan and David Fogarty. There are insurance products that can help communities when disaster strikes by rapidly releasing cash payments to meet emergency needs. Mutualised insurance risk pools that combine premiums can also pay out in times of need. Two things are key: Insurers need to work closely with governments and businesses to better assess climate risks and vulnerabilities. Secondly, spread the financial risk by building connections across the region, such as linking up local and national insurance mechanisms, such as risk pools. “Every risk is insurable,” Mr Fairweather says, adding that insurance coverage is also critical to accelerate green investments in the region. Have a listen, and let us know what you think! Highlights of conversation (click/tap above): 1:04 What are some of South-east Asia’s top climate change risks? 4:51 Will insurance losses increase mainly because of climate change or for other reasons, too? 9:10 What are some of the insurance products that can protect communities in the region? 16:06 In some places in the US, insurance coverage has been withdrawn. What’s the reason for this? 24:28 What about the role of insurance in boosting green initiatives in South-east Asia. Is it a catalyst? 28:28 Can the insurance industry thrive despite the rapid march of climate change? Follow Audrey Tan on LinkedIn: https://str.sg/848W Read her articles: https://str.sg/JLM2 Follow David Fogarty on LinkedIn: https://str.sg/jcvy Read his articles: https://str.sg/JLMu Hosts: Audrey Tan (audreyt@sph.com.sg) & David Fogarty (dfogarty@sph.com.sg) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow Green Pulse Podcast here and get notified for new episode drops: Channel: https://str.sg/JWaf Apple Podcasts: https://str.sg/JWaY Spotify: https://str.sg/JWag Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #greenpulseSee omnystudio.com/listener for privacy information.

Todays' Episode was a joy to make. It was a face-to-face meeting that crackled from the moment my interviewee walked through the door and shook my hand all the way through to a swift exit to a pressing engagement. As I was tidying cables and packing away my microphones into their case, I already knew this was going to be a really strong Episode. Now that I've had a listen back for the final run-through I know it to be the case. They say the best leaders embody their businesses and if that is true Howden Re should be absolutely buzzing along because this encounter with that business's CEO Tim Ronda highlights someone bursting with confidence, smarts, charisma, energy and something else that we don't see so often – genuine happiness. Tim is clearly enjoying himself in his role. The podcast covers all the issues of the day in the reinsurance market and quite a lot more besides. Discussions about M&A, Casualty, AI and even the competitive reinsurance broking landscape all make an appearance. Also, despite running a reinsurance broker that has reached such a size and scale that it can no longer be referred to as a challenger and is still growing at pace, Tim doesn't tend to engage that regularly with the media. Given what you are about to hear, I think that's probably a mistake but I ‘m also grateful that Tim has given The Voice of Insurance an outsized allocation of his rare press time. As the nights draw in I can highly recommend this episode as a warming and energising tonic. It'll bring you right up to date, put a smile on your face and a spring in your step. LINKS: We thank our naming sponsor AdvantageGo: https://www.advantagego.com

If you're a business owner, there's one acronym you need to know: SBA. The Small Business Administration is your gateway to funding, growth, and opportunity. In this episode, we sit down with our very own Brett Howden, Director of Credit, SBA at Provide, a division of Fifth Third Bank. He's a pro at connecting entrepreneurs with the right financial products to level up their businesses. We'll cover: How SBA loans stack up against conventional loans The SBA programs that could fuel growth Who qualifies — and what it takes to get approved How to decide if an SBA loan is the right move for your business Are you ready to take control of your future and start building your legacy? Visit⁠⁠⁠⁠⁠⁠ ⁠getprovide.com⁠⁠⁠⁠⁠⁠⁠. Provide is a division of Fifth Third Bank, National Association. All opinions expressed by the participant are solely their current opinions and do not reflect the opinions of Provide, its affiliates, or Fifth Third Bank. The participant's opinions are based on information they consider reliable, but neither Provide, its affiliates nor Fifth Third Bank warrant its completeness or accuracy and should not be relied upon as such. This content is for informational purposes and does not constitute the rendering of legal, accounting, tax, or investment advice, or other professional services by Provide or any of its affiliates. Please consult with appropriate professionals related to your individual circumstances. All lending is subject to review and approval.

Saints safety Jordan Howden joined sideline reporter Jeff Nowak after New Orleans' 26-14 victory over the Giants.

Saints safety Jordan Howden joined sideline reporter Jeff Nowak after New Orleans' 26-14 victory over the Giants.

Oliver Kade, Chief Technology Officer and UK Country Manager at Seven Clean Seas, joins Ashurst’s Lorraine Johnston to share how the organisation is addressing plastic pollution through a powerful mix of innovation, systems change, and strategic partnerships. Oliver breaks down the core pillars of Seven Clean Seas’ work, from removing plastic waste from rivers and coastlines across Southeast Asia, to advancing national-level policy, to improving lives in vulnerable communities. Together, Lorraine and Oliver explore how corporate sponsorships (such as with Howden), technological tools (including AI tracking and chemical recycling), and Extended Producer Responsibility frameworks are helping to bridge the funding gap that has long undermined waste management. Essential to the discussion is understanding why local socioeconomic dynamics is essential for effective sustainability solutions, and how Seven Clean Seas’ “lives improved” methodology guides their community empowerment work spanning education, health, infrastructure, and income generation. Listen to more episodes in the Game Changers mini-series – featuring an array of thought-provoking guests – by subscribing to ESG Matters @ Ashurst on Apple Podcasts, Spotify or wherever you get your podcasts.See omnystudio.com/listener for privacy information.

eKartingNews turns 25, and what better way to celebrate then putting together a LIVE show. The Happy Hour with Howden is BACK! One of the original podcast shows that began back in 2005 returns to hit the livestream platform for the first time. Rob Howden hosts with producer David Cole, as they talk about the past 25 years of history in the sport and with the EKN as ‘hub of karting on the internet'. They welcome a few special guest during a fun, relaxed show to rejoice EKN 25.

Iterating has become the business norm—but project teams are struggling to keep up with the relentless pace of change. How can change management professionals and project leaders help? We discuss this with: Sharon Casey, director, change management, Adobe, Austin, Texas, USA: Casey discusses how the persistent pace of change is affecting project teams and contributes to change fatigue. She also explains how change practitioners can support project professionals and teams going through change—sharing how her team's “service tiers” offer assistance—and ways to ensure project teams and senior stakeholders buy into change initiatives. Plus, how artificial intelligence is helping leaders at Adobe learn to better manage change.  Senkodi Murugesan, CPMAI, PMP, previously a project manager at Howden, a Chart Industries company, Chennai, India: Murugesan discusses how change has evolved through his career, how to find opportunities amid sudden change on a project, and he shares an example of how he led teams through a major tech change. He also explains why an agile mindset is crucial when it comes to leading project teams through change.Key themes[02:08] How the increasing pace of change affects teams[04:02] Building buy-in for change—and avoiding burnout[09:16] How Adobe change practitioners support teams during change[11:18] Using AI to assist project leaders during change initiatives [16:15] A project professional's perspective on how managing changed has evolved[18:51] Helping teams through major tech changes [21:38] An agile mindset: A must-have for project leaders handling change

The gang summons a blind demon this week, as they review the New Zealand indie comedy horror, Deathgasm. Kick off our B-movie September with a movie that is arguably not even a B movie, but is loads of fun, with buckets of blood. The story behind how the movie was made is almost as fun as the movie itself, and keep your eyes peeled for the sequel set to release this year. Watch Deathgasm on your streaming service of choice then weigh in on it in the comments!Visit the YouTube channel Saturdays @ 12:30 PM Pacific to get in on the live stream, or just watch this episode rather than just listen!Channel:https://www.youtube.com/channel/UCI1lVsk1xjMSBgZK82uAzgQThis Episode:https://youtu.be/Ui0rKNBQD7whttp://www.MCFCpodcast.comhttps://www.twitch.tv/MCFCpodcasthttp://www.facebook.com/MCFCpodcasthttp://www.twitter.com/podcastMCFChttp://www.tiktok.com/middleclassfilmclasshttp://www.instagram.com/middleclassfilmclass   Email: MCFCpodcast@gmail.comMerch store - https://middle-class-film-class.creator-spring.com/    Join the Patreon:www.patreon.con/middleclassfilmclass Patrons:JavierJoel ShinnemanLinda McCalisterHeather Sachs https://twitter.com/DorkOfAllDorksChris GeigerDylanMitch Burns Robert Stewart JasonAndrew Martin Dallas Terry Jack Fitzpatrick Mackenzie MinerAngry Otter (Michael)Joseph Navarro     Pete Abeyta  and Tyler Noe

Send us a text2025 saw WRN hold our first ever Women's festival in Derby.  Organised by local WRN members in Derbyshire and Staffordshire, it attracted a large audience from across the UK.  The Festival theme was Celebrating Grassroots Activism and we welcomed speakers and guests from England, Ireland , Scotland and Wales to give presentations on their local activities and tactics.  Mary Howden is a former Head of Education and Workforce Development at the Scottish Social Services, Director of WRN, and Coordinator for WRN Scotland   She talked about the journey taken by WRN Scotland to establish a grassroots women's movement. From small beginnings with 14 women working together to get their message out,  to how they grew their membership to cover the whole of Scotland.If you enjoyed listening to this podcast and would like to hear more, go to womensrights.network/wrn-podcast to listen, download and subscribe to more of our episodes. And if you'd like to join our conversations, go to womensrights.network/join-wrn

In this sixteenth episode of 2025, we welcome new contributor Joe Kidd who is the YaraVita Project Manager to discuss the new production plant. Joe's here to give us the inside scoop on the new YaraVita Production Plant, set to open next year. The conversation starts with why the company decided to move from its longtime Pocklington site to the new location in Howden. Joe also dives into the current project timelines, the challenges they're facing, and how they're navigating it all. Joe will also take us on a journey through his career at Yara, from his start as an apprentice all the way to helping design this brand new plant. Finally, we'll get a glimpse into the future, with a look at what's in store for both the old Pocklington site and the new Howden facility as we head into 2026.

Our primary source this month comes from the 12th century English chronicler, Roger of Hoveden (Howden). This excerpt was chosen as it references a number of castles that dotted the Cypriot landscape during Richard the Lionheart's campaign. You'll hear him refer to Buffavent (Buffavento), Kantara, Dieu D'Amour (a possible corruption of the Greek name, Didymus -- now St. Hilarion) and an unknown castle in Nicosia called Cherin. Its significance is that the castles predate Richard's conquest (i.e., they are Byzantine structures) and serves as a nice segue into my interview next month with Dr. James Petre on the Castles of Cyprus!

Steve and Bobby interviewed Saints safety Jordan Howden after the team's Thursday practice session. Howden discussed his journey to New Orleans, the Saints' new defensive scheme under DC Brandon Staley, and his place in the team's offseason safety competition.

Steve and Bobby interviewed Saints safety Jordan Howden after the team's Thursday practice session. Howden discussed his journey to New Orleans, the Saints' new defensive scheme under DC Brandon Staley, and his place in the team's offseason safety competition.

Hear from Rowan Douglas CBE, CEO of Climate Risk and Resilience at Howden Group, as we explore the vital role of insurance in the climate transition. When we talk about climate resilience, insurance often flies under the radar. But it's one of the oldest and most powerful tools we have for managing risk: pooling resources, spreading losses, and crucially, sending signals about where risk is growing too great to bear. That's why in this episode, we explore the vital and evolving role of insurance in supporting climate resilience. We discuss: How insurance acts as both a safety net for businesses and communities, and a driver of risk reduction and adaptation; The concept of “insurability,” and what it reveals about our growing exposure to climate risk; and How these dynamics are playing out in the real world, through a case study of climate risks facing Europe's agricultural sector. To find out more about the Sustainability and Climate Risk (SCR®) Certificate, follow this link: https://www.garp.org/scr For more information on climate risk, visit GARP's Global Sustainability and Climate Risk Resource Center: https://www.garp.org/sustainability-climate If you have any questions, thoughts, or feedback regarding this podcast series, we would love to hear from you at: climateriskpodcast@garp.com Links from today's discussion: Ex-CEO of Allianz Investment Management Günther Thallinger - “The math breaks down” quote: https://www.linkedin.com/pulse/climate-risk-insurance-future-capitalism-g%C3%BCnther-thallinger-smw5f/ GARP Natural Catastrophe Modelling Masterclass (for SCR® Certificate Holders): https://www.garp.org/scr/catastrophe-modeling-masterclass The Insurability Imperative: Using Insurance to Navigate the Climate Transition: https://www.howdengroup.com/uk-en/insurability-climate-report-2025 Insurance and Risk Management Tools for Agriculture in the EU: https://www.howdengroupholdings.com/news/eu-agriculture-faces-28-billion-annual-average-loss-from-extreme-weather Video summary of Insurance and Risk Management Tools for Agriculture in the EU report: https://www.fi-compass.eu/videos/interviews/insurance-and-access-finance-farm-resilience-and-adaptation-eu Speaker's Bio Rowan Douglas CBE, CEO Climate Risk and Resilience, Howden Group Prior to joining Howden, Rowan held a number of senior roles at Willis Towers Watson, including as Head of their Climate and Resilience Hub, and also at Willis Re, where he was CEO of Global Analytics. Until recently, he was also Chair of the Operating Committee of the Insurance Development Forum, a role he began in 2015, which focused on driving resilience in communities, business, and public institutions through insurance. Rowan holds a Bachelor's in Geography from Durham University, and an MPhil in Geographical Sciences from the University of Bristol.

We're excited to kick off a new season of the RiskCeller podcast after a well-deserved break! In this episode, we not only catch up on personal adventures and favorite wines, but we also unveil a shift in our show's format, moving beyond insurance industry news to tackle a wider range of timely topics and in-depth interviews. This fresh approach is about delivering a perfect mix of hard-hitting news and thoughtful, expert discussions for our listeners, whether you're an insurance professional or just intrigued by the broader legal landscape.One of the major issues we explore is third-party litigation funding and its destabilizing effects on the insurance sector. We discuss how litigation financing, where outside investors fund lawsuits for a slice of the settlement, has grown rapidly in the U.S., fueling what's often called “social inflation.” This trend is creating complications for insurers by inflating the costs of claims and pushing up premiums for everyone, from homeowners to small businesses. Notably, the episode centers on our interview with Minnesota State Senator Judy Seberger, an insurance defense attorney leading efforts for more transparency and consumer protections in litigation funding. Her bill, SF-2929, aims to shine light on industry practices and guard against predatory lending in the legal system.Throughout the episode, we reflect on the ripple effects that rising litigation costs have on insurance premiums and consumer experience. We compare trends across states, dig into the ethical and economic challenges posed by third-party funding, and debate if more states should follow Minnesota's lead. Our ongoing mission is to clarify the impact of legal and insurance industry changes and share insights from credible guests. If you're seeking fresh perspectives and actionable information on insurance, legal news, and consumer protection, you won't want to miss this season.Takeaway List:The podcast is changing its format to cover broader topics beyond just insurance.Litigation financing is destabilizing the insurance sector.Howden is making significant moves in the insurance brokerage space.Third-party litigation funding is a growing concern in the legal industry.Judy Seberger is advocating for transparency in litigation funding.The SF-2929 bill aims to protect consumers from predatory practices.Insurance premiums are affected by rising litigation costs.State legislation on litigation funding is evolving, with few states having robust laws.Social inflation is fueled by third-party funding in lawsuits.Industry experts like Chubb's CEO are calling for ethical and systemic reforms.The podcast will feature more interviews with industry leaders and policymakers.Listeners can expect a mix of breaking news, analysis, and practical advice.Chapters:00:00 Welcome Back and Summer Adventures05:27 Changes in the Podcast Format06:52 Current Events and Legal News13:54 Insurance Industry Developments16:28 Deep Dive into Litigation Funding26:23 Interview with Judy Seberger56:05 Wrap-Up and Future DiscussionsConnect with RiskCellar:Website: https://www.riskcellar.com/Guest: Judy SebergerLinkedIn: Judy Seberger's LinkedIn Profilelinkedin.com/in/judy-sebergerJudy Seberger, State Senator, Minnesota Senate Official Page: senate.mn/members/member_bio.html?mem_id=1248Email: sen.judy.seberger@senate.mnBrandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Guest: Paul Morgan, Rugby World Editor and Premiership Rugby Comms DirectorRunning List: The Business of Rugby Episode1. British Lions Commercial StrategyTicket pricing controversy: Struggling to sell out Dublin match at £163 per ticketMajor commercial partnerships: Qatar Airways (title sponsor), Patron Saint whisky, Rhino, Oxford Landing, Charles Tyrwhitt, Howden, Canterbury, FanaticsDigital strategy: World Rugby/Lions collaboration on RugbyPass App for Australia tourBroadcasting: S4C secures Welsh highlights rights, Sky holds exclusive live rights2. CVC hire Marc AllegraMarc Allera (former EE CEO) appointed chairman of newly created CVC SportsCoBackground: Sega → Three → EE → Jagex chairman (also CVC-owned)27% stake in Premiership Rugby (acquired 2019)Six Nations Rugby investmentHad to bail out Newcastle Falcons amid broader club financial crisis3. Rebel Franchise seriesMike Tindall-backed R360 targeting world's top 300 playersEstimated £300-400m needed to launchAims for 2026 launch with 12 franchises, no relegationSalaries roughly double traditional club payThe Pushback:Simon Massie-Taylor (Prem CEO): "Rugby needs roots, not pop-ups" - dismisses as "distraction"Andrew Georgiou (TNT Sports): Calls it "commercially unsustainable," compares to LIV Golf4. Gallagher Prem RebrandRebranding to "Gallagher Prem" focusing on physicality ("real grit", "raw speed", "big hits")10% growth in interest overall, 30% among 18-34 year-oldsPlans for US showpiece fixtures ahead of 2031 World CupClub World Cup launch in 2028 as "step forward in global expansion"5. Red Bull Buying Newcastle FalconsTaking on £39m club debtFirst rugby union purchase for Red BullPlans to use brand/marketing expertise to attract younger fansCommitment to keep team in Newcastle, eyeing Newcastle United synergies6. Women's World Cup - Rugby's Lionesses Moment?350,000 tickets already sold, targeting 400,000 stretch goalO2 partnership giving customers priority accessBBC partnership ensuring nationwide accessibilityGoal to increase women's participation from 25% to 33% by 2029Unofficial Partner is the leading podcast for the business of sport. A mix of entertaining and thought provoking conversations with a who's who of the global industry. To join our community of listeners, sign up to the weekly UP Newsletter and follow us on Twitter and TikTok at @UnofficialPartnerWe publish two podcasts each week, on Tuesday and Friday. These are deep conversations with smart people from inside and outside sport. Our entire back catalogue of 400 sports business conversations are available free of charge here. Each pod is available by searching for ‘Unofficial Partner' on Apple, Spotify, Google, Stitcher and every podcast app. If you're interested in collaborating with Unofficial Partner to create one-off podcasts or series, you can reach us via the website.

In this episode of the All Things Sustainable podcast, we're examining the role insurance plays in helping stakeholders understand and adapt to the physical risks of climate change.   We speak to Rowan Douglas, CEO of Climate Risk & Resilience at global insurance group Howden. He explains how the insurance industry's approach to climate change has evolved over decades to better understand future risks. He says the insurance sector is front and center in conversations about climate impacts because insurance gives financial institutions and investors an economic guide for risk.  "There's a recognition that insurance is absolutely essential to allow credit and investment to flow with confidence,” he says.  Rowan also addresses the importance of breaking down barriers in climate conversations, including how climate and nature intersect and the need for collaboration between the financial community and scientists, economists and engineers.      “All of us in the world of finance have got something to offer, and we've got something to learn from each other,” he says. "We're getting to the point now where we've got to confront this growing risk.”    This interview took place on the sidelines of the S&P Global Sustainable1 Summit in London. Listen to more interviews from the event here: Why businesses are going ‘back to basics' in sustainability strategies | S&P Global  And here: How HSBC is financing infrastructure for a low-carbon economy | S&P Global  Learn more about the S&P Global Sustainable1 Summit in Singapore June 26, 2025: Sustainable1 Summit 2025 | S&P Global  Read the forecast for the 2025 hurricane season from the S&P Global Climate Center of Excellence: An Elevated 2025 Hurricane Season | S&P Global  Learn more about the Climate Center of Excellence: Climate Center of Excellence | S&P Global  Learn more about Physical Climate Risk Solutions from S&P Global  This piece was published by S&P Global Sustainable1, a part of S&P Global.   Copyright ©2025 by S&P Global            DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Join James Haskell from the 2025 Rugby Awards as he dives into the Gallagher Premiership semi-finals, featuring Bath v Bristol and Leicester v Sale Sharks. This episode also brings an update on Michael Tindall's new global franchise "R360" with GBR promising to deliver all the facts when the time is right. Special guest Ellis Genge shares his deeply ingrained animosity towards local rivals Bath, a feeling cultivated since his academy days. Plus, a blossoming bromance unfolds as Haskell chats with rising star Henry Pollock following his Lions call-up, discussing his sponsorship aspirations and house renovation plans. Hear from Leicester coach Michael Cheika on the turning point in his team's Premiership journey and the vital impact of the Welford Road crowd. Season 5 is sponsored by Continental Tyres 00:00

Podcast: ICS Cyber Talks PodcastEpisode: Michal Shlomo Head of cyber-Insurance @Howden Insurance Brokers IL on insurance role & cyber attackPub date: 2025-05-26Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationאחת המחלוקות הגדולות בין אנשי המקצוע בסייבר היא נושא ביטוח הסייבר. כן צריך, לא צריך, האם המוצר הביטוחי מצדיק את ההוצאה והאם הוא נותן פתרון אמיתי בזמן משבר. הדס תמם בן אברהם סגנית הדיקן בקריה האקדמית אונו ונחשון פינקו יועץ ואוונגליסט סייבר מארחים את מיכל שלמה ראש מחלקת ביטוחי סייבר בסוכנות הביטוח האודן, בשיחה על ביטוחי סייבר ומה האמת למול השמועות. האם ביטוח סייבר באמת יקר האם ברגע שיש אירוע סייבר, חברת הביטוח לוקחת את המושכות ומנהלת את המשבר גם אם בניגוד לדעת הלקוח האם ביטוח סייבר הוא במקום התקשרות מבעוד מועד עם חברת איי.אר ועוד One of the most significant disputes among cyber professionals concerns cyber insurance. Is it necessary? Does the insurance product justify the expense? Does it provide a real solution during a cyber crisis? Hadas Tamam Ben Avraham, Vice Dean at the Ono Academic College, and Nachshon Pincu, cyber evangelist and consultant, host Michal Shlomo, Head of the Cyber Insurance Department at Howden Insurance Brokers Israel, in a conversation about cyber insurance and the truth in the face of rumours. Is cyber insurance costly? Does the insurance company take the reins and manage the crisis as soon as a cyber event occurs, even if contrary to the customer's opinion? Is cyber insurance a substitute for a contract in advance with an IR company? And moreThe podcast and artwork embedded on this page are from Nachshon Pincu, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

In this week's episode of the Reformed Journal Podcast, the poetry edition, Rose Postma interviews William D. Howden on his poem “Wrapped and Laid.” Howden is an ordained minister of the Christian Church (Disciples of Christ). Now retired, he lives in San Antonio with his wife, Jan Davis, and their cats. He holds degrees from Milligan University (BA) and Princeton Theological Seminary (MDiv and PhD). Bill's essays, sermons and poetry have been published in various journals. He and Jan also produce a free bi-monthly newsletter, Soul Windows: Reflection (www.soulreflection.org).

Governance—it's a term we hear all the time in IT and business, but do we really understand it? In this episode of Ticket Volume – IT Podcast, Matt Beran sits down with Valence Howden, Advisory Fellow at InfoTech Research Group, to break down governance, its misconceptions, and how it can truly enable organizations instead of holding them back.Here's a sneak peek:1. What governance really means (hint: it's not just bureaucracy).2. How to spot healthy vs. unhealthy governance in your organization.3. Why governance should be an enabler, not a roadblock to change.4. The role of governance in IT teams, Change Management, and risk mitigation.5. How to fix broken governance and make it work for your business.If governance has ever felt like a frustrating set of rules instead of a strategic advantage, this conversation is for you. Tune in now to rethink how governance impacts IT, decision-making, and organizational success!Don't forget to like, subscribe, and share your thoughts in the comments! Have you experienced great (or terrible) governance in your organization? Let's discuss!#OrganizationalGovernance #ITGovernance #ITLeadership #GovernanceFramework #ChangeManagement #DigitalTransformation #TicketVolume #Podcast

Legends of the Brand welcomes Amin Momen from Momentum to discuss the 25th anniversary of the City Ski Challenge. Momentum, initially founded as Momentum Travel in 1996 as a bespoke travel agency, evolved to focus on mountain experiences and is now known as Momentum Experiences. The City Ski Challenge, started in 2000, was created to bring the London business and financial community together in the Alps for networking and skiing.The City Ski Challenge is more than just a race; it's a blend of networking, business opportunities, and entertainment. The event typically begins on Thursday and concludes on Sunday, offering a variety of activities. Over the years, the event has grown to include comedy shows, panel discussions, and music, creating a festival-like atmosphere. This year features Frank Gardner from the BBC, hosting a current affairs quiz. This year Momentum has partnered with Howden and Snow+Rock, as well as Crans Montana. Plus the event also supports charities, providing them with visibility and networking opportunities and this year, working with GB Snow Sport to raise awareness and support for their athletes.We encourage everyone participate in the City Ski Challenge, regardless of their skill level, and to enjoy the spirit of competition. The event is best described as the "best ski weekend in the Alps" and a "brilliant fun" networking opportunity.The Momentum City Ski Challenge takes place March 14th to 16th in Crane Montana 2025Find our more:https://momentumxp.co.uk/get-inspired/city-ski-championships/

Actor and writer Daisy May Cooper shot to fame with This Country, the mockumentary about rural poverty in the Cotswolds that she wrote and starred in with her brother Charlie. She followed that with the lead in BBC/HBO show Rain Dogs and in 2022 she co-wrote and starred in the twisting female-friendship thriller Am I Being Unreasonable? With the second series about to drop on BBC 1 and BBC iPlayer Daisy joins Clare McDonnell in the Woman's Hour studio. A new BBC podcast has uncovered some shocking allegations of grooming, trafficking and sexual exploitation linked to a yoga movement. The Bad Guru podcast follows Miranda who joined a yoga class in the UK which she discovered had links to the Atman Federation, an international yoga movement led by the Romanian guru Gregorian Bivalaru. After becoming part of the wider movement, Miranda says that she was groomed and sexually exploited. Clare hears from Miranda and from the podcast's presenter, investigative journalist Cat McShane. From her close relationship with her mum to her mental health struggles as a teenager, 24-year-old Fiona-Lee from Howden in Yorkshire writes earnestly about the emotional rollercoaster that is adolescence to adulthood. Her EP, ‘Nothing Compares to Nineteen,' is released on the 7th of March and she joins Clare to perform the track 'Lavender'.Presenter: Clare McDonnell Producer: Laura Northedge

Today, we welcome Fraser Searle onto the R2Kast podcast. Fraser is a fascinating mix of social media star, sandwich enthusiast, and all-around creative. Having grown a massive following online, Fraser shares his journey from his early days in content creation to becoming a full-fledged social media sensation.

How does a childhood spent on construction sites turn into a career at the forefront of digital innovation in construction? This episode of the Future Construct podcast features Jason Howden, Chief Innovation Officer at Revizto, who recounts his remarkable journey from the dusty building sites of New Zealand to revolutionizing the industry with cutting-edge technology. Jason's early exposure to construction and his father's introduction of AutoCAD Sketch 1.0 ignited a passion that transformed his career. Listen as he reveals how hobbies like remote-controlled model aircraft and a knack for problem-solving, fueled by his dyslexia, laid the foundation for his innovative approach to construction technology.Leadership and automation take center stage in our discussion with Jason, as he delves into how breaking down complex projects into manageable components has been key to his success. He introduces us to the concept of a "digital custodian" and explains how automating processes such as collision detection can streamline projects and mitigate costly errors. Jason's real-world anecdotes illustrate the tangible benefits of these methodologies, making a strong case for the progression from traditional CAD to Building Information Modeling (BIM).We also take a futuristic leap into the integration of AR and gaming technology within the construction sector. Jason's firsthand account of overcoming skepticism and adopting these innovative tools for project collaboration is inspiring. He shares an intriguing story of a foreman in Christchurch, New Zealand, who went from mocking digital tools to embracing VR for enhanced project efficiency. As we anticipate the upcoming RevUp conference, Jason teases some groundbreaking advancements in construction technology that promise to reshape the industry landscape. Join us for a riveting conversation with one of construction technology's leading voices. Contact the Future Construct Podcast Produced by BIM Designs, Inc! BIM Designs, Inc.: minority-owned, US-based, union-signatory preconstruction technology firm, offering turnkey BIM modeling, laser scanning, coordination management, and other VDC solutions to the AEC industry. Schedule a free consultation: sales@bimdesigns.net. Subscribe to our weekly blog and our Future Construct Podcast Suggest a podcast guest