About Hiscox

A specialist insurer with over 100 years experience

Hiscox is a leading specialist insurer, headquartered in Bermuda, with roots dating back to 1901. We are not a traditional insurer. We target specific types of insurance in which we develop expertise, often focusing on areas other insurers find too complex to insure. By challenging convention in each specific market we offer market leading products and services to US businesses.

Hiscox in the US

As a specialist insurer we are committed to meeting the needs of US businesses. We operate in all US states and the District of Columbia, and offer a range of specialty insurance products through US based brokers. Learn more about our insurance products sold through brokers.

We also sell a range of customized insurance direct to professional businesses with less than 10 employees. Learn more about our small business insurance direct products.

Financially strong

Our companies in the US include Hiscox Inc. and Hiscox Insurance Company Inc. Hiscox Insurance Company Inc. is a Chicago, IL domiciled insurer admitted or licensed to do business in all 50 states and the District of Columbia. Hiscox Insurance Company Inc. is rated A (Excellent)¹ by A.M. Best with a group financial size category (FSC) of XI, proving we have strong capital reserves.

Hiscox Inc., a DE corporation, that does business in California as Hiscox Insurance Agency, is an approved Lloyd’s coverholder and underwrites surplus lines business on behalf of Lloyd’s Syndicates 33 and 3624. Syndicate 33 is rated A (Excellent)² by A.M. Best and Syndicate 3624 benefits form the overall group rating of Lloyd’s which is A (Excellent)³ . Lloyd's syndicates are restricted in doing business in the USA and its territories as they are not US-based insurers. The business we write on behalf of Lloyd's Syndicates 33 and 3624 in the US is placed through US insurance brokers.

For more information visit the Hiscox investor site (link opens in a new window)

A global presence

We have a strong international presence, with offices in 11 countries. We also write a range of insurance through the Lloyd’s of London insurance market. Through Lloyd’s of London we have been insuring US businesses for over 40 years.

How we’re different

Our people, underwriting expertise and our relentless commitment to exceptional customer service make us different.

No two businesses are exactly the same and we are committed to offering flexible and intelligent underwriting solutions, with coverage tailored to a business’s needs. We also don’t shy away from complex risks.

Our values

These are the fundamental principles we believe in and they are qualities for which we are known. At the heart of this is a desire to challenge convention in our industry to deliver better products and service to our customers.

Courage – dare to be different
Quality – good enough is not enough
Integrity – true to our word
Excellence in execution – see it through, thoroughly
Respect – ruthless in decision, considerate in execution

For more information about our insurance products see:

• Insurance products through brokers
• Insurance products for small business owners (underwritten online and through our call center by Hiscox Insurance Company Inc.).  Not located in the US? Learn more about our small business insurance products in the UK.

As of December 31, 2012, HICI had admitted assets of $97,085,393 and policyholders surplus of $52,281,718. Total liabilities were $44,803,675 (inclusive of $11,224,176 in reserves) and paid up capital stock was $4,200,000.

1 A.M. Best rating as of December 13, 2012
2 A.M. Best rating as of December 13, 2012
3 A.M. Best rating as of July 26, 2012