Andy Howard

Andy Howard is the Group Leader of Horton’s Commercial Property practice. In this role, Andy will serve as a subject matter expert on property placements and a carrier liaison.

Andy brings over 15 years of insurance experience, and his expertise extends across multiple domains within property insurance. He possesses a wealth of knowledge in Excess and Surplus (E&S) property, international property and property broking in challenging market conditions. His comprehensive understanding of these diverse areas allows him to provide tailored solutions to clients and meet their specific insurance needs.

“My experience in several different property insurance sectors has set me up to provide thoughtful insight on navigating the hardest property market in 30 years,” Andy said.

As the practice group leader, Andy’s primary goals revolve around building and strengthening Horton’s property department. He aims to establish a team that excels in all aspects of property insurance and ensures its growth and success.

“There’s always a need for property insurance – especially in this market,” Andy said. “With a significant reduction in options, terms, and conditions, the property market lacks capacity. It’s a dynamic and ever-evolving industry, so it’s important to work with professionals who keep up with current conditions.”

Apart from his extensive knowledge and expertise, Andy is widely recognized for his approachable demeanor. He is known for his ability to establish strong relationships with clients and colleagues, fostering an atmosphere of trust and open communication. Andy’s commitment to honest and transparent communication is evident in his belief that addressing potential challenges early and frequently prevents difficult conversations down the line.

Andy earned his Bachelor of Business Administration (BBA) from Western Illinois University, majoring in management. Outside the office, you can typically find this Chicago native cheering for the Chicago Cubs.