Tom Hoad

Tom Hoad leads Howden Ventures, where he sets strategy helps drive innovation across the Howden Group. With more than 20 years’ experience in insurance and risk management, Tom began at Miller, advising multinational banks on project finance risk. He then spent 12 years at Tokio Marine Kiln, developing pioneering products in cyber, supply chain, and intellectual property. As Head of Innovation, he led strategic investments and supported product development for companies including Ceto, Altelium, Parametrix, Loadsure, Stable, Floodflash, Kettle, Flock, Parysl, and Nirvana.

In 2019, Tom founded and chaired the Lloyd’s Product Innovation Facility (now Lloyd’s Launchpad), bringing together 27 syndicates and more than £150m of new product capacity. He also helped establish Lloyd’s Accelerator and Future Minds programmes.

Tom holds an MSc in Insurance and Risk Management from Bayes Business School (with Distinction) and received the 2010 SCOR UK Actuarial Award for his dissertation on “Insurance Contract Credit Default Swaps”.