Overview of Hiscox Insurance

Hiscox is a global specialist insurance group with more than a century of operating history. The company originally developed within the Lloyd’s market and later expanded into a multinational insurance group with offices in the U.S., U.K., Europe, and other regions. The organization is known for its disciplined underwriting, focus on specialty risks, and strong financial backing.

In the United States, Hiscox has positioned itself primarily as a small-business carrier. Instead of competing for personal auto, homeowners, or large commercial accounts, the company targets micro-businesses, independent professionals, and service-oriented firms. This niche allows Hiscox to streamline its products, pricing structure, and underwriting criteria around predictable risk

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