Howard Pepper is the founder and managing director of Momentum Broker Solutions. Established in 2010, Momentum is a fast growing network for Appointed Representatives. With a strong track record in developing profitable businesses, Howard’s experience in the insurance industry stretches back over 30 years. As a Managing Director at Marsh & McLennan (formerly Sedgwick plc in the UK) from 1981 to 2005, he had regional responsibility for retail insurance broking in the UK. He then joined Oval Insurance Group and was appointed Managing Director of the Insurance Broking business in 2007, before founding Momentum in 2010.