Brokers, Branches & Big Deals: Inside the Industry with Howden’s UK CEO

In this episode of MGAA Conversations, host Mike Keating, CEO of the MGAA, is joined by Kelly Ogley, CEO of Howden Consumer and Local Commercial, to explore the current state and future of broker distribution in the personal lines insurance market.

This candid discussion sheds light on branch network trends, the role of scale and specialism, MGA-broker partnerships, regulation, and the importance of diversity and inclusion in the industry.

• Adapting to ongoing market shifts
• Innovating to meet customer needs
• Empowering the next generation of women in insurance

• “We can’t rest on our laurels—we’ve got to be looking for the next innovation.”
• “Scale matters, but it’s not everything. Brokers with a real USP and client focus can thrive.”
• “Clients want choice. Not everyone wants a fully digital experience.”
• “It’s okay to be yourself but be your best self with practice. Be authentic and build your network.”
• “We’ve got more to do on gender diversity, but the progress and conversations we’re having today wouldn’t have happened when I started.”

Resources
Howden Group

About the Guest 
Kelly Ogley is the Chief Executive Officer of Howden Consumer and Local Commercial. She leads a wide-ranging portfolio that includes Howden’s personal lines, private client services, and its commercial business via a 117-branch network across the UK. With nearly four decades of experience in insurance, Kelly has held leadership roles across M&A, operations, and strategic transformation. A passionate advocate for diversity and inclusion, Kelly actively mentors young talent and supports initiatives to increase female representation in the industry.