Investor information

Why invest in Hiscox?

Hiscox is a diversified international insurance group with a strategy that provides opportunity throughout the insurance cycle. Our ambition is to be a respected specialist insurer valued by our customers, business partners and shareholders, with a diverse portfolio by product and geography.

Our strategy

Balanced portfolios
Hiscox comprises of four component parts - Retail digital, Retail traditional, London Market and Re & ILS. Each component faces unique opportunities and challenges, which informs the role that each will play in our future growth and success. However underpinning each component is our people, culture and brand, and a long-term investment in both underwriting and digital expertise.

A truly international business
Our products and services reach every continent, and we are one of the only insurers to offer everything from small business and home insurance to reinsurance and insurance-linked securities.

A specialist product approach
We seek to excel in our chosen markets, such as small business, flood or kidnap and ransom insurance. We invest in the right people, infrastructure and technology to give us the flexibility and nimbleness to respond quickly to changes. The common thread is our focus on niche products and services that differentiate us.

Discover more about our strategy and values

A focus on creating sustainable and compounding shareholder returns

By running a well-balanced business, underpinned by a clear set of values and characterised by a disciplined approach to underwriting, our aim is to consistently grow the business in a way that is organic, sustainable and profitable.

Over the last ten years the Hiscox Group has:

achieved average return on equity of 11.1%;
returned capital to shareholders of over $1.5 billion;
achieved a consistent S&P A rating;
grown customer numbers by 327%.

Our recent performance

A resilient business

Strong underwriting discipline, a diversified strategy and sound capital management lead to a lower risk profile for the Group.

We underwrite for profit, not for market share, and we actively manage our business mix according to the conditions in each sector.

The Hiscox Group maintains strong and stable credit ratings: ‘A’ by A.M. Best and S&P and ‘A+’ by Fitch. The Group remains strongly capitalised and is in a strong position to take advantage of future growth opportunities across our businesses.

Our ratings

Total Group insurance contract written premium

Unique culture

The quality of our people is a crucial factor in our continuing success. Their expertise, courage and dedication drive our reputation for quality and professionalism. In return, we strive to provide them with a work environment in which they can flourish. In our annual global employee engagement survey we look at how connected employees feel to Hiscox, their managers, their teams and their role. In our latest survey, 83% said they felt proud to work for Hiscox and 83% said they would recommend Hiscox as a great place to work.

Find out more about our people

Strong brand

We invest in creating a customer-focused ethos and a powerful differentiated brand that our target customers identify with.

Our brand

Specialist expertise

We are market-leaders in many of the sectors in which we operate, while our commitment to provide clients with quick responses, clear coverage and superb service is at the heart of everything we do.

In the USA, Hiscox small business customers rated us 4.7 out of five for customer service on Feefo*.
In the UK, 90% of customers were satisfied with our customer service*.
In Germany, 95% of customers said they were satisfied with our customer service*.

*all scores for 2023.

See where we are located

2023 has been a very good year for Hiscox. Our teams have seized the hard market in our big-ticket businesses and delivered growth in retail. As a result, we are pleased to be reporting record profits across the Group."