Hiscox Ltd is a Bermuda‐domiciled global specialist insurer headquartered in Bermuda and London, with roots tracing back to the founding of the Leverton & Frye agency in London in 1901 by Ralph Hiscox. Over more than a century, the firm has evolved into a leading underwriter at Lloyd’s and through its own entities, blending a heritage of marine insurance expertise with innovative solutions across a broad spectrum of specialty lines. The company’s history of underwriting complex and niche exposures has shaped its reputation for technical skill and a disciplined approach to risk selection.
At the core of Hiscox’s business is specialty insurance serving both retail and commercial clients. The company underwrites products in areas such as professional indemnity, casualty, property, marine, and financial lines, as well as coverage tailored to high‐net‐worth individuals, including fine art, home, and private client offerings. Hiscox operates its reinsurance underwriting arm to manage large or layered risk portfolios, complementing its direct insurance activities. An emphasis on underwriting expertise is supported by in‐house actuarial teams, claims specialists, and risk engineers who tailor policies to emerging risks, from cyber liability to political violence.
Geographically, Hiscox maintains a well‐diversified footprint across Europe, the United States, Bermuda, and Asia Pacific. The company serves clients through a combination of Lloyd’s Syndicate 33, branch offices, and wholly owned subsidiaries in jurisdictions including the UK, continental Europe, the US, Canada, and Singapore. Hiscox’s distribution model leverages longstanding broker relationships, digital platforms for direct business, and strategic partnerships to reach a spectrum of small business owners, professionals, corporations, and individuals seeking specialist coverage.
Guided by a seasoned executive team led by Group Chief Executive Bronek Masojada, Hiscox emphasizes underwriting discipline, capital efficiency, and prudent risk management. The company has invested in data analytics and digital initiatives to enhance customer experience and streamline operations, while maintaining a strong focus on governance, solvency, and long‐term value creation. Through market‐leading product development and global reach, Hiscox continues to adapt to evolving client needs and emerging risks in the specialty insurance landscape.
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