Richard began his career in the City, broking property insurance at Sedgwick’s before becoming a political risk broker at Hogg Robinson. He moved to Hiscox in 1986 to underwrite the same class, before going on to underwrite a variety of products including property, energy, reinsurance, professional indemnity, specie and cargo. In 2005, he was appointed Managing Director of Hiscox Global Markets, the largest division of Hiscox by premium income, and was the Underwriter of Syndicate 33 for 2006 to 2009. Richard relocated to New York in early 2009, serving as Chief Executive Officer, Hiscox USA, for three years. Richard returned to London in 2012 to become Chief Underwriting Officer for the Hiscox Group and a member of the Group Executive Committee.