# Hiscox

> Hiscox is a Bermuda-headquartered, London-listed specialty insurer that pairs retail cover for small businesses and high-value homes with London Market underwriting and reinsurance. Its advantage is not one blockbuster policy but a deliberately balanced portfolio: digitally distributed local risks on one side, complex and catastrophe-exposed risks on the other, supported by specialist underwriting, claims expertise and growing use of data and AI.

- **Founded:** 1901
- **Headquarters:** Pembroke, Bermuda
- **Founders:** A. E. Roberts (Founding marine underwriter)
- **Team size:** More than 3,000 employees across 13 countries and 31 offices.
- **Products:** Small-business insurance, Art and private client insurance, London Market specialty insurance, Hiscox Re, Hiscox Capital Partners
- **Notable:** Traces its roots to 1901 and marked its 125th anniversary in 2026., Grew from one Lloyd’s underwriter to more than 3,000 employees in 13 countries and 31 offices., Serves more than 600,000 small-business customers in the United States.

## Products & services

- **Small-business insurance** — Direct, partner and broker-distributed cover including general liability, professional liability, business owner’s policies and cyber insurance.
- **Art and private client insurance** — Specialist cover for high-value homes, fine art, collections and other valuable assets.
- **London Market specialty insurance** — Larger and complex risks including property, marine, energy, aviation, terrorism, crisis management, casualty and alternative risk transfer.
- **Hiscox Re** — Property and specialty reinsurance written through Bermuda and London for cedants and brokers.
- **Hiscox Capital Partners** — A platform giving institutional and insurance capital partners access to Hiscox underwriting through ILS, catastrophe bond funds, sidecars and quota shares.
- **Cargo API** — Broker-facing quote-and-bind technology for small cargo and stock-throughput risks, with limits up to $5 million.
- **Cyber risk services** — Cyber insurance paired in some markets with vulnerability scanning, breach prevention, incident response and partner-delivered IT support.

## Achievements

- Traces its roots to 1901 and marked its 125th anniversary in 2026.
- Grew from one Lloyd’s underwriter to more than 3,000 employees in 13 countries and 31 offices.
- Serves more than 600,000 small-business customers in the United States.
- Reported $3.238 billion of insurance contract written premium in H1 2026, up 10.1% year over year.
- Improved its undiscounted combined ratio to 90.4% in H1 2026 from 92.6% a year earlier.
- Built the first specialist fine-art account at Syndicate 33 in 1967.
- Launched a broker API in 2025 that can quote and bind eligible small cargo risks nearly instantly.

## Latest updates

- **2026-08** — H1 insurance contract written premium rose 10.1% to $3.238 billion; Hiscox raised full-year Retail growth guidance to 9%.
- **2026-07** — Hiscox marked 125 years and appointed Aparna Sarin as Group Chief Marketing and Revenue Officer.
- **2026-05** — Q1 premium grew across Retail, London Market and Re; the group detailed wider use of AI in US service and claims workflows.
- **2026-02** — Hiscox Re & ILS became Hiscox Re and launched Hiscox Capital Partners; the group also launched its first technology graduate programme.
- **2025-08** — Hiscox agreed to acquire Corix Insurance Services and Vouch Insurance Company to expand US startup, life-sciences and professional-services coverage.
- **2025-06** — The company launched its Cargo API and began using Bellwether’s AI wildfire model in California underwriting.

## Links

- Website: https://www.hiscoxgroup.com
- LinkedIn: https://www.linkedin.com/company/hiscox
- Twitter/X: https://twitter.com/HiscoxSmallBiz
- Instagram: https://www.instagram.com/hiscox_usa/
- Facebook: https://facebook.com/HiscoxSmallBiz/

---

Profile page: https://yespress.io/hiscox
Published by YesPress — https://yespress.io
Last updated: 2026-08-13