Howden US appoints Joe Clark to lead Private Risk Solutions; Dale Krupowicz named Head of Operations
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Miami, 16 October 2025 – Howden, the global insurance broker, today announces the appointments of Joe Clark as President and Dale Krupowicz as Head of Operations for its Private Risk Solutions business in the United States, reinforcing its commitment to building a modern, client-centric model for high-net-worth and ultra-high-net-worth individuals.
Clark and Krupowicz will lead the development of Howden’s U.S. private client operations -focused on proactive risk management, personalized protection strategies, and an elevated client experience.
With more than two decades of experience in personal lines, private client, and family office insurance, Clark is widely recognized for building high-performing teams and deep carrier partnerships. He joins Howden from The Liberty Company Insurance Brokers, where he served as President of Liberty Select, and previously held the role of Chief Growth Officer at Aon Private Risk Management.
Krupowicz, a Certified Advisor of Personal Insurance (CAPI), brings over 30 years of experience in high-net-worth personal insurance. Previously, she was COO and Partner at a boutique personal insurance agency, where she led operational strategy and client services for 17 years. At Howden, she will oversee operations, service excellence, and team development, ensuring a consistent, people-first experience across all client touchpoints.
Mike Parrish, CEO, Howden US comments: “Joe and Dale’s appointments mark an important step in our vision to build something new in the private client space. Together, they bring the perfect balance of strategic leadership and operational expertise needed to create a fresh, forward-thinking alternative for clients seeking more from their insurance partner.”
“The opportunity to help shape Howden’s U.S. private client business is incredibly exciting,” said Joe Clark. “We’re not just replicating what already exists—we’re reimagining how risk is managed and how relationships are built. Our goal is to combine proactive protection with a level of service and foresight that sets a new standard in the market.”
“Our strength lies in people—our advisors, our partners, and our clients,” added Dale Krupowicz. “That’s what makes Howden’s culture so powerful and why we’re poised to deliver something truly different.”